Leverage Deep Insight into Consumer Identity Behavior
We deliver an accurate, detailed, complete picture of consumers' behavior, through the combined capabilities of:
- ID Network: Capture the ‘human element' at the heart of decision-making
- Personal Topology: Make stronger credit and risk decisions
- Advanced Analytics: Generate immediate and actionable insight
ID Network: Capture the ‘human element' at the heart of decision-making
ID Analytics utilizes its proprietary ID Network® – the nation's only real time, cross-industry compilation of identity information – to glean insight into consumer identity behavior. This insight reveals anomalous and potentially fraudulent activity and has proven highly predictive in separating creditworthy consumers from those that are higher risk.
The ID Network captures consumers' unique identity elements - name, address, date of birth, telephone number, email address, IP address, etc. - and organizes the information in a way that enables highly granular and insightful analysis. Analyzing these elements collected from our top tier customers - leading financial services, retail, telecommunications, auto, and mortgage organizations - allows us to deliver real time reliable, high-resolution visibility into how an identity behaves across industries over time.
Personal Topology: Make stronger credit and risk decisions
Personal Topology™ is the second component of ID Analytics' powerful approach. It is an abstract representation of the complete ID Network view of each individual's particular identity characteristics, on their own and in combination with identity data from a broad cross-section of industries, including their connection to other individuals and their unique identity characteristics. From an individual's Personal Topology, one can determine how, when and where that consumer's identity appears.
Advanced Analytics: Generate immediate and actionable insight
As individuals use their identity elements to apply for goods and services – credit, loans, wireless phones, mortgages, etc. – certain patterns emerge. ID Analytics applies Advanced AnalyticsSM to understand these complex information relationships and delivers a unique perspective on consumer risk.
By applying Advanced Analytics to data within the ID Network, ID Analytics can quantitatively evaluate millions of desirable and suspicious behaviors and relationships in real time to understand identity risk. These analytics generate immediate and actionable insight including the authenticity of an identity, an applicant's creditworthiness, or a consumer's exposure to identity theft.