Translating Data to Insight

The ID Network® provides ID Analytics with a unique and incredibly broad set of data on how identities are used and consumers behave in the U.S. marketplace. But to manage risk, enterprises need insights, not data. For our fraud solutions, ID Analytics relies on Personal Topology to help convert raw data to knowledge, and knowledge to insight.

Every Element Has Its Own History

Personal Topology breaks down every identity seen in an event, like a new account application, into its individual elements – SSN, Name, Address, Phone, DOB, Email and IP Address. By looking at the relationships and history of each identity element, Personal Topology begins to form a complex map of the overall identity’s risk.

This technology allows us to answer questions like:

  • How many SSNs have been associated with the phone on this application?
  • How often do I typically see that phone used on new account applications?
  • Has this phone ever been used on a fraudulent application?

But that’s not all. Personal Topology also explores “second order linkages” – examining the history and relationships of elements which have a relationship with the identity elements asserted in the event. For example:

  • If the phone on this application has been previously associated with 4 other SSNs, what is the history and relationships of those SSNs?


Identifying Sophisticated Fraud Requires Complex Technology

As you can imagine, the maps of connections created by Personal Topology get complicated fast, but as it turns out, that complexity is essential. Today’s fraudsters are equipped with better identity information, technology and knowledge of existing defenses than ever before. Fraud rings – collaborative networks of identity criminals – utilize a large number of addresses, phones and victims to hide their activity in a manner which is increasingly difficult to detect.

By mapping the relationships between the billions of identity elements in the ID Network, Personal Topology rapidly translates a vast amount of data into concise insights tuned to the sophisticated techniques of modern fraudsters. And this technology is proven – every day hundreds of the largest U.S. lenders and service providers rely on these insights to drive strategies which improve fraud detection while reducing friction for legitimate consumers.