KYC

Phone, Address, and Email Verification

Under utilizes Ekata, owned by Mastercard, to verify phone numbers and personal addresses. Under utilizes Idology to verify email addresses as well as providing a cross-references for phone and address verification. 

Phone Responses

• Carrier Informationsome text
  • Identify the company that provides voice or data services for a given phone number.
• Phone Validity Checksome text
  • Phone numbers are determined to be real or not real, with a valid area code.

• Country Detailssome text
  • Access the country calling code, country code, and country name associated with the phone number.
• Prepaid Account Checksome text
  • Indicate whether the phone number is associated with a prepaid account.
• Velocitysome text
  • How often a number has been observed in Ekata’s Identity Network—a network consisting of over 200 million monthly, anonymized real-world queries—over the past 90 days.
• Popularitysome text
  • How many merchants have transacted with this phone number in the past 90 days.

Address Responses

• Network Signalssome text
  • Five signals derived from the Ekata Identity Network that provide insight into how a provided address is being used online (e.g. how often it is used, the number of businesses it has been used at, how often it has been used with other identity elements, and the first and last time the address was used.)
• Geocoordinatessome text
  • Latitude and longitude data points for calculating distances from other reference points.
• Normalized Addressessome text
  • Consistently formatted addresses for your models and rules-based systems.
• Unique Identifiersome text
  • Unique identifier (UUID) that can be used to perform velocity calculations.

Global email verification

• Analyze multiple email attributes, including domain, syntax, age of the account and originating country, for deeper insights into a user.

Credit Risk Assessment and Management

Under utilizes ID Analytics, owned by Lexisnexis, to assess credit risk. 

ID Analytics ID Score

Range: 0 - 1000

• 0 - 500: green, low fraud risk
• 500 - 700: light to bright yellow, not worth decisioning on - a signal but not enough in and of itself, low-medium fraud risk
• 700 - 850: orange, highly questionable - medium-high fraud risk
• 850 and above: red, high fraud risk
• 950 and above: bright red, very high fraud risk

Returned Reason Codes

The Returned Reason Codes table displays the reason codes returned whether or not they were used in decisioning. Here is a link to a list of reason codes. 

Hardware and Device Data Verification

Under utilizes Iovation, owned by Transunion, for device verification. Iovation identifies trustworthy customers through a combination of advanced device identification, shared device reputation, device-based authentication, and real-time risk evaluation.

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