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Identity Link API

IdentityMind’s Identity Link API is a service that analyzes and evaluates the associations within large quantities of transaction data to help you better predict risk. The Identity Link API is built on IdentityMind’s patented eDNA™ engine. It leverages trusted digital identities to provide real time access to:

  • Fraud prevention: account origination, account takeover, payment fraud prevention
  • Identity reputation: leverage IdentityMind’s digital identity reputation network
  • Risk score: machine learning score based off complexity of the entity graph

Benefits

Reduce Fraud

IdentityMind’s 50+ attribute identity building capabilities enable you to make higher confidence risk assessments.

Machine Learning

Continual improvements and more targeted risk assessment as system learns from your data

Quick Deployment

Save time and money through plug and play entity link analysis and machine learning solution

Key Features

Fraud Prevention

Account origination, account takeover, payment fraud prevention

Identity Reputation

Leverage IDM digital identity reputation network

Risk Score

Machine learning score based off complexity of the entity graph

API

Real time based to retrieve risk score, graph stats, reputation, and actual graph




Leverage IdentityMind’s Trusted Digital Identities reputation values to expedite trusted users and detect suspicious users before they transact.

Detect when users may be related to terrorism, human trafficking, drug cartels, through their network of affiliations.

Good Users transact without fraud 99.4% of the time.

Suspicious Users are rejected 80% of the time

Bad Users are rejected 94% of the time




Applying machine learning to the Identity Graph ensures good users aren’t flagged, reducing manual reviews by 30%



Evaluate the graph against the relationship to nefarious organizations through social networks, dark web, and private databases.


Detect hidden connections in groups of customers and aggregate individual’s activities even when using multiple accounts.
  • Multiple accounts: Customer with more than one account
  • Log-ins: Customer logging into more than one account, or multiple people login into one account
  • Layering: Customer layering funds through multiple accounts


Trusted Digital Identities

Identity is critical to reducing risk and ensuring compliance in today’s digital financial services. Trusted digital identities help you Identify who is on the other end of the transaction and help you decide whether you should do business with them.

"2017 will be the year of digital identities...there is no identity without trust and vice versa. Further identity and trust impact and influence payment methods and enable or disable currencies. I view digital identities as the corner stone of the future of financial services industry."

Pascal Bouvier

Physical Identities

  • Name
  • Address
  • Device
Basic identity information that is based on physical documents.

Information is limited, static, siloed and, in some cases, easy for a fraudster to acquire.

Digital Identities

  • Name
  • Address
  • Payments
  • DOB
  • SSN
  • Email
  • IP Geo-location
  • Device
  • Ship to Address
  • Payment Behavior
  • Black/White Lists
  • Sanction Lists
  • Document Verification
  • Social Media
  • Carrier/Mobile Data
  • Bill to Address
  • Account Validation
More detailed information that includes digital information such as email, IP address, mobile phone. It may also include verification of provided such as account information.

Information is interconnected and reflects a wide variety of information on top of physical documents.

Trusted Digital Identities

  • Name
  • Address
  • Payments
  • DOB
  • SSN
  • Email
  • IP Geo-location
  • Device
  • Ship to Address
  • Payment Behavior
  • Black/White Lists
  • Sanction Lists
  • Document Verification
  • Social Media
  • Carrier/Mobile Data
  • Bill to Address
  • Account Validation
  • Graph Intelligence
Trusted digital identities are digital identities that are analyzed to verify identity, to identify the most recent information and known associates, and to ultimately risk score the identity. The result is an evaluation based on the most recent picture of the entity in question.


Use this slider to see the advantages granted by our patented Trust Digital Identities.

Results

Reduce Transactional Fraud by

65%

Reduce Manual Review of Transactions by

85%

Reduce Manual Review Time by

65%

Reduce Onboarding Fraud by

90%



Where to Start


Teach the System

Upload three months of transaction history with final designations (good, reject due to fraud, chargebacks), and the system will analyze them to identify which parameters and attributes are associated with which type of transactions.

Upload Black Lists

Upload your current black lists to automatically reject those users.

Fill ROI Calculator

Calculate the ROI that you’ll receive by using the Entity Link API

Receive Score Report

Report on each transaction.

Receive Configuration Report

Detailed information on how to set up the system to optimize it for your use case.

Try it for a Month

Use the EntityLink API for 30 days. Get API access to Risk Score, Graph Stats, Entity Reputation, and Actual Graph.

Further Reading

White Paper: Digital Identity Evaluation Guide

This guide, based on important takeaways provided by the expert panelists of a KYC webinar we hosted, will provide a high level analysis of the things you need to pay attention to meet regulatory guidelines when performing Know Your Customer analysis on new and current customers, the approach you should follow on your relationships with regulatory agencies and industry peers, and how to stay out of trouble and avoid fines.

Get the Guide

Respect for Consumer Privacy as a Practice

Respect for Consumer Privacy as a Practice

Introduction Between Facebook / Cambridge Analytica and the GDPR enforcement milestone, data privacy has been a hot topic in recent months. Whereas much of the debate historically has been about data protection (e.g. hackers looking to steal your data), now the debate...

read more
To find out more about our solutions, simply fill in the form or call us at 650.618.9977.