Login Authentication
Secure Logins and Protect Customer Accounts Against Online Fraud with Risk-Based Authentication
Organizations across industries - from financial institutions to e-commerce to brokerages - are looking for ways to secure login transactions, preventing unauthorized access to sensitive data and personal information that can be used to commit fraud and identity theft. While the driving factors to implement protection beyond usernames and passwords can range from industry regulations such as the FFIEC guidance in the financial service industry to loss of consumer confidence and trust, there is an undisputed need to provide transparent, easy-to-deploy protection for all customer segments.
Real-Time Account Protection
Fraud Analyst protects customer accounts by providing fraud detection and authentication for high-risk login transactions. The system utilizes a number of factors that are designed to minimize false positives and present further authentication based on the risk level of the transaction and the risk associated with each customer segment:
- Behavior Profiles - patent-pending user profiles that capture normal account access patterns to provide user authentication for login transactions. Sample profile data includes information from our patented IP Intelligence and geolocation data such as country, city and state location information and detailed network forensics.
- Calculated Risk Factors - patent-pending intelligent risk analysis factors such as Velocity Violations that combine powerful rule sets to identify fraudulent access patterns.
- Smart Device ID - this optional layer of protection adds power to standard client device identifiers because it ties information from a user's behavior profile directly to the machine identifiers, providing the industry's only non-spoofable device identification. Organizations can deploy either as a cookie or flash shared object.
User Authentication
When a login is deemed suspect because a behavior deviates from the normal way in which a user accesses his or her account, Fraud Analyst provides a number of options to authenticate users based on the risk level of the transaction and the risk associated with a given customer segment including a built-in challenge response system; out-of-band authentication; e-mail notifications and tokens.
This seamless and cost-effective solution simplifies the multi-factor authentication process by eliminating the need for customer interaction and by relying on transparent factors to automate the authentication process. Furthermore, the extensible nature of Fraud Analyst offers financial institutions a way to both meet the security demands of today and to adapt to the ever-changing face of online fraud.
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