Omnichannel Authentication
Defend against telephone-based attacks with seamless protection across call center and digital channels
Customer account credentials are being compromised at an alarming rate, putting both your customers and business at risk. Account takeover (ATO) fraud has skyrocketed 141% over the past five years. Fragmented point solutions managed by different teams for each channel can create dangerous blind spots — increasing the probability of false positives, costly manual reviews and longer call times. The challenge is to increase protection without adding unnecessary friction for customers.
TruValidate™ Omnichannel Authentication solutions provide smooth and secure experiences across call center and digital channels. With authentication risk signals based on connected identity, device reputation, phone network data, behavioral signals and account linkages, you gain a unified view of identity. Using continuous risk assessments, customers are authenticated with the appropriate amount of friction to better ensure protection and trust — avoiding undue frustration from unnecessary step-up challenges.
How improving digital risk decisions benefits your organization
Reimagine your approach to reducing account takeover fraud and identity theft.
Solutions for customer authentication
- Inbound Authentication
- Step-Up Authentication
- Phone Takeover Risk
Improve call center operations, security and caller trust. TruValidate Inbound Authentication is the industry’s only fully automated pre-answer caller identification and risk assessment solution.
Combining the power of fraud detection with caller identification, Inbound Authentication quickly routs high-risk callers for escalated fraud reviews before they reach the IVR or agent. At the same time, trusted callers enjoy reduced friction for improved efficiency and better call experiences. Inbound Authentication offers:
- The ability to identify unknown inbound callers via a database containing over 500 million phone numbers, corroborated up to every 15 minutes
- Pre- or post-answer risk assessments with insights into billions of prior live-call inspections and data available only to licensed carriers
- Pre-answer forensic network caller authentication — with carrier-only access into the telephone network — to help ensure caller phones haven’t been spoofed, hacked or manipulated
- Aggregated trust scores (based on call signals) to identify high-risk callers
Deliver targeted step-up challenges to enhance fraud protection for your organization and customers. TruValidate Step-Up Authentication helps mitigate risk and secure trust across channels with dynamic, friction-right identity verification — including one-time passcodes (OTPs).
Improve authentication across the consumer lifecycle, covering account creation, account login and transactions. Step-Up Authentication helps protect your customers, maintain know your customer (KYC) compliance and minimize application fraud by triggering step-up measures for verification sessions with high-risk factors. The solution lets you:
- Confirm consumer-provided phone numbers by leveraging robust consumer data to verify associations prior to issuing OTPs
- Detect risk before sending OTPs through unique, global phone datasets, corroborated with authoritative ownership linkages
- Customize out-of-wallet exam questions derived from diverse data sources based on transaction risk and organizational needs
Help ensure OTPs are delivered to your consumers, not fraudsters. TruValidate Phone Takeover Risk provides real-time intelligence to help detect if an OTP is at risk of being intercepted by a fraudster before it’s sent.
Protect OTP authentication across the consumer lifecycle during account creation, account login and transactions. Leveraging authoritative phone data from direct carrier relationships, Phone Takeover Risk helps reduce risks and promotes a higher degree of trust in phone ownership when using OTPs by leveraging:
- Detection of SIM swap, carrier changes or number reassignments using data from major mobile carriers
- 10+ billion continuously corroborated, monthly proprietary phone signals — powering over 90% of US caller IDs
- Robust consumer data from the credit bureau ecosystem for higher match rates of consumer-provided information to verify identities
- Global datasets from non-US locations
Protect your business with Omnichannel Authentication solutions from TransUnion
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