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Authentication Services provides the information you need to instantly verify customer identity and prevent fraud while conducting secure transactions online and at call centers.
Reduce fraud losses from identity theftInstant access to critical data helps you verify identity and prevent potential fraud.
Streamline processing for increased profits Automated, consistent and objective decisions enable faster approvals, minimize referral queues and maximize usage of staff time.
Provide a secure environment to increase customer confidence and satisfaction Utilize one of three levels based on your business objectives. All levels can be seamlessly integrated into your Web site, call center or point-of-sale environments.
Adhere to new FFIEC guidelinesReliably authenticate customers when they’re accessing your Internet-based services. Financial institutions are encouraged to adopt two-factor authentication methods which can include “out-of-wallet” authentication. The Federal Financial Institutions Examination Council (FFIEC) recommends two-factor authentication as the security mechanism to access customer information or the movement of funds to other parties.
Three levels of authentication
Can be used independently or togetherChoose level according to your business objectives for each transaction.
Level OneValidates customer information against reliable databases.
Level TwoAuthentication indicators and score designed to predict likelihood data was provided by actual consumer.
Level Three - Experian’s knowledge-based authentication capabilityThe most efficient and user-friendly tool available today for multi-factor authentication is a knowledge-based authentication solution. An interactive session uses customized questions and answers designed to be answerable only by the true consumer. The user's identity is established without delay, enabling consumers and businesses to immediately and securely conduct business.
Comprehensive data sources used to verify customer identity
Verification dataPowerful database on more than 200 million consumers and 25 million businesses to verify information.
Credit dataExperian's File OneSM credit database on more than 200 million consumers.
Supplementary dataVehicle and property information used in Level Three.
Level Three question typesSelect hierarchy of questions used to authenticate customers.
Use limitsRestrict access after a predetermined number of authentication attempts.
Authentication decision criteriaSpecify thresholds of acceptance based on your risk tolerance.
For more information on Authentication Services, contact us at 1 888 414 1120.
For more information, please contact us at 1 888 414 1120