ThreatMetrix Digital Identity Intelligence Augments CRIFBÜRGEL’s Identity Verification and Credit Check Solutions to Accurately Differentiate Fraudsters from Trusted Customers in Real Time


CRIFBÜRGEL is one of the leading providers of credit information concerning businesses and private individuals and also provides solutions in address and credit risk management. Thanks to ultra-modern system platforms, CRIFBÜRGEL specializes in tailored solutions for credit assessment, fraud prevention and address management. The company has exceptional industry expertise in e-commerce, payment services, telecommunication and receivables management in particular.

ThreatMetrix puts us at the cutting edge of online identity verification and credit checks, giving our customers the assurance they need to genuinely know who they are doing business with. This is supported by the size and scale of the ThreatMetrix global Network.

Kai Wanka, Head of Fraud Solutions, CRIFBÜRGEL

CRIFBÜRGEL’s mission is to support businesses to perform better and to make lending more efficient and effective with the most accurate credit information. This approach relies on integrating the best possible data, both static and dynamic, so that businesses can make more informed risk decisions.

The ThreatMetrix Digital Identity Network collects and processes global shared intelligence from millions of daily consumer interactions including logins, payments and new account applications. Using this information, ThreatMetrix creates a unique digital identity for each user by analyzing the myriad of connections between devices, locations and anonymized personal information. This intelligence helps power CRIFBÜRGEL’s identity verification and credit check solutions, providing dynamic, real-time intelligence to support market-leading risk assessments.

Stolen Identity Data Risks Destabilizing Credit Risk Assessments

Global data breaches are a near-ubiquitous part of weekly news, as fraudsters succeed in infiltrating business systems to steal sensitive user credentials. The stolen identity trade is a strong, and well financed sub-industry operating on the dark web. Cybercriminals can trade identity data to build near-perfect simulacrums of user identities that are used to perpetrate fraud, whether impersonating a trusted user to gain access to an account, making fraudulent payments, or tricking businesses into setting up new accounts, loan agreements or insurance policies for nefarious means.

The challenge for digital businesses is that these identity-based frauds can be extremely hard to detect; a cybercriminal can appear wholly legitimate when using a stolen identity that may well pass many static identity verification checks.

Successful detection relies on being able to look beyond isolated pieces of information to harness dynamic digital identity intelligence that holds the key to how a genuine user transacts, across devices, locations and behaviors. Combined with identity verification checks this provides an extremely powerful way of distinguishing trusted users from potential threats.

The integration of ThreatMetrix digital identity data into our existing credit risk and identity decision platform brings a strong added value for our customers.

Kai Wanka, Head of Fraud Solutions, CRIFBÜRGEL

Harnessing Digital Identity Intelligence to More Accurately Detect Stolen Identity Data

ThreatMetrix gives businesses the ability to differentiate trusted customers from potential fraudsters by collating Digital Identity Intelligence from the complex digital DNA of online transactions; whether logins, payment transactions or new account applications. This helps to bridge the gap between static and dynamic identity intelligence and enriches CRIFBÜRGEL’s identity verification and credit check solutions.

ThreatMetrix ID is the technology that brings this Digital Identity Intelligence to life; helping businesses elevate fraud and authentication decisions from a device to a user level as well as unite offline behavior with online intelligence.

ThreatMetrix ID helps businesses go beyond just device identification by connecting the dots between the myriad pieces of information a user creates as they transact online and looking at the relationships between these pieces of information at a global level and across channels/touchpoints. ThreatMetrix ID comprises a unique digital identifier, a confidence score and a visualization graph for each connecting user, which together act as a benchmark for the trustworthiness of current and future transactions.

Validating customer identities has become a three-dimensional challenge. CRIFBÜRGEL can’t just rely on static identity data: fraudsters can now steal or buy this same data. ThreatMetrix leads the field with the dynamic nature of its intelligence. It gives us the real-time edge we need to provide more accurate risk assessments

Kai Wanka, Head of Fraud Solutions, CRIFBÜRGEL

Key Features of the ThreatMetrix Solution Leveraged by CRIFBÜRGEL

  • ThreatMetrix Smart ID identifies returning users that wipe cookies, use private browsing, and change other parameters to bypass device fingerprinting. This improves returning user detection and reduces false positives. Derived from the analysis of many browsers, plug-in, and TCP/IP connection attributes, Smart ID generates a confidence score that detects multiple fraudulent account registrations or log in attempts.
  • Deep connection analysis technologies give businesses a clearer view of suspicious events. Fraudsters often attempt to hide behind location and identity cloaking services such as hidden proxies, VPNs and the TOR browser. With Proxy piercing technology, ThreatMetrix examines TCP/IP packet header information to expose both the Proxy IP address and True IP address. These techniques help businesses gain detailed network level signals for more accurate decision making.
  • Threat Detection: Actionable threat detection for Malware, Remote Access Trojans (RATs), automated bot attacks, session hijacking and phished accounts, combined with global threat information such as known fraudsters and botnet participation.

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