Key Benefits

  • Bespoke authentication solutions to passively recognize new and returning users with no associated friction
  • Protect trusted users from fraudulent account takeover
  • Prevent fraudsters registering new accounts with stolen or spoofed identity credentials
  • Accurately detect fraudulent payments and use of stolen credit cards
  • Advanced threat intelligence to accurately detect automated bot attacks and known fraud networks

It Takes a Network to Fight Global, Organized Cybercrime

Cybercrime is evolving from isolated attacks by loan wolves to organized, networked fraud attacks by large criminal organizations. With the relentless onslaught of data breaches, stolen data is so easily available in the wild that static identity assessments are near useless. Fraudsters can piece together convincing and near-perfect identities using a patchwork quilt of stolen user credentials. These stolen identities can be virtually impossible to distinguish from genuine users, making it harder than ever for businesses to mitigate against fraud attacks.

The best way to tackle complex, global cybercrime is using the power of a global shared network. 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 connections between devices, locations and anonymized personal information.

Behavior that deviates from this trusted digital identity can be accurately identified in real time, alerting businesses to potential fraud. Suspicious behavior can be detected and flagged for manual review or rejection before a transaction is processed.

The Network comprises two key components: Digital Identity Intelligence and a Dynamic Decision Platform:

1. The Power of Digital Identities: Harnessing Digital Identity Intelligence

ThreatMetrix is unique in its ability to dynamically combine the four key pillars that define digital identity across all device platforms. These form the key elements of the Digital Identity Intelligence component. These can be summarized as:

  • Device: Device identification, device health and application integrity.
  • Location: Detection of location cloaking or spoofing, (proxies, VPNs and the TOR browser).
  • Identity: Incorporating anonymized, non-regulated personal information such as user name, email address and more. Defining a pattern of trusted user behavior by combining identity and transactional metadata with device identifiers, connection and location characteristics.
  • Threat: Harnessing point-in-time detection of malware, Remote Access Trojans (RATs), automated bot attacks, session hijacking and phished accounts, then combining with global threat information such as known fraudsters and botnet participation.

2. Operationalizing Digital Identity Assessments Using a Dynamic Decision Platform

The ThreatMetrix Dynamic Decision Platform enables businesses to leverage shared intelligence from The Network to make real-time digital decisions. This is facilitated via the following key functions:

  • Integration and Orchestration: Uniting ThreatMetrix intelligence with back-end services and prepackaged/customized third-party services.
  • Real-time analytics: Leveraging business rules, behavior analytics and machine learning capabilities to identify complex fraud patterns with high accuracy.
  • Decision management: Enabling continuous optimization of authentication and fraud decisions with visualization, data correlation and exception handling.
Personalizing the ThreatMetrix Solution to Your Business

ThreatMetrix offers a powerful yet easily customizable Policy Engine that allows businesses to incorporate their own processes and tolerance for risk. This allows organizations to fine tune and automate responses to online transactions. Every digital business faces different exposure to fraud risk; with ThreatMetrix organizations can tailor the solution to meet these varying and evolving fraud and security needs.

The ThreatMetrix Advantage

ThreatMetrix offers a powerful yet easily customizable Policy Engine that allows businesses to incorporate their own processes and tolerance for risk. This allows organizations to fine tune and automate responses to online transactions. Every digital business faces different exposure to fraud risk; with ThreatMetrix organizations can tailor the solution to meet these varying and evolving fraud and security needs.

  • Rapid, lightweight deployment: The ThreatMetrix solution is cloud-based, providing simple and straightforward integration with existing systems.
  • Up-to-date global insight: The ThreatMetrix Digital Identity Network gives clear visibility of current threat intelligence to give organizations a holistic view of emerging threats.
  • Real-time responsiveness: ThreatMetrix delivers real-time insight; businesses can identify high-risk and fraudulent transactions before they compromise user accounts.
  • Integration with third party services: Organizations can verify high risk transactions with integrated third-party services such as identity verification, providing an extra level of assurance.
  • Detailed analysis and reporting: ThreatMetrix provides reporting for retrospective-based and proactive forensic data analysis as well as a graphical interface for examining and investigating data trends.

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