Incognia location-based fraud solutions help financial institutions and retailers prevent new account fraud and account takeover. Using network signals and on-device sensor data our precise location technology creates unique behavioral patterns to identify and authenticate users. Our solution requires no PII and works in the background to deliver a secure and frictionless experience.
Identify new users by confirming that they actually live at the address provided during onboarding. Incognia matches the provided address with the unique location fingerprint that is generated for each user.
Prevent fraudsters from taking over user accounts by continually analyzing user location behavior. If Incognia detects suspicious location activity it can trigger additional authentication to confirm the user is legitimate.
Verify transactions by analyzing the behavioral pattern of each user and matching to in-app transaction history. Transactions initiated at unfamiliar locations will increase the Incognia risk score and can be used to trigger step up authentication.
Precise location data allows us to match device visit history to each address claimed during account opening. We continuously validate this location information, so that we can detect and alert for changes in behavior that may indicate a change of address, or possible fraudulent activity.
During in-app actions, such as login or secure transactions, we verify how familiar the device's real time location is compared to the user's historical behavior, and assign a risk score. A high risk score is provided when events are initiated at unfamiliar or untrusted locations, which may indicate an attempted account takeover.
We secure digital transactions by matching the historical location fingerprint and the transaction history of the initiating user, to their real-time location. Transactions initiated at unfamiliar locations will result in a higher risk score. In-store transactions are secured when we match the user's real-time location with the indicated store.