Enables continuous real time fraud detection using location behavior.
Frictionless UX
Works in the background & requires no action from users.
User Privacy
GDPR compliant & no capture or storage of user PII.
Frictionless mobile fraud detection
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.
Security for the entire user journey
Quickly approve new customers, protect existing customer accounts, and keep fraudsters out.
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.
Verifies the user address provided during onboarding
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.
Validates the reliability of the data collected from a device
We validate the integrity of each device by scanning numerous attributes, including app and file details, to identify attempts to produce fraudulent data. We can detect techniques like location spoofing and device rooting, which may indicate malicious intent.
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.
