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Account Takeover Prevention

Real-time detection of use of stolen identities

Reduce ATO with advanced fraud prevention using location behavior and device intelligence.

  • Reduce ATO

    Reduce ATO

  • Frictionless account security_2

    Reduce friction

  • Fraud

    Reduce fraud

Incognia Phone
  • Reduce ATO rate

    Identify use of stolen credentials before account takeover

    • Recognize trusted customers based on location behavior
    • Detect anomalies in user behavior and device characteristics
  • Reduce friction for trusted users

    Stop fraudsters, not customers, accessing accounts

    • Works silently in the background, requiring no action by users
    • Provides continuous risk assessment 
  • Reduce fraud

    Detect emulated or compromised devices and device spoofing

    • Identify fraudulent devices and fraud farms
    • Detect device anomalies 
Case Study

Fintech reduces ATO on mobile wallet by 53%

  • 79%

    of users automatically verified

  • 53%

    reduction in account takeovers

  • 0.5%

    false positive rate

  • 2.6X

    ROI

Frictionless risk-based authentication

Keep fraudsters out and let customers in.

Incognia provides dynamic, adaptive risk-based authentication to help companies secure mobile users and prevent account takeover.

Adding no friction, Incognia works silently in the background to build a location behavioral pattern, unique to each user. It works like a location fingerprint, that is dynamic and continually updating. Incognia continuously searches for anomalies in user location behavioral patterns and device characteristics.

When a fraudster attempts to access an account using stolen credentials that don't match the device or user location behavior history, Incognia will deliver a higher risk score. For trusted users, Incognia delivers a low-risk, and friction free login experience.

  • User attempts login

    User attempts login

    The user enters login credentials.

  • Device is checked

    Device is checked

    Incognia checks the user’s device for emulation or location spoofing and delivers a risk score.

  • Location is checked

    Location is checked

    Incognia matches the user’s current location with the user's location behavior history to assess risk and deliver a risk score. For low-risk logins, Incognia enables a friction free experience.

Insights & Analytics

Location and Device Intelligence

We make it easy to view and access risk assessment details, with supporting reason codes, in summary and detailed view dashboards.

    • icon-high-level-summary

      Summary and detailed views of risk assessments

    • icon-export

      Export feature for in-depth reporting

    • icon-detailed-view

      API integration with any risk engine

    Dashboard overview
  • Device
    dashboard-device
  • Location
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Designed for developers

Fast SDK Integration & Easy to Use APIs

We provide a lightweight mobile SDK and intuitive APIs to make it easy for you to add location and device intelligence to risk assessments throughout the user journey. 

  • Instant value

    Integrate in minutes using our integration wizard

  • Well-structured API

    Work with well-structured and easy to understand API responses

  • Monitor-only mode

    Test in monitor-only mode and view results on the dashboards

SDK Payload Example
Case Study

Frictionless Authentication & Fraud Prevention

Understand how Incognia worked as Silent Risk Signal and enabled a Fintech with over 2 million users to reduce account takeover cases and decrease cost in...

Solution Brief

Account Takeover Prevention

Risk-based authentication based on location behavior to reduce ATO and SIM swap fraud.

Blog Post

Identifying Account Takeover Using Location Behavior

90% of legitimate logins happen at trusted locations, making location the strongest trust signal on mobile.

Start using private location awareness in your app.