Fraud detection and step-up verification
Detect possible fraud and trigger step-up authentication when needed: keeping fraud at bay while delivering a better experience.
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Prevent fraudulent transactions
Use up-to-date intelligence on phone numbers to detect potentially fraudulent transactions.
Reduce customer friction
Streamline transactions by triggering step-up authentication for only those numbers suspected of being fraudulent.How fraud detection step-up verification works
1. Your app requests a customer’s number
When setting up an account — or, as part of a high-value transaction — your app asks your customer to enter his/her phone number.
2. Your app sends the number to Number Insight
Number Insight returns real-time intelligence on the phone number — whether it is valid, reachable, a virtual number or a landline and more. If the number is unreachable or invalid, your app can ask the customer to re-enter their mobile number.
3. Your risk scoring engine raises possible alerts
If the information returned by Number Insight raises alerts in your risk scoring system, your application can trigger an additional authentication step using Vonage APIs Verify.
4. Vonage APIs Verify enforces authentication
Verify sends a single-use verification code via SMS or voice for your customer to enter into your app, which then returns the code to Vonage APIs for validation. If the verification codes match, your app can register the customer; if not, it can block the customer.
Programmable elements used in this solution
How fraud detection step-up verification works
Detect number fraud quickly
Vonage APIs Number Insight is a comprehensive service that returns up-to-date information about phone numbers, including number validity, formatting, type, reachability, ported status, carrier, country, roaming status and roaming country.
Consolidate number information
Number Insight references multiple sources, including numbering plans, Vonage APIs databases, portability databases and carrier databases – all in real time – to provide accurate, actionable intelligence.
Gain global insights
Vonage APIs Number Insight can validate numbers from any location in the world, so you can be sure you have accurate information regardless of where users are.
Integrate insights easily
Number Insight is a simple web API that you can integrate into your infrastructure within minutes. Number information is returned synchronously in the API response.
Control costs and avoid unnecessary transaction delays
You can validate numbers quickly and cost-effectively making sure that authenticated users can complete transactions in a frictionless manner while customers with suspect numbers can be more thoroughly authenticated.Related solutions
