Equifax Secure - Identity Verification

Equifax Secure's eIDverifier™ is a remote authentication process providing an equal or greater accuracy for on-line applications as does off-line, one-on-one identity verification. It is a highly accurate, economical, on-line identity validation. Run-time results allow you to validate consumers and continue transactions within minutes. Your branding is maintained throughout, as all pages may display your logo.

Where identity is the issue, eIDverifier makes it simple.

Equifax Secure's remote authentication engine, eIDverifier, allows you to authenticate the identity of individuals accessing your web-site. While other on-line processes simply verify information, they are not able to match information with actual applicants.

The authentication program produces an assessment score and reason codes by making a comparison of consumer-provided information with Equifax and other industry datasources. Acceptable risk cutoff levels are determined by our customers to fit their industry and their business requirements.

eIDverifier saves time and money, and adds value. The automated, run-time nature of Equifax Secure's authentication procedure allows rapid, secure processing of applicants. It saves customers the cost of an in-house support staff, while increasing the reliability of the results.

Equifax Secure authentication verifies a user's identity in a simple, real-time process, accessing multiple databases in a matter of seconds. With eIDverifier, validating the identity of your customer is as easy as one, two, three�

One:
The user completes and submits an on-line application form. eIDverifier performs edits and validations on the data elements supplied by the consumer and then verifies key data fields. Additionally, the consumer-supplied data is compared to the content of multiple databases.

Two:
The Equifax Secure authentication engine displays a multiple-choice questionnaire compiled from information managed by consumer and business information sources. These questions can include elements from the user's financial history. The user then completes and submits the multiple-choice questionnaire form.

Three:
A series of algorithms are run comparing the consumer-supplied information to the datasources, and the consumer responses to the multiple-choice questionnaire to determine if the person is who he or she claims to be. If the engine can verify the user's identity, the user moves to the next step in the customer-defined application process. If eIDverifier cannot verify the identity, the user is directed to complete the identity verification process manually.

Because consumers may opt-out of authentication at any time, all information gathered during authentication is logged. A reconciliation file is generated daily that documents data from all transactions, both completed and abandoned.

Traditional, wallet-based information, used on-line, can only show that such a person may exist. It is unable to demonstrate that the actual individual is the person conducting the on-line transaction. Fake or stolen information cannot be detected until after fraud has occurred. By ensuring that the data itself is legitimate, eIDverifier immediately takes identity validation to a higher, more accurate level. Left there, however, it would still be subject to fraudulent use.

The patent-pending technology used in the Interactive Query leads to highly accurate, dependable results. Moreover, because customers themselves establish which score level is accepted, they can raise their level of fraud protection as high as they need it to be.

Because this information may also be rapidly verified by secure industry datasources, authentication can take place quickly and accurately. Its run-time, secure nature means that more consumers can be authenticated in less time.

In many business applications, identity validation is a starting point for establishing a long-term, secure relationship. Other Equifax Secure services may be used in combination with Authentication to provide a solution to meet your unique business needs.


•	Phone Authentication: Customers have the option to redirect consumers to their call centres. Users unable to authenticate their identity on-line may complete the process by phone. The final on-line screen will provide a number to call. An operator will review the information and ask the user additional validating questions.


•	Credit evaluation: In order to confirm both identity and credit worthiness, customers may elect to perform a credit evaluation in addition to authentication. Decision Navigator may be initiated either before or after authentication. Both results are transmitted in run time.



•	Digital Certificate Issuance: Performing authentication before issuing a secure certificate increases the security value of consumer certificates.



•	Business validations: eIDverifier is an automated consumer authentication program. Equifax Secure also offers manual business authentication as a preliminary to issuing certificates to businesses.

Where identity is the issue, eIDverifier makes it simple.

Firms using eIDverifier, our powerful on-line method for screening out fraud and verifying identity, protect themselves from related loss, and benefit from increased consumer confidence and brand recognition.

The integration of Equifax Secure's Payment Solutions capabilities with eIDverifier enables the real-time authentication of the consumer's identity. This allows secure acceptance of cheques and credit cards by Internet vendors, while avoiding high-risk transactions. Merchandise may be shipped immediately, increasing turnover and cutting storage costs. Its easy integration into a current web site framework can lead not only to increased sales, but also to increased profits.