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| Credit is seldom "yes" or "no." Decision Navigator
gives you the flexibility to offer instantaneous options to your consumers. |
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| On-line new account opening carries a much higher level of risk to businesses than do traditional, in-person account openings. "Invisible" consumers can more easily assume a fraudulent identity than can "visible" ones. |
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| Are you a bank offering credit cards? |
| On-line credit account acquisition is an effective response to increased competition only if risk can be controlled, and consumer assets protected. Additionally, your investment in time, equipment and personnel must be minimal. |
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| Are you a retailer with a proprietary card? |
| As time constraints and personal convenience impel more and more consumers to the Internet, retailers must aggressively move on-line to maintain and expand their credit card holding base of consumers. But, profits cannot suffer from the increased risk of fraud. |
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| Are you an on-line retailer? |
| Offering a branded credit card makes it easier for consumers to buy from you. But, channeling the fees saved from third party cards into consumer retention and expansion can only be accomplished by cutting the risks associated with on-line sales. |
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| Do you need? |
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Instantaneous results |
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Applicant identity verification |
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Credit assessment based on customised criteria |
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Multi-level flexibility |
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Higher profit potential |
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Site security |
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| Your Equifax Secure Solution |
| eIDverifier, Decision Navigator |
| New account decisioning has never been easier or more reliable with eIDverifier and
Decision Navigator. |
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| Our authentication engine, eIDverifier, enables you to substantially reduce your risk of fraud by formatting and verifying the applicant information provided. Its Interactive Query allows applicants to prove they are who they say they are. |
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| The fully automated, customisable features of Decision Navigator
ensure consistent, objective decisioning based on your strict standards. Its unique flexibility permits multi-level consumer assessment based on varying account options and promotions. |
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| This powerful combination of our proprietary software, backed by the highest of industry standards, state-of-the-art technology and data-management resources enable trusted, instantaneous response. |
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| And, because your solution is totally outsourced, you avoid costly investment in equipment, time and personnel. |
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| Protect and expand your credit account acquisitions with Equifax Secure's unique line of products and services. |
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| Is this you? |
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Extending new account credit to on-line consumers |
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Establishing new consumer relationships on-line |
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Working to minimise expensive off-line/manual processing. |
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Endeavoring to reducing costs and risk |
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Developing on-line security and encryption processes |
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| Many Internet services today facilitate transactions between other parties. Primarily, on-line auctions, they may also include special interest groups, or
specialised services. |
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| Is this you? |
| Enabling communication between consumers and customers by means of your site. While often involving financial transactions, you may simply be allowing an exchange of restricted information. Site access is usually controlled via PINs. |
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| Auction |
| Increasingly popular with on-line consumers, auction service providers are facing a number of challenges. These primarily relate to identity fraud and lack of payment between consumers using their site. In order to decrease consumer risk, with its accompanying loss of consumers and business revenue, auctions are taking stronger measures to protect site users by authenticating consumers, granting PIN access, and handling payment of funds. |
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| Bill Payment Service |
| Consumers increasingly are opting for simplifying their lives. Bill payment services offer the ease, quickness and convenience of paying bills from one source. Immediate transfer of funds avoids late fees charged when checks don't arrive on time. A major drawback for consumers is the fear that frauds could get access to their account numbers and transfer out large sums of money. Business faces same risk. If they allow fraudulent transfers of funds, the business itself is liable both for the money involved and any legal implications. Site security and consumer authentication is necessary. |
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| Discount Brokerage |
| Providing protected access to consumers, transferring funds, maintaining account information and establishing new accounts all require a high degree of security and speed. |
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| Researching or News Service |
| Both subscription researching services, and pay per document agencies need an easily used, service that protects secure information from unpaid access. |
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| Travel Agency |
| In this highly competitive field, profit per transaction may be minimal compared to volume. Agencies must have a means of protecting their investment by verifying the identity of purchasers, and guaranteeing payment. |
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| Virtual Wallet Registration |
| Simplifying life for consumers puts virtual wallets high on the list. Virtual wallets allow consumers to establish a certified identity requiring one-time registration, which is then accepted by all participating Internet businesses. Must make sure you are registering the "right " person. |
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| Your Equifax Secure Solution |
| Our remote authentication engine, eIDverifier,
verifies the identity of the applicant in a run-time application. |
| Do you need? |
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Complete application information from consumer |
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Immediate verification of Applicant ID |
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Secure transmission of data between one or more areas of web site |
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| On-line market research is a developing field. How can researchers authenticate the demographic data necessary for reliable study results? |
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|
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| On-line new account opening carries a much higher level of risk to businesses than do traditional, in-person account openings. "Invisible" consumers can more easily assume a fraudulent identity than can "visible" ones. |
|
| Are you a bank offering credit cards? |
| On-line credit account acquisition is an effective response to increased competition only if risk can be controlled, and consumer assets protected. Additionally, your investment in time, equipment and personnel must be minimal. |
|
| Are you a retailer with a proprietary card? |
|
| As time constraints and personal convenience impel more and more consumers to the Internet, retailers must aggressively move on-line to maintain and expand their credit card holding base of consumers. But, profits cannot suffer from the increased risk of fraud. |
|
| Are you an on-line retailer? |
|
| Offering a branded credit card makes it easier for consumers to buy from you. But, channeling the fees saved from third party cards into consumer retention and expansion can only be accomplished by cutting the risks associated with on-line sales. |
|
| Do you need? |
|
| • |
Instantaneous results |
|
| • |
Applicant identity verification |
|
| • |
Credit assessment based on customised criteria |
|
| • |
Multi-level flexibility |
|
| • |
Higher profit potential |
|
| • |
Site security |
|
|
|
| Your Equifax Secure Solution |
| eIDverifier, Decision Navigator |
| New account decisioning has never been easier or more reliable with eIDverifier and
Decision Navigator. |
|
| Our authentication engine, eIDverifier, enables you to substantially reduce your risk of fraud by formatting and verifying the applicant information provided. Its Interactive Query allows applicants to prove they are who they say they are. |
|
| The fully automated, customisable features of Decision Navigator
ensure consistent, objective decisioning based on your strict standards. Its unique flexibility permits multi-level consumer assessment based on varying account options and promotions. |
|
| This powerful combination of our proprietary software, backed by the highest of industry standards, state-of-the-art technology and data-management resources enable trusted, instantaneous response. |
|
| And, because your solution is totally outsourced, you avoid costly investment in equipment, time and personnel. |
|
| Protect and expand your credit account acquisitions with Equifax Secure's unique line of products and services. |
|
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|
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| On-line consumer management of account queries, history and transactions allows consumers to take as much time as they need, while relieving demands on your personnel and equipment resources. Thus offering significant cost savings to your financial institution. It reduces employee workload, and need for physical access to existing facilities. Additionally, it lowers chance of clerical error, and streamlines transaction processing. |
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| Are you a bank offering on-line account access? |
| An increasingly Internet savvy consumer base not only makes possible, but also demands on-line access to their accounts. The do-it-yourself nature of on-line banking saves time, money and personnel. It can also increase your vulnerability to fraud unless communication is secure, and consumer identity verification methods are in place. |
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| Are you a brokerage serving on-line consumers? |
| You consumers require 24-hour access to their accounts. You need to provide that access while ensuring secure communication and account integrity. |
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| Are you a utility expanding beyond a local consumer base? |
| With consumers no longer located within a small geographic, even contiguous area, utilities and telecommunications providers need a cost effective, easily accessed, secure means of providing customer service. Labor-intensive account management results in missed opportunities and lost revenue. You need to
optimise your transactions by authenticating users in an on-line, run-time application. |
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| Your Equifax Secure Solution |
| PayNet Secure's eIDverifier authentication and PIN management services, along with an eBusiness ID Web Server Certificate or Wildcard certificate. |
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| Why should you have to wait until fraud occurs to protect yourself? With Equifax Secure's eIDverifier no waiting is necessary.
Minimise your risk exposure by authenticating your consumers prior to granting PIN access. PIN management is easily added on by using PayNet Secure's authentication and PIN management services. A simple, on-line process ensures the security of your site and verifies the identity of your consumers. |
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| Equifax Secure's eBusiness ID and Wildcard Web Server Certificates provide optimum encryption security and are accepted by 98% of web browsers today. Secure multiple domains that end in the same second level domain name using our Wildcard Certificates. |
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| ©2000 Equifax Secure. All Rights Reserved. |
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