With online fraud steadily rising, an intelligence model where businesses can leverage an aggregated view of digital intelligence across many industries has never been more critical. InExchange is a cross-industry platform of pooled digital intelligence. It was specifically developed to help provide clients with greater confidence in deciding the riskiness of transactions in situations where user or device intelligence is unknown or limited, such as new digital account opening or guest checkout.
InExchange enables clients to associate device elements with anonymized user data across multiple industries in order to better assess the riskiness of a transaction and take additional steps to mitigate potential fraud.
The core of InExchange’s innovative capabilities is built upon InAuth’s next-generation device identifier for both mobile apps and browsers. InAuth leverages thousands of device attributes to create a unique identifier, allowing InAuth to identify the same device across multiple organizations.
To understand the riskiness of a digital transaction, InExchange participants can query the network to gain intelligence about the reputation of a device along with anonymized user data elements associated with that device.
All digital intelligence is hashed (SHA-256) for full security and anonymization
Digital Intelligence contributions and queries are all handled anonymously to protect privacy of clients and customers
Most InExchange queries occur in less than 30 milliseconds
InExchange is strictly a give-to-receive model. Only clients contributing to InExchange can query the network
InAuth monitors digital intelligence quality and differentiates between types of contributors (i.e. financial institutions, merchants, etc.)
Includes digital intelligence from 100 million transactions and constantly growing
InAuth allows clients to contribute digital intelligence into our secure and trusted SOC2 environment. A one-way hash keeps data anonymous and requires a full match. This anonymized data is combined from cross-industry brands, allowing for visibility across the digital intelligence ecosystem.
By combining our permanent mobile device ID with our best-in-class browser fingerprint, associating devices across the network becomes possible, providing an innovative solution unique to InAuth.
IMPROVE RISK DECISIONS
Provides critical context in situations where customer information may be limited, including new account opening, enrollment, card provisioning, guest checkout, and login and authentication.
MITIGATES FRAUD & FRICTION
Creates a trusted device ecosystem to help your business decrease customer friction and simplify the user experience as well as better mitigate risk and stop fraud before it starts.
REDUCED OPERATIONAL COSTS
Helps to reduce manual reviews, step-up authentication, or external data calls through a higher confidence in good devices.
REDUCES SILO-BASED ANALYSIS
Provides a pool of positive and negative profiles from the biggest companies in key industries, such as banking, payments, and commerce.
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