Advanced Identity Score combines Visa's artificial intelligence (A.I.) with unique, proprietary data to help issuers predict credit application fraud—including Identity Theft and Synthetic Identity.
This Fair Credit Reporting Act (FCRA) compliant identity fraud score aims to prevent fraud losses at the point of application—helping better detect synthetic identities and determine the probability of any fraud including first-party fraud in real-time.
Harnesses virtually all U.S. approved and declined bank card application data, as well as application and account level fraud.
Uses Visa's A.I. and deep neural network to help verify applicants and predict 12-months of account behavior in real-time.
Draws from a FCRA-regulated database for use in credit decisioning while also delivering four reason codes to understand the score’s computation.
Delivers a network agnostic score that can be used for all card brand applications, not only Visa.
This solution leverages an extensive, proprietary database that includes issuer-reported data on nearly all bank card applications made in the U.S., as well as application and account-level fraud data. With this solution, you'll have unmatched insights into application velocity, fraud patterns, and overall activity that aren't available anywhere else.
100 M+
new applications annually
12 M+
fraud cases reported annually
8 M+
bankruptcies
Tackles Identity Fraud, New Account Fraud, Synthetic Fraud, Bust-Out and First-Party Fraud.
Helps optimize new account openings by reducing fraud and false positives—confidently advancing good applications through.
Built to include more data in the future and to support numerous loan and underwriting needs—beyond credit cards.
Supports auto-decisioning and increases accuracy, effectiveness, and efficiency in the application process.
Download this product overview to understand how this solution distinguishes between fraudulent and genuine applications to help predict fraudulent applications.
