Login and Authentication

What is Login and Authentication?

The Login and Authentication solution prevents account takeover (ATO) attempts at every critical step of the consumer journey, from login and account changes to device recovery, password resets and even high value transactions. With the unique ability to look at an identity or account across time and across the entire network to determine suspicious or unusual behavior, Socure can verify possession, location and every element of the identity in a single, flexible, risk based no-code flow.

This enables organizations to provide secure and frictionless ATO prevention, to mitigate against the sophisticated attacks of fraudsters that do not negatively impact good customers, layering invisible digital intelligence with insights on device behavior, and historical digital patterns that can step up to additional checks for higher risk scenarios.

Login and Authentication also provides adaptive ATO prevention for any point of the customer journey so that customers can delight their users with easy access to their accounts and while ensuring that those accounts are securely protected when account credentials have been compromised. That level of precision requires dynamically adjusting security measures based on the risk profile for every point on the consumer lifecycle.

Key Features

• Real-time device and behavioral signals (Digital Intelligence)- Perform a low cost, low friction screening step by checking the health of the device, the internet connection, user behavior, and historic observations on the devices, networks, and locations we’ve seen with the PII.
• Assess the risk and legitimacy of new PII (Email Risk, Phone Risk)- Verify bank account ownership and status to ensure transactions are tied to legitimate accounts.
• Uncover emerging fraud patterns (Graph Intelligence) - Get detailed intelligence around identity attributes and their connections across Socure’s vast Network Identity Graph to quickly uncover new fraud patterns and adapt to emerging threats without waiting on model governance review processes.
• Verify user has possession of device (One-Time Passcode) - When risk is present, send a one-time passcode to verify that the account owner has possession of the device or email address before approving account changes or password resets.
• Deploy document and liveness checks (Predictive DocV or Selfie Reverification) - Seamlessly step-up users to document verification in higher risk scenarios to match the consumer PII to a physical ID and a selfie with liveness detection.

Key Benefits

• Prevent ATO at login and any point of vulnerability - Leverage Socure’s multi-layered defense with a single, flexible, risk-based flow to seamlessly scrutinize phone possession, device ownership, geolocation, behavior, SIM swap changes and faces while enabling step-up verification using a physical ID.
• Make hyper-accurate decisions - Gain a comprehensive view of identity that goes beyond a single snapshot in time, aggregating data from all touch points and behaviors from an identity’s earliest engagements in the digital economy to the current risk decision.
• Prevent fraud losses - Outsmart sophisticated fraudsters with a dynamic digital intelligence layer that combines device attributes with historical user behavior to instantly spot unusual activity — without added friction for known users.
• Dynamically adjust high-risk workflows - Automate step-up to higher security measures based on risk profiles and effortlessly guide high-risk users through ID and biometric verification workflow for an added layer of protection.
• Integrate anomaly detection - Analyze subtle user behavior changes with Gen AI-powered perplexity detection quickly mitigate threats like bot and fraud ring ATO attacks.
• Configure custom workflows - Configure and deploy custom and connected workflows all from a single endpoint.
• Decision in real time - Execute automated workflows in sub-200 milliseconds to ensure a seamless user experience. Instantly respond to fraud attacks or adjust risk with a no-code user interface with easy drag and drop features.

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Integration