What is Trust Score?
Prove’s Trust Score™ analyzes behavioral and phone intelligence signals to provide a measure of the fraud risk and identity confidence of a potential transaction. It prevents fraud such as SIM swap fraud and other account takeover schemes and can be combined with Prove’s other solutions for account opening, existing customer authentication and fraud prevention.
Key takeaways
- Trust Score™ measures identity confidence using behavioral and phone intelligence signals.
- Real-time fraud risk insights help stop SIM swap and account takeover attacks.
- Works across the customer lifecycle from account opening to authentication.
- Combines with Prove identity solutions to strengthen fraud prevention and decisioning.
- Helps reduce fraud while improving customer experiences through more accurate risk assessment.
Prove’s Trust Score™ is a real-time measure of phone number reputation that can be leveraged for identity verification and authentication purposes. Trust Score analyzes behavioral and Phone-Centric Identity™ signals from authoritative sources at the time of a potential transaction to mitigate fraud such as SIM swap fraud and other account takeover schemes. Trust Score can be utilized to secure the customer experience in a number of different scenarios from digital onboarding to digital servicing and existing customer authentication.
One of the most popular usages of Trust Score is as a trust indicator before sending a one-time passcode to help identify risks such as an insecure VOIP line, SIM swap, and low SIM tenure. By calling Trust Score before sending SMS OTPs, companies are empowered to fortify their OTP solutions by making an informed decision about whether an OTP should be sent or not. For example, if Trust Score is run and comes back with an indication that the line-type is VoIP or that a SIM swap has occurred recently, the company can choose to authenticate the consumer using a different method as opposed to sending an OTP.
Trust Scores run on a scale from 0-1000, with a higher number indicating a higher Trust Score. Trust Scores over 630 are typically considered 'high', and scores 300 and below are categorized as ‘low’. Some of the phone intelligence signals that Trust Score’s risk model examines include phone tenure (SIM tenure, tenure of device), line attributes (active number, number porting, mobile status, available network status, and line type), account activity (change event occurrence velocity), and device activity (device ownership tenure) to calculate level of risk.
The modern
way of proving identity
Trusted by 2500+ leading companies to reduce fraud and improve consumer
Frequently Asked Questions
A fraud risk score that measures identity confidence using behavioral and phone intelligence signals.
It detects high-risk activity such as SIM swap fraud and account takeover attempts.
It evaluates behavioral, device, and phone intelligence signals to assess transaction risk.
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