Overview

Socure Phone RiskScore is an AI‑driven identity fraud prevention software module that predicts the risk associated with a phone number and verifies phone number ownership in real time. Using advanced machine learning models and one of the industry’s most extensive consortium datasets, Phone RiskScore reduces false positives, detects high-risk phone attributes, and supports fraud mitigation across onboarding, authentication, and transaction lifecycles. The solution enables organizations to apply risk-based verification flows, streamline digital interactions, and build trust while minimizing operational friction and losses from fraudulent activity.

Features and Capabilities

• Core Risk & Ownership Intelligence:
  • Predicts risk and verifies phone ownership using advanced machine learning and consortium data.
  • Evaluates phone-specific signals including number tenure, carrier, porting events, and line type.
  • Generates predictive risk scores along with over 70 reason codes for detailed insights.
• Fraud Detection Use Cases:
  • Mitigates identity fraud at critical touchpoints such as account creation and OTP verification.
  • Detects risky phone numbers in peer-to-peer actions, high-value transactions, and profile changes.
  • Passively validates phone information before step-up authentication, reducing friction for legitimate users.
• Progressive Onboarding Support:
  • Supports incremental, risk-based onboarding flows with adaptive step-up verification when needed.
  • Balances security and user experience by applying scoring dynamically based on risk assessment.
• Technology Highlights:
  • Passive yet predictive: Leverages telco signals, linkage strength, and correlation analysis.
  • Flexible integration: Designed to work with broader identity verification and fraud decisioning platforms.
  • Continuous improvement: Models continuously enhance accuracy using feedback from broad customer data and historical trends.