Identity Authentication
Fraud Prevention via Identity Authentication
Identity Authentication Overview
The world is in the throes of an identity theft epidemic. Mass data breaches by tech-savvy individuals and organized criminal groups has led to consecutive periods of year-over-year double-digit growth in the losses experienced by organizations resulting from fraudulent use of stolen identities.
For many reasons, public facing organizations must concern themselves with ensuring that they know who their customer is. Whether to maintain compliance with regulations such as the Red Flag Rules associated with the Bank Secrecy Act, or to protect the assets and properties that may be accessed using a victim’s personally identifying information, the need to authenticate individual identity is more important than ever.
Consumers want to transact with your company quickly and efficiently, with minimum trouble, from anywhere they may be. For most companies that provide high trust services and products, the challenge lies in accommodating this customer demand for convenience while still maintaining compliance and minimizing the risk of losses that may result from fraud.
When a customer presents identification – a driver license, a state-issued ID, a passport, a military ID, or similar– it is up to the recipient organization to determine whether or not the given identification is genuine. It will become of increasingly great importance to organizations that they be able to conduct this task efficiently and effectively regardless of where the customer may be attempting to conduct their transactions.
Trusted Identity Authentication Solutions
Every transaction starts with a question: Is this person who they say they are? Identity authentication answers that question in seconds, not minutes, and replaces guesswork with a documented pass-or-fail decision. FraudFighter delivers real-time identity verification at the point of sale, on mobile devices, and through any browser. With 25+ years of fraud prevention experience and SOC 2 Type II compliance, FraudFighter protects 25,000+ point-of-sale locations across North America. Wells Fargo, Avis, Disneyland, Capital One, and Mercedes-Benz Financial Services trust FraudFighter to authenticate IDs, passports, and credit cards before money or assets change hands. Get a free consultation today!
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- FraudFighter ID Desktop: Scanning hardware paired with authentication software for high-volume locations like bank branches, dealership finance offices, and casino cages. Authenticates US and Canadian driver's licenses, state ID cards, passports, and credit cards.
- FraudFighter ID Mobile: Brings document verification to field reps, hotel front desks, and pop-up retail. Forensic-grade ID verification with no fixed hardware.
- WebID: Browser-based digital identity verification for online customer onboarding and remote transactions. No software install required.
- Liveness Detection and Biometric Analysis: Confirms the cardholder is physically present and matches the document, blocking stolen credentials and deepfake attempts.
- Compliance Reporting Portal: Multi-location dashboards with full audit trails for KYC, CIP, BSA/AML, FACTA Red Flag, FINTRAC, and Title 31 reviews.
- Capture: The employee scans the government-issued ID using a FraudFighter device or the mobile app.
- Authenticate: The system checks UV features, infrared patterns, magnetic ink, hologram alignment, and barcode data against public and proprietary records.
- Validate: Liveness detection and biometric analysis confirm the cardholder is present and matches the document.
- Result: A pass or fail decision appears on screen in under 10 seconds, with the entire transaction logged to the cloud audit trail.
In-Person Point of Transaction Identity Authentication
The most direct and easy way to authenticate a person’s identity is to authenticate their identity credential document to make sure that it is not a forgery.
When that person is right there at the checkout counter or teller window, the process is fairly straightforward. FraudFighter supplies two types of authentication devices to be used in this situation:
- Ultraviolet detectors for manual authentication
- FraudFighter ID + forensic document scanners for automated authentication
Choosing the correct product is a matter of evaluating potential exposure and considering your business use case to determine which is the
Online and Mobile Transaction Identity Authentication
The great challenge now facing organizations is how to conduct identity authentication when the client is not at your location. Shopping. Banking. Accessing government services, existing accounts, or medical benefits. All can be conducted via web-based browsers, or – increasingly more common – via mobile applications.
How can organizations ensure that they know who their customer is in these circumstances?
FraudFighter believes that the answer must still lay in the authentication of the government-issued identity credential document. For this reason, FraudFighter has partnered with some of the leading global companies in development of a suite of mobile solutions that allows for the remote authentication of ID documents regardless of where the client may be when they transact with you.
Credentialing Your Constituents
For many organizations, the business case justifies a procedure that allows for the repeated authentication of clients through simple, automated processes.
FraudFighter's FraudFighter ID solution is designed to help you build and manage just such an ability.
FraudFighter ID can be the primary identity management tool for an organization. The FraudFighter ID process involves "credentialing" your constituents - whether they by customers, members, employees, or other. The first step lies in establishing your trust in this individual's identity. FraudFighter ID enables this through a two-phase process that involves, first, authenticating their government-issued identity document, then, performing a facial match of the live individual against the image on the identity document.
This, then, allows an organization to begin transitioning the individual into becoming a "trusted identity" - a term that means, generally, that "we believe you are the person you claim to be and that we can assertively verify you no matter what channel you are using to deal with us."
It would not be prudent, however, to believe that every time a client interacts with an organization, that they should be required to undergo an ID document authentication. This could be costly, time-consuming, and create friction in transactional environments.
Instead, FraudFighter ID allows clients to mix and match various different multi-modal active and passive identification services - such as behavioral biometrics, behavioral analysis, physical biometrics, and more - to ultimately move the individual into the "trusted identity" category.
In this way, your authenticated clients can be identified when conducting transactions -in many cases without having to say or do anything - a step that can be achieved fairly simply regardless of where they may be.
Automatic Identity Authentication Products
We support a number of different high-end ID document scanning hardware products to work together with our FraudFighter ID software. The two products that we have found to be easiest to work with are featured here:
- ID-150 for "smaller" driver's license sized documents
- AT10K for both "small and large" documents (incl. passports)
- PAL-ID1 for images and data from driver license sized (ICAO ID-1) documents
The FraudFighter automatic identity document authentication products work in unison with FraudFighter ID, our groundbreaking ID document authentication software solution.
If you need help determining which automatic identity authentication product will benefit your business the most, our team of fraud prevention specialists can help you out. Please click here to get in touch with our fraud prevention team.
Manual ID Authentication Products
Ultraviolet Detectors
Browse through our catalog of manual identity authentication products:
These manual ID document authentication products utilize long-wave Ultraviolet (UV) light. UV light causes invisible fluorescent security features to become visible, allowing you to verify that the ID document is secure.
If you need help determining which manual identity authentication product will benefit your business the most, our team of fraud prevention specialists can help. Please click here to contact our fraud prevention team.
Authenticate customers' identities anytime, anywhere, with our robust, customizable interface.
Now you can authenticate identities faster than ever using FraudFighter ID, our new proprietary ID authentication software!
Trusted Across Banking, Retail, Auto, Gaming, and Hospitality
FraudFighter's identity authentication products serve more than 25,000 point-of-sale locations across the United States and Canada. The same platform that protects Wells Fargo branches also protects Avis rental counters, Fletcher Jones Motorcars finance offices, and Disneyland merchandise registers.
- Banks and Credit Unions: Meet KYC and CIP requirements at every teller window. One credit union client used FraudFighter to stop a $43,000 fraud attempt that had already cleared knowledge-based authentication.
- Auto Dealers and Rental Agencies: Avis reported that locations equipped with FraudFighter virtually eliminated vehicle theft from fake IDs and stolen credit cards.
- Casinos and Gaming: Title 31, state gaming commission, and SAR documentation handled in a single reporting layer.
- Retail and Jewelers: Coffin & Trout Fine Jewellers stopped a $22,000 loss the moment a suspicious driver's license failed authentication.
- Hotels, Telecom, and Auto Finance: T-Mobile, Capital One, and Mercedes-Benz Financial Services use FraudFighter to authenticate identity before opening accounts, financing vehicles, or activating service
To Protect Your Business, Contact FraudFighter
Stop identity theft and document fraud the moment it happens, not weeks later when the chargeback arrives. Schedule a free consultation with a FraudFighter specialist to map the right identity authentication solution to your transaction volume, industry, and compliance requirements.
Frequently Asked Questions
Identity authentication confirms a presented document is genuine AND that the person presenting it is the rightful owner. Identity verification often only confirms the document data exists in a database. FraudFighter handles both layers with forensic document authentication, plus liveness detection and biometric analysis for customer authentication.
Under 10 seconds per transaction. The FraudFighter ID device captures the document, runs it through multi-layered identity verification processes (UV, infrared, magnetic ink, barcode, public records), and returns a decision before the customer puts their wallet away.
FraudFighter authenticates US and Canadian driver's licenses, state and provincial ID cards, passports from over 200 countries, employee IDs, and credit cards. The system reads the security features built into each document and validates them against the current document libraries.
FraudFighter generates a documented audit trail for every authentication, supporting BSA/AML, KYC, CIP, FACTA Red Flag, FINTRAC, FinCEN SAR, and Title 31 reporting. SOC 2 Type II certification confirms enterprise-grade data protection and privacy and security measures across the platform.
No. Most FraudFighter clients report faster onboarding after deployment. The 10-second verification replaces 2-5 minutes of manual ID inspection, photocopying, and call-back protocols. Customers move faster and identity confirmation is documented automatically.