Authenticate your customer’s identity in a matter of seconds
It’s becoming increasingly important to know that the people you’re talking to or selling goods and services to are exactly who they say they are. Now with the help of cutting-edge technology, NCMS can assist you in verifying, in real-time, your U.S. or international customer’s identity, thus dramatically reducing potential losses.
Who Can Benefit?
NCMS designed this service to defend against fraud, identity theft, terrorism, and money laundering. This service can be used by ACH processors, software developers, car dealerships, financial institutions, payday loan operations, insurance companies, government agencies, check cashing companies, brokerage firms, and mortgage companies, for example.
For merchants that service customers internationally we can tap into 157 nations government-issued ID databases that includes over 3.4 billion citizen records thus giving you peace of mind that reaches beyond the boarders of the United States. Our data sources for this service originate from trusted entities such as government offices, police, and government-owned telecommunication companies.
Service Features
- Verify both U.S. and international customers
- Verifies and authenticates a customer’s identity in seconds
- Verifies SSN and name match
- Verifies SSN was issued after date of birth
- Verifies name and address match
- Verifies phone and name match
- Verifies phone and address match
- Verifies name and date of birth and driver’s license name match
- Checks whether customer address is high risk
- Checks whether customer is on a deceased list
- Screens name against Office of Foreign Asset Control (OFAC) list
- Can initiate interactive historical questionnaire to authenticate identity
- Provides up to 72 response codes in a customized format
- Complies with the Patriot Act
The NCMS Advantage
Our service aggregates the highest-quality data sources available today and combines those with its own sophisticated programming methodology. These data sources include the Social Security Administration, Regional Bell Operating companies, credit header data, government watch lists, and many other proprietary sources. If requested, our service offers, at no additional cost, the most effective identity authentication solution on the market today. We pick the question and the answer. The correct person answers quickly and easily without holding up the online transaction or line. The identity thief stumbles and finds another business to steal from.
Customized Service
While most clients prefer to receive all of our raw data, we can deliver a customized result. Whether you need all the raw data, specified data, one question, five questions, or a customized risk score, NCMS will accommodate your needs.
How Can I Access This Service?
The simplest means of accessing our Customer Identity and Authentication service is through our Virtual Terminal. For merchants who need an integrated solution, this can be achieved a number of ways. The system is written in ASP.NET with VB.NET for business logic using SQL Server 2000 and direct socket connections to our vendors for data storage and retrieval. We expose interfaces to our data through XML over SOAP, XML over HTTPS, and XML through .Net Web Services.
End-to-End Protection
By combining our Customer Identity and Authentication service with our Check Verification service, NCMS can provide you with the most comprehensive fraud management system on the market today.