Identity Verification for Risk Management - Globallypro.whitepages.com

2WHITEPAGES PRO

Whitepages, Inc.Global, diversified, and profitable since 1997

Whitepages.com 411.comFree contact search, 55m unique visitors

For Businesses For Consumers

API

Identity Graph

Person

Business

Phone

AddressEmail

Graph structureReal time RelationalUpdate vs. erase

Whitepages Identity Graph™

Dynamic Identity DataKey is the linkages

1 Million (206) 555-6789Landline

789 Park AveBellevue, WA 98005Previous Address

456 Cherry StSeattle, WA 98122Current Address

John SmithAge 55-59

Mary SmithAge 20-24

Jane SmithAge 55-59

(206) 555-1234Mobile

new/updated links per day Mary Smithmary_s@mary.com

Graph structureReal time RelationalUpdate vs. erase

Whitepages Identity Graph™

Dynamic Identity DataKey is the linkages

Identity Check™5 queries in 1plus risk attributespro.whitepages.com

6WHITEPAGES PRO

Identity Check: 5 queries in 1plus risk attributes!

1. Name-to

-phone match

2. N

ame-

to-

addr

ess m

atch

3. Phone-to-address match

4. Name-to-email match + IP validation

5. Name-to-

address2 match

Identity Check: The most valuable single

query in risk management

PHONE ADDRESS ADDRESS2

PERSON

EMAIL & IP

7WHITEPAGES PRO

Data Attributes

• Phones*• Current address • Address history• Age range• Gender• Link age to

address • Link age to

phone

EMAILPHONE• Occupant name• Additional residents• Deliverability• USPS standard address• Address Type

• Valid / Invalid• IsConnected flag• Line type

• Carrier• Pre-paid flag • Alternate phones**

• Valid / Invalid• Registered name• First seen date• Domain creation

date

• Proxy Flag• Geolocation• Distance from

address

PERSON ADDRESS

Mobile Non-fixed

VOIP Fixed VOIP

Landline Premium Toll-free IP ADDRESS

*How likely a phone is to be associated with consumer-facing spam & fraud**Only landline and fixed VOIP phones are returned

Single unit Multi unit PO Box

Residential Commercial

Identity Check Internationalpro.whitepages.com

9WHITEPAGES PRO

2Q 2016: Identity Check International launched

• Is Valid (Y/N)• Line type• Country code• Carrier• Phone to Address distance

• Is Valid (Y/N)• Is Valid and Deliverable• First seen date• Is Disposable (Y/N)• Is Auto Generated (Y/N)• Domain creation date

Risk

Attr

ibut

es

• Is Proxy• Geolocation• Connection Type• IP distance to

physical address• IP distance to phone

city/country

10WHITEPAGES PRO

International Data for Identity CheckInternational Data for Identity Check

Confirm the validity of a phone number, including carrier and line type, in every country in the worldGlobal email address coverage provides first-seen date, validity the email, and domain creation date.

Confirm the validity of the building or unit’s address, or the street itself, in every country in the world.

We have worldwide IP data that provides proxy status, geolocation, and connection type information.

Lead Verify Identity data for lead validation

pro.whitepages.com

12WHITEPAGES PRO

Identity proofing along the customer continuum

Lead Verify API Identity Check API Identity Check

acquire

lead generation

convert

onboarding and origination

service

ongoing transactions

retain

customer database refresh

Historical Address

13WHITEPAGES PRO

Lead Verify: 4 queries in 1plus contactability scores

1. Name-to

-phone match

2. N

ame-

to-

addr

ess m

atch

3. Name-to-email match and

4. IP validation

Address attributesContact score 1 - 4

Phone attributesContact score 1 - 4

Email & IP attributes: Risk attributesContact score 1 - 4

PHONE ADDRESS

PERSON

EMAIL & IPADDRESSAddress append If phone and name match

14WHITEPAGES PRO

Lead Verify Products Data Attributes

• Name to address match

• Name to phone match

• Name to email match

• Age range• Gender

EMAILPHONE• Address to name match• Contact score 1 - 4• Deliverability• USPS standard address• Address Type

• Valid / Invalid• Line type

• Carrier• Pre-paid flag • Contact score 1 - 4

• Email to name match

• Valid / Invalid• Is disposable• Is auto-generated• Contact score 1 - 4

• Proxy Flag• Geolocation• Distance from

address

PERSON ADDRESS

Mobile Non-fixed

VOIP Fixed VOIP

Landline Premium Toll-free

IP ADDRESS Single unit Multi unit PO Box

Residential Commercial

Appendixpro.whitepages.com

16WHITEPAGES PRO

Identity Check for Merchant Approval and Collections

20,000+ per month

• Assess risk and underwrite small business merchant card processing

• Research chargebacks & catch discrepancies

• Streamline collection efforts

Identity Verification to Reduce Risk

• Five search queries in one view

• Best phone to person data

• Highest mobile coverage

• Secure, reliable, and easy to use

Business Objectives Why Identity Check

17WHITEPAGES PRO

Phone Intelligence for Risk Assessment

200k+ per week

• Mitigate fraud and risk at account set up

• Improve account verification process

Mitigate Fraud in Account Sign-Up Process

• Ability to provide high coverage and match rates on mobile phone numbers

• Data attributes that can help correlate with fraud/risk such as

• Line type, carrier, pre-paid

• Needed real-time data for dynamic nature of their business

Business Objectives Phone Intelligence API