OneScanID

It's no secret that identity theft is the fastest growing crime in America today. In an attempt to protect consumers and businesses, the government amended the Fair and Accurate Transactions Act of 2003 (FACTA) with sections 114 and 315, resulting in what has become known as the Red Flags Rule". Consequently, designated businesses and institutions are required to develop and deploy an Identity Theft Program to combat ID theft on new and existing accounts.

In order to assist your business or institution to navigate through this complex law, our Identity Verification solutions are specifically designed to detect attempted fraud and identity theft to reduce your exposure to federal fines and civil suits filed by victims. As a subscriber, our multifunctional system ensures your operation's total compliance. .

A key component of the "Red Flags Rule" is required verification. The verifiction of identifying information presented by an individual opening a "covered account",as well as the required authentication of the individual presenting the information. Without the prescribed process to authenticate and identify the individual, your business or institution may only be verifying stolen identity information, resulting in possible class action against your operation.

Today, with the help of cutting edge technology, OneScanID™ assists you in determining, in real-time, that the person you are talking to, is in fact who they represent themselves to be, dramatically reducing potential losses.

Attorney James B. Rivenbark, designed this service to defend against fraud, identity theft, terrorism, and money laundering. It can be used by Rule, including: retail merchants, transportation dealerships, software developers, government agencies, education institutions, utility companies, physicians and health care providers, plus hundreds more.

OneScanID

• 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
• 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

OneScanID™ selects the highest-quality data sources available today and combines those with its own sophisticated programming methodology. The Social Security Administration, Regional Bell Operating companies, credit header data, non-credit data, government watch lists and several proprietary sources. Just to name a few.

To get OneScanID™ in your business, simply subscribe, and access our Customer Identity and Authentication service through our Virtual Terminal. For merchants who need an integrated solution, this can be achieved via XML over SOAP and XML over HTTPS. Contact our Technical services department for more information