APIs for Builders to Create Custom Solutions

5 min implementation time to deploy core API functionalities

Client and server-side SDKs to fast-track implementation

A single integration that allows you to quickly set up and scale

Custom API Solutions

Prove Identity®

Reputation

Ownership

Seamlessly verify consumer identities and deliver real-time risk scoring to reduce friction and control fraud.

Benefits:

• Boost pass rates by passively confirming consumers are in possession of the phone they rightfully own, all while maintaining privacy
• Streamline AML/KYC compliance at onboarding and with ongoing monitoring
• Detect and prevent sophisticated fraud threats, including synthetic identity fraud and true name fraud, using real-time behavioral signals

Identity Verify℠

Ownership

Confidently verify identities by validating consumer-provided PII and confirm phone number ownership using authoritative data, including device and phone number data.

Benefits:

• Helps to eliminate bad actors, prevent fraudulent accounts, and reduce user friction throughout the customer lifecycle
• Proprietary reason codes offer additional insight to evaluate risk, such as ownership tenure

Trust Score®

Reputation

Real-time measure of phone number reputation and behavioral signals that silently assesses risk to minimize friction and mitigate fraud.

Benefits:

• Silently assesses risk and identifies when to step-up authentication to mitigate SIM swap fraud, Authorized Push Payment scams, identity theft and other account takeover schemes
• Coverage includes users with limited/no credit history, unbanked persons, and young demographic
• Unique reason codes provide additional insight into score, such as identity tenure

Trust Score+

Reputation

Leverages Prove proprietary data, MNO/carrier data for real-time signals and Non-Consented signals to provide real-time identification of account takeover risk, device theft, and unauthorized SIM swap & ports.

Benefits:

Contact Enrichment

Ownership

Maintain accurate customer profiles and records by continuously verifying and appending existing customer records with additional verified phone numbers associated with the identities

Benefits:

• Ensure you reach the right user each time with real-time, accurate contact information
• Optimize the customer experience and reduce support costs by maintaining the most up-to-date contact information
• Gain a complete and up-to-date picture of your customer profiles, including:
  • Full identity data verification
  • Flag outdated phone numbers
  • Additional trusted contact phone numbers
  • Current carrier and line types, e.g. mobile, landline, VOIP, toll-free etc

Mobile Auth℠

Possession

Real-time, passive authentication (proof of possession check) of a mobile device by resolving the mobile phone number assigned to the SIM card and by extension, device

Benefits:

• Can replace OTP, passive authentication
• No human interaction required reduces abandonment and opportunity for error; no false positives

Instant Link℠

Possession

A second-factor of authentication (proof of possession check) service that allows a client to issue a clickable link embedded in an SMS.

Benefits:

• Utilizes both active and passive authentication, where possible, to create a more secure alternative to SMS OTP
• Additional insight into risk is available using our IP intelligence and customization of authentication URLs is supported

SMS OTP

Ownership

A second-factor of authentication (proof of possession check) service that allows a Client to issue a One-Time Passcode (OTP) via SMS

Benefits:

• Globally accepted authentication method and established consumer experience
• Reliant on SMS Network: 99.9% SMS handoff to Carriers

Voice OTP

Ownership

A second-factor authentication (proof of possession check) service that allows a Client to issue a One-Time Passcode (OTP) via a Voice call.

Benefits:

• Configurable voice prompts, able to authenticate all device types, languages include English, French, Spanish, Japanese, Mandarin, etc.
• Enable authentication for users without the ability to receive an SMS

Prove Caller Authentication

Possession

Deterministically authenticate that a call originates and is in session from your consumer’s mobile device while they are in an active session with your call center.

Benefits:

• Improves servicing and contactability with a persistent, trusted link between a consumer and their phone number
• Seamless, passive authentication that adds a powerful layer of security without compromising the user experience

Identity Manager

Ownership

Real-time notifications for phone number, device, and other identity attribute changes and disconnects via batch updates.

Benefits:

• Optimize consumer servicing with active monitoring and alerts to reach the right consumer each time
• Reduce fraud by proactively identifying changes in phone ownership to prevent unauthorized account access

Our solutions leverage Prove's PRO Model℠ of identity verification & authentication

Our Solutions leverage 3 unique checks that make identity fraud expensive and unscalable for fraudsters:

Learn More About PRO & Phone-Centric Identity℠

[Possession

Phone numbers are bound to mobile phones with 128-bit encryption, allowing Prove to authenticate Possession.

Mobile Auth℠

Instant Link℠

SMS Delivery

Voice Delivery



John is physically holding the phone](/content/api-studio#w-tabs-1-data-w-pane-0/index.html) [Reputation

Phone numbers have Reputation, allowing Prove to assess risk in real time.

Trust Score®



The phone number has 10 years of real-time behavior](/content/api-studio#w-tabs-1-data-w-pane-1/index.html) [Ownership

99% of consumers have a personal phone number, allowing Prove to verify identity via Ownership.

Identity Verify℠



The phone number is owned and operated by John

John’s identity has been verified successfully](/content/api-studio#w-tabs-1-data-w-pane-2/index.html)

"We were looking to solve two primary challenges: reducing fraud and improving the customer experience by reducing friction in the credit card application process. Prove allows us to validate phone ownership and possession for 90%+ of users while also allowing us to pre-Fill meaningful pieces of the application for those users, reducing the number of steps they need to go through to sign up."

Brandt Smallwood

Head of Card at Bilt Rewards

“We’re committed to providing customers with a seamless and secure sports betting experience, and our partnership with Prove is a testament to that safe bet. Prove Pre-Fill® adds an extra layer of security, reduces sign-up abandonment, and improves the overall user experience by streamlining the identity verification and authentication processes. Users can now enjoy the BetMGM sports betting and casino experience faster and with greater peace of mind.”

Adam Greenblatt

CEO, BetMGM

“Prove's solution saved our call center. We implemented it proactively before we began seeing this surge, and we are so glad that we did. It has enabled us to increase our number match rate and cut down significantly on call wait times. It has very clearly made a difference for us!”

Call Center Authentication Executive

Major US Bank

“This is going to fundamentally shape how insurers think about digital engagement with their customers and consumers.”

Edward Jaworski

VP of Business Development

“Prove and their Mobile Verify solution, allow roughly 60% of our mobile enrollments to benefit from near real-time, frictionless possession checks, in accordance with PSD2-SCA regulation.”

Chris Parker

Fraud Analytics Product & Threat Lead, NatWest

"Prove’s solutions will significantly simplify the enrollment processes for millions of Zelle P2P users, while adding another layer of non-intrusive protection behind-the-scenes for Zelle. Prove brings together data from across the mobile ecosystem—networks, devices, users—to help us assess enrollment and transaction risk almost instantly. This helps us balance the requirements for speed and security in the faster payments space."

Eric Woodward

Former President, Risk Solutions, Zelle/Early Warning

"Prove's Pre-Fill® solution is well-positioned to address these challenges with its ability to both authenticate individuals and markedly reduce friction through its auto-fill capabilities.”

Jim Mortensen

Strategic Advisor, Datos Insights

"We've integrated Prove Pre-Fill® and it's a phenomenal solution that drives real results. It not only increases the completion rate and helps you increase sales, but it really does all the fraud work in the background, so it doesn't impact the customer experience, and we saw a significant decrease in the fraud rate. We've had amazing results."

Senior Vice President

Digital Credit & Authentication, Synchrony

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