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.

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:

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

Reputation

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

• Trust Score®

Ownership

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

• Identity Verify℠

"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