Equifax's Digital Identity Trust product uses advanced technology to verify and authenticate digital identities. It integrates data from various sources, including government IDs, biometrics, and device intelligence, to ensure accurate identity verification. The system employs AI and machine learning algorithms for real-time risk assessment and behavioral analytics to detect anomalies. Key technical features include risk-based authentication, global data integration, and seamless API connectivity. This solution enhances security by providing a multi-layered approach to identity verification while maintaining a smooth user experience.

Insights

Code	Description
GRID-DIT-OVERALL-TRUST-RECOMMENDATION	Approve: if the following conditions are true: Identity Trust = Yes Address Trust = Yes Email or Phone or SSN Trust = Yes Deny: if any of the following conditions are true: Identity Trust = No Address Trust = No Review: with the following conditions: All other combinations
GRID-DIT-IDENTITY-TRUSTED	Logic attempts to establish at-least 2 pairwise affiliation of - Name-SSN,Name-DOB, Name-Address, Name-Phone & Name-Email Logic looks for Risk signals for all PII available and rejects the transaction if found any. Y - Trusted N - Not Trusted
GRID-DIT-ADDRESS-TRUSTED	Address is trusted when: Address exists physically Address is affiliated with Name, SSN, DOB, Phone and Email Address is residential Y - Trusted N - Not Trusted
GRID-DIT-SSN-TRUSTED	SSN is trusted when: SSN is affiliated with at least one of the input fields SSN is affiliated AND low SSN Risk is present SSN is not listed as deceased, no SSN fraud, no multiple-identity associations Y - Trusted N - Not Trusted
GRID-DIT-DOB-TRUSTED	There is a positive affiliation. DOB provides association AND / OR insights using the supplied date of birth and at least one other field of supply in the input PII. Y - Trusted N - Not Trusted
GRID-DIT-PHONE-TRUSTED	Phone number is trusted when: It is trusted by at least one data source, while no phone risk exists. It is affiliated with full name, or it is affiliated with last name and one other PIIs There are no risk signals.For example, A phone is deemed as risky if the phone is transferred < 30 days ago Y - Trusted N - Not Trusted
GRID-DIT-EMAIL-TRUSTED	An email is trusted once the email is affiliated to other PIIs, and no risk exists Y - Trusted N - Not Trusted
GRID-DIT-ACTIVE-DUTY-MILITARY	Active military duty alert present
GRID-DIT-ADDRESS-MISUSE	Address has reported misuse
GRID-DIT-ADDRESS-CAMPGROUND	Address is a campground
GRID-DIT-ADDRESS-HOTEL-MOTEL	Address is a hotel/motel
GRID-DIT-ADDRESS-MAIL-RECEIVING-SERVICE	Address is a mail receiving service
GRID-DIT-ADDRESS-PRISON-FACILITY	Address is a state/federal prison or
	detention facility
GRID-DIT-ADDRESS-POST-OFFICE	Address is a US post office
GRID-DIT-ADDRESS-MULTI-DWELLING-UNIT	Address listed as a multi-dwelling unit
GRID-DIT-ADDRESS-NON-RESIDENTIAL	Address listed as non-residential
GRID-DIT-ADDRESS-MATCH-HOST-LIST	Address match found in "hot address list"
GRID-DIT-ADDRESS-NO-NAME-ASSOCIATION	Address not associated with this
	consumer's name
GRID-DIT-ADDRESS-NO-MATCH	Address not matched on any consumer
	provided addresses
GRID-DIT-ADDRESS-NOT-VERIFIED	Address not verified
GRID-DIT-ADDRESS-VERIFIED-CURRENT	Address verified as consumer's current address
GRID-DIT-ADDRESS-VERIFIED-PREVIOUS-ADDRESS	Address verified as consumer's previous address
GRID-DIT-ADDRESS-ASSOCIATED-MULTIPLE-NAMES-SSNS	Address has been associated with more than one name or SSN
GRID-DIT-CREDIT-FILE-SECURITY-FREEZE-REQUESTED	Consumer requested security freeze on credit file (not included in trust logic)
GRID-DIT-DOB-VALIDATED	Date of birth is validated
GRID-DIT-FIRST-NAME-VALIDATED	First name is validated
GRID-DIT-LAST-NAME-VALIDATED	Last name is validated
GRID-DIT-FRAUD-VICTIM-ALERT-PRESENT	Fraud Victim Alert present in database
GRID-DIT-FRAUD-VICTIM-CALIFORNIA	Fraud Victim California Resident
GRID-DIT-FRAUD-VICTIM-INDICATOR-PRESENT	Fraud Victim Indicator present / Information has been
	blocked due to identity theft
GRID-DIT-FRAUD-VICTIM-LONG-TERM-ALERT	Fraud Victim Long Term Fraud Alert
GRID-DIT-FRAUD-VICTIM-TEMPORARY-ALERT	Fraud Victim Temporary Fraud Alert
GRID-DIT-FRAUD-DATA-SOURCE-UNAVAILABLE	Fraud Warning data source is unavailable (not included in trust logic)
GRID-DIT-FRAUD-WARNINGS-LIMITED	Fraud Warnings may be limited (not included in trust logic)
GRID-DIT-FRAUD-INQUIRY-FIELD	Inquiry field has been identified as potentially fraudulent
	or misused
GRID-DIT-SSN-LAST-4-VERIFIED	Last 4 SSN verified
GRID-DIT-SSN-MEETS-CRITERIA	SSN meets verification criteria
GRID-DIT-SSN-ISSUED-ANOMALY	SSN has never been issued by the SSA or was issued after June 2011
GRID-DIT-SSN-REPORTED-MISUSE	SSN has reported misuse
GRID-DIT-SSN-DIGITS-MISSING	SSN input digits are missing
GRID-DIT-SSN-VALID	SSN is valid
GRID-DIT-SSN-ISSUED-BEFORE-DOB	SSN issued prior to date of birth
GRID-DIT-SSN-ISSUED-RECENTLY	SSN issued recently
GRID-DIT-SSN-VALIDATED	SSN is validated
GRID-DIT-SSN-LAST-4-VALIDATED	Not sure of difference between validated and verified
GRID-DIT-SSN-DECEASED	SSN reported as deceased
GRID-DIT-SSN-DECEASED-DIFFERENT-LAST-NAME	SSN reported as deceased and last name did not match
GRID-DIT-PHONE-COMMERCIAL	Phone line is listed as a commercial entity
GRID-DIT-PHONE-MOBILE	Phone line may be mobile
GRID-DIT-POSSIBLE-ITIN	Possible ITIN (Individual Taxpayer
	Identification Number) (not included in trust logic)
GRID-DIT-OFAC-NO-MATCH	The customer is configured for OFAC but there was no hit on OFAC for the transaction
GRID-DIT-OFAC-HIT-FOREIGN-TERRORIST	There was a hit on OFAC. The subject was categorized as a Foreign Terrorist Organization by OFAC
GRID-DIT-OFAC-NARCOTICS-TRAFFICKER	There was a hit on OFAC. The subject was categorized as a Specially Designated Narcotics Trafficker by OFAC
GRID-DIT-OFAC-NARCOTICS-TRAFFICKER-FOREIGN	There was a hit on OFAC. The subject was categorized as a Specially Designated Foreign Narcotics Trafficker by OFAC
GRID-DIT-OFAC-GLOBAL-TERRORIST	There was a hit on OFAC. The subject was categorized as a Specially Designated Global Terrorist by OFAC
GRID-DIT-OFAC-TERRORIST	There was a hit on OFAC. The subject was categorized as a Specially Designated Terrorist by OFAC
GRID-DIT-OFAC-WMD	There was a hit on OFAC. The subject was categorized as being related to weapons of mass destruction by OFAC
GRID-DIT-OFAC-PLC	There was a hit on OFAC. The subject was categorized as being related to Palestinian Legislative Council by OFAC
GRID-DIT-OFAC-PROPERTY-BLOCKED	There was a hit on OFAC. The subject was categorized as a Specially Designated Global Terrorist by OFAC
GRID-DIT-OFAC-PATRIOT-ACT	There was a hit on OFAC. The subject was categorized as a Patriot Act Blocked Pending Investigation
GRID-DIT-OFAC-NOT-AVAILABLE	OFAC transactions could not be processed due to the data source being inaccessible.
GRID-DIT-OFAC-STATE-HEAD	Head of OFAC Blocked State
GRID-DIT-OFAC-UNKNOWN-CATEGORY	The customer is configured for OFAC but the OFAC category is not among the list of categories currently recognized