A user’s email address is one of the most powerful and widely used signals in the digital world. When used in conjunction with other data points like phone numbers and IP addresses, it reveals a picture of an individual’s identity and activity across online touchpoints.

Fraud scoring uses a variety of rules to evaluate a specific action – like a signup, login, or card payment. Email scoring tools for fraud risk reduction are based on known and historical data points that can indicate the likelihood of fraudulent activities, such as if an email appears on blacklists or is tied to known Tor nodes. The rules are then weighed against other indicators, and the overall score is a measure of how likely it is that an action is fraudulent.

Email Scoring Tools for Fraud Risk Reduction

When paired with other data sources, such as IP reputation and phone validation, the combination of these scores can help businesses detect and prevent fraud before it happens, resulting in fewer chargebacks, declines, and manual reviews, and an optimized process for assessing new customer applications or transactions. However, the effectiveness of a fraud scoring system is reliant on the quality of the data it uses. As fraudsters adapt to algorithms, and as data sets change over time, you must be able to regularly test and tweak your ruleset in order to stay ahead of the curve. Fortunately, AtData’s solution offers the flexibility to adapt to your business needs and the data sources you use.

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