How our online identity check works
Your email is like a digital footprint
91% of people with an email address have the same one for more than 3 years; and use it to make online transactions, to apply for and take out loans, to complete social profiles, and more.
We collect insights from thousands of entities
We have access to data from banks, global credit card issuers, global airlines, money transfer providers, marketplace lenders, travel websites, global retailers, eCommerce stores, shared economy, major computer manufactures and ticketing companies worldwide.
What we can tell from this data
We use an email address to globally review the use of this email and provide a risk score. If an email is associated with a high risk score, it may be rejected when going online to make a purchase, or apply for a loan or credit card for example.
If you have a high risk score, your email may be used for fraud, charge backs (purchase something and then disputing the purchase), insurance claims and fake social media profiles.
Who can benefit from our online identity check?
Employers
can use our online ID check to verify personal and professional profiles, providing added verification that the candidates they are talking to are who they say they are.
Insurance companies, banks, rental agents
can verify that the person they are dealing with has a clean/non-fraudulent email address.
Anyone who wants to scan social profiles
to ensure nobody is impersonating them on social media.
Individuals and businesses
Online identity check features and benefits
Global intelligence network
Join a global network of industry leading companies. We use global network and machine learning algorithms. Our data is based on email, behavior pattern and history, name, address, phone number, IP, and other 100 data points.
Digital identity
Online identity check gives a clear picture to who is behind the email and their digital identity. A powerful network intelligence and predictive fraud risk scoring. Decrease your risk.
Real time
Real time answers, and real time global network updates and monitoring.
Technology
Our technology is super easy to use, everything is online and it is real time, giving you easy digital identity score for each individual checked, and information about the person’s online identity
Affordable
With this engine, employment verification and new customers assessment can cost much lesser for organisations, can increase the confidence for organisations already performing a verification, and reduce risks.
Signature product
Unique product of Backy Check Australia
Some applications
- Identity fraud detection
- Identity theft
- Insurance fraud
- Debt recovery
- Law enforcement and cybercrime
- eCommerce fraud prevention and chargebacks
- Account takeover prevention
- Knowledge-Based authentication
- Human rights violations
- Loan due diligence
Risk score categories
Risk Band 6: Very High Risk
Emails that land in this category are either confirmed fraud from our network, or associated with a high level of risky signals. It is recommended these digital profiles to be manually reviewed.
Risk Band 5: High Risk
Typically, the queries in Risk Band 5 have been deemed risky due to velocity patterns, signals from a known risky IP, or the transaction details reflect a history of suspected fraud on our network.
Risk Band 4: Correct Customer Record
Users occasionally mistype, or misspell their email address, rendering them invalid or incorrect. These emails are reported in Risk Band 4. In most cases, this is a good customer who has simply entered their email incorrectly, so we recommend that you contact the customer to have them correct the information before proceeding.
Risk Band 3: Neutral Risk
When an email falls into this category, it simply means that we couldn’t find anything negative associated with that information, however, we were unable to find enough positive signals to push it into Risk Bands 1 or 2.
Risk Band 2: Minimal Risk
These emails have been around for a year or two, have other positive signals associated with an IP, or other variable that is passed to us. These pose very little risk to you, and we advise that you consider approving them, based on the rest of the circumstances surrounding the transaction or customer.
Risk Band 1: Lowest Risk
Queries that land in this category typically contain emails that have existed for at least four years, and have established a pattern of positive signals across our network. These are the customers we recommend considering putting through the fast track, or auto-approving in your system.
Businesses
Online identity check for employers
It can trigger a full screening if you don’t have a full pre-employment screening in place for a third of its cost
Public data
Check legitimacy of a person’s application, skills published and professional recognition. It is unlikely that people publish false information.
Fraud detection
Check if your candidate profile is not involved in fraudulent activities online. In particular if you need a clean record for the job, and if you want to reduce the risk in your business.
Police check integration
If you haven’t run a police check on your candidate, this could be a good indication for you to trigger one
Businesses
Online identity check for credit providers
Complement a credit report with a global fraud risk profile
Applicant's stability
- Job and financial stability check
- Professional view of your applicant, which can give you a better picture of their capabilities to be on time with payments.
- Avoid false applications
Fraud detection
Check that your credit applicant is not involved in frauds.
Risky applications detection, this is a good indicator to verify the nature of online transactions your applicant had
Categorise review
A negative outcome combined with a high-risk score can help you categorise manual applications review
Individuals
Online identity check benefits for individuals
For businesses
Online identity check for businesses
Backy Check offers multiple solutions that will allow your business to smoothly and efficiently process your online identity checks, police checks, background checks and screening services.
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Backy Check for business
Some of our features
No fees
We all hate fees. Pay for what you use.
Real time
Real time KPI tracking and check’s status tracking.
Dashboards and reports
Multiple dashboards available. Portal with orders in progress dashboard. And many more…
Customer's ticketing system on portal
Easily submit support tickets directly in the portal.
Monthly online invoice
Invoices are in the portal, and can be easily accessed. A list of past, paid and open invoices can be seen in your portal’s dashboard.
Automated follow ups
to applicants or referees delaying responses.
Online identity check FAQ
How to check if someone is using my identity?
If you suspect someone is using your identity it is usually because you can see something like the below
- Bills which are in your bank statement and they should not be there
- You got a credit request refused
- Your credit score is low with no particular reason
- You receive mail or email that are unexpected. For example items that you didn’t purchase
- You don’t receive mails that should come, as bills or checks
To check if someone is using your identity, you can
- Order a credit report. Your credit report contains a lot of information about your credit history where you can find for example if someone opened a bank account in your name, or opened a credit line on your name, if your address information are correct and much more. Check it here.
- Check your online identity has not been used online for frauds globally through. Check it here.
If you suspect your identity has been used some of the things you can do quickly are:
- Call your bank, block your card, and tell them you suspect your identity has been stolen.
- Report it to the police. Click here
- Change your passwords, as social media profiles and bank accounts.
- Report it to the Australian Competition and Consumer Commission (ACCC) https://www.scamwatch.gov.au/ so they can create a scam alert for the community.
- Contact IDCARE , which is a free service which helps you your identity theft issue. https://www.idcare.org/
What is an online identity verification?
Backy Check online identity verification checks a person’s identity globally from different sources. We give you a comprehensive report in minutes and a risk score. Some of the sources, comes from financial institutions, social media, online eCommerce, and many databases.
What is an online identity verification?
Go to Backy Check website at backycheck.com.au/background-check-services
- Select the online identity check. You can also bundle with other checks you may want, as a credit check.
- Complete your purchase, and you will receive a link where you can complete online the request.
- You will then receive your online identity check.
100% Australia owned and run
All our people, resources, servers and every piece of data are in Australia.
