My Customer's Identity has been Stolen! How Can I Detect if Subsequent Activity is Real?

One way is through IP Intelligence or geolocation technology, which makes it possible to know the true geographic location of website visitors and spot possible anomalies that could indicate fraud.

• Your customer's online activity creates an IP fingerprint of their banking patterns, which may include where he is located and how he connects to the Internet. If your customer from Kansas logs on with an IP address from an eastern bloc country, you may have an identity theft problem!
• Determine if the customer is logging in from a location that makes sense in light of what you know about that customer. If not, the bank can have "rules" in place to react. For example, if the customer's IP geolocation information is outside known parameters, a "We're sorry, but we cannot accommodate your transaction at this time," type of message could be displayed.