Melissa Debuts Mobile KYC App and Business Portal to Simplify Identity Verification

Melissa Team | 2019, Digital Identity Verification, eIDV, EIV, Identity Resolution, Personator World, Press Release | , ,

Seamless Data Quality Toolset Includes Document Verification, Biometrics and Liveness Check

Rancho Santa Margarita, CALIF – August 14, 2019Melissa, a leading provider of global name, address, email, phone, and identity verification solutions to improve user experience and KYC (Know Your Customer) compliance, today announced Melissa KYC, a unified compliance toolset enabling businesses to verify the identity of their customers easily, securely, and conveniently. This end-to-end identity verification solution includes ID card and document authentication, biometrics, and liveness confirmation to streamline customer onboarding and customer due diligence processes so companies can confidently adhere to complex government regulations.

Because Melissa KYC is ready to use, regulated businesses can avoid the design, build, and test operations that turn compliance initiatives into costly, time-consuming projects. “Whether verifying an address or working to prevent online fraud, the business process must be easily implemented and meet customer expectations for convenience and speed,” said Greg Brown, vice president, global marketing, Melissa. “Melissa KYC ensures that compliance activities are seamless for the business and create a straightforward, friction-free experience for end-users.”

The Melissa KYC mobile app captures identity documentation, either in-person or remotely, in under three minutes. Using sophisticated facial recognition technology, this authentication process consists of three simple stages: digitally scanning documents such as passports or national ID cards and checking them by optical character recognition; verifying an individual’s “liveness” by the blinking of eyes; and biometric comparison to confirm scanned photo and live individual are the same person.

Melissa KYC’s verification feature authenticates each submission; real-time, multisourced data is used to standardize, correct, and match customer records globally, seamlessly validating customer or supplier data and identity. The company uses the business web portal to review the customer’s submission and generate and store customer due diligence reports to meet compliance requirements. These operations take place in seconds, reducing the strain of compliance on customer service and onboarding activities.

Click here to learn more about Melissa KYC. To connect with members of Melissa’s global intelligence team for support and solutions, visit or call 1-800-MELISSA.

Using Address Verification to Foil the Bad Guys

Melissa Team | Address Check, Address Correction, Address Quality, Address Validation, Address Verification, Customer Identities, Data Quality, Fraud Prevention, Global Address Verification, Global Data Quality, Global ID Verification | , , , , , ,

How an Accounts Payable Company used Data Verification Services to Ward off Transaction Fraud

Fraud prevention relies heavily on how quickly and confidently an organization can determine the customer is who they say they are – a process that’s easier said than done. In fact, 84% of businesses have fallen victim to fraud. Implementing a process to identify your customer is integral to protecting your organization, yet extremely challenging. Imagine trying to take this a step further to verify your customer’s customer. That’s the grueling task that one accounts payable company was up against. The company turned to Melissa’s Global Address Verification for help. Here is their story.

This company offers accounts payable services for other large organizations worldwide. It automates invoice collection, processing, supplier onboarding and global payments – all functions that are highly susceptible to fraud. The company recognized this early on, and determined that financial fraud prevention was a necessity for both itself and its customers.

“We wanted to know ahead of time if any suppliers are giving us invoices with addresses from known fraudsters, or from countries known to be fraud-prone,” the company told us. “We needed a system to validate addresses.”

Faulty Content Information Opens the Fraud Door

Some 20% of addresses entered online contain errors, including spelling mistakes, wrong house numbers, incorrect postal codes, and formatting errors that don’t comply with a country’s postal regulations. Verifying international addresses is even tougher, with a multitude of formats and number of fields varying from country to country. Additionally, verifying address data from around the globe means you must have a centralized reference database for hundreds of countries.

It’s easy to see that for billing and paying, faulty address verification is a critical issue in its own right, potentially resulting in mismatched billing addresses and payment mistakes and delays.

But it goes beyond that. Without adequate address verification, the true identity of fraudsters can be hidden, especially when a company is dealing with multiple addresses in unfamiliar formats. A wide variety of countries are identified by the US State Department as being prone to money laundering and tolerant of suspicious transactions. Companies must verify that addresses are not from known criminals, and need to provide extra screening of addresses from geographic areas of concern.

A Proven Authentication Technology

This accounts payable company adopted Melissa’s Global Address Verification service as a solution for these issues. Global Address Verification authenticates and corrects addresses in more than 240 countries in real-time. The service also formats and standardizes the addresses to that of a specific postal authority’s regulations (for example, the U.S. Postal Service) in a mailing label or database storage format.

By leveraging the power of data sets and the internet, companies can identify a suspicious person by linking a name with a variety of other verifying data. This can involve matching names with phone numbers, addresses and emails. If there are mismatches—and in particular if names and addresses are listed on caution lists—red flags are raised and a company can then suspend financial relations with suspicious persons until more information in acquired.

In the real world, our company under discussion avoided a large part of the fraudulent financial activity on behalf of its clients. As for ROI, how can you measure happier customers who don’t experience the problems they might have encountered otherwise? The company tells us that they’re very happy with this extra level of security, and that their customers don’t have to worry about accounts payable issues from ersatz players with shady backgrounds.

Melissa All-in-One Identity Verification to be Highlighted at FinTech Junction 2019

Melissa Team | eIDV, EIV, FinTech, Global ID Verification, Identity Resolution, News & Events | , , , , , , , , , , , ,

Solution Combats Fraud and Enables Compliance without Impacting Customer Experience

Melissa, a leading provider of global contact data quality and identity verification (IDV) solutions, will demonstrate its all-in-one cloud IDV and enrichment solution at FinTech Junction 2019. Operating in tandem with existing banking and payments software platforms, Melissa’s IDV technology seamlessly verifies identity using a global dataset of billions of records. The solution offers the real-time data necessary to optimize compliance, supporting the full spectrum of banking regulations and data standards enacted to combat fraud.

Melissa unlocks the value of accurate customer data for global organizations including Bank of America, Creditsafe, MetaBank, Tranzfar, BAE Systems, GSK, car2go, Microsoft, the NHS, and the Foreign and Commonwealth Office. With data quality and verification built into enterprise operations, firms see new efficiencies, reduce costs, and guard against fraud in all financial operations. Real-time integration with banking platforms also empowers financial institutions to meet high customer expectations for convenience, speed, and simplicity in operations such as onboarding, customer service, payments, international money transfer, and Forex. Melissa’s IDV solution features:

  • Flexible, automated credit-checking and anti-fraud workflows
  • Entity resolution and compliance supporting Know Your Customer (KYC), Anti Money Laundering (AML), Politically Exposed Persons (PEP), Office of Foreign
  • Assets Control (OFAC) and Bank Secrecy Act (BSA)
  • Scoring and targeting of customers with detailed demographic and firmographic data appends
  • Protection from data decay with 2.1 billion clean, validated records, and enhancement of customer data with missing names, addresses, phone numbers, and emails

Booth visitors also have access to value-added opportunities, with free proof-of-concept and unlimited tech support for onsite purchases. Click here to confirm an onsite briefing or visit the booth during regular show hours, June 26-27, 2019, at Tel Aviv-Yafo’s Avenue Convention Center. To connect with members of Melissa’s global intelligence team outside of FinTech Junction, visit or call 1-800-MELISSA.

What is IP Geolocation & Why is it Important for E-commerce?

Melissa Team | Global IP Locator | , , , , ,

Identifying geolocation based on an IP addresses is a boon for any e-retailer. The process is simple yet the benefits are extensive. From fraud prevention to higher conversions and customer loyalty, it’s worth at least being aware of what IP geolocation is and what it is capable of in ecommerce.

Let’s dig in.

IP addresses are what make communication over the Internet possible. It allows the two-way connection between your computer, smart phone, tablet, printer, modem, etc. to the other via the Internet. An IP address is a string of numbers separated by four periods that identifies a device and its connection through the Internet. Now, where this gets interesting for e-retailers is what IP addresses can return. It can include information about your web visitor’s country, region, city, latitude and longitude, ZIP Code™, Internet Service Provider (ISP), and domain name. This information can be leveraged in a multitude of ways for ecommerce, but we will focus on three important uses – fraud prevention, global customer experience and geotargeting.

Fraud Prevention

Fraud is in undeniable abundance throughout the ecommerce industry and is growing nearly 30% each year. Because banks do not absorb the costs of fraud for ecommerce businesses, as they normally would for a brick and mortar location, the financial impact of fraudulent activities is primarily the e-retailer’s responsibility. This costs online merchants nearly $3 for every dollar lost! What does this mean for a business? It means harnessing methods of prevention is the least expensive action in dealing with Internet fraud, password sharing and abuse of service, to protect your business, your customers and inevitably your bottom line.

Using IP location allows you to see where your customer is ordering from and match that to the billing address that they provided. Simply matching this information will give you a better idea as to whether they are a trustworthy client or a fraud. For example, a provided billing address is located in Wisconsin, yet the IP address is located to the Ukraine. This could merit further investigation prior to shipment. If necessary, entire regions may be blocked due to high-risk fraudulent activity sourced from IP locations.

Customer Experience

Web pages have 15 seconds to engage a web visitor. This means, your conversion rate and sale hinges on a 15-second first impression. With ecommerce booming on a global scale, opportunities to engage a worldwide audience is an unavoidable endeavor and should be harnessed to the max.

If a customer comes across a web page while residing in Germany and lands on an offer in English with American currency, they may understand the language and may be able to convert the currency, but they may not feel inclined to stay long. Their impression would be that this site was not intended for them. Matching native language and currency to a customer’s geolocation, empowers your global reach.

Knowing what country or region your customer resides can automatically redirect that customer to a page that literally speaks to them, in their language, in their currency and in their style. Directing to a region-specific web or landing page will make a tremendous difference in customer conversion and their impression of your company. Even a small business can benefit tremendously from IP geolocation by presenting a more globally-aware web experience.


Geotargeting refers to using a person’s location to power marketing initiatives and customer conversion. Geotargeting empowers personalized ads, special location merchandising, and engaging a customer on a local level, whether your business is actually local or not.

With IP geolocation, highlighting the nearest physical retail location to a customer has shown to drive more foot traffic to that brick and mortar store. This can be leveraged further by creating in-store offers through your online store to drive more traffic and higher conversions. For companies that carry multiple product lines, basing promotions off of location can also drive higher ROI and conversions. For instance, if you are running a website for a tire company, you would highlight different terrain tires based on different locations. Someone shopping for tires in Alaska, for example, may not be attracted to the same tires as someone shopping in Arizona. Which web page they land on would then be determined by their IP geolocation.

Merchandise, visuals and promotions all work in the same manner. A web page targeting different audiences speaks volumes to web visitors. Powering local offers and community services or announcements, all work to engage your customers and truly make that first impression stick the landing.

The Bottom Line

IP geolocation technology is an inexpensive and widely beneficial tool. It will help flag suspicious buying patterns with location-matching techniques. It will power your global market initiatives by matching language and currency to your customer’s region. It will allow you to personalize your marketing and promotional offers based on location to drive conversion and create loyal customers. IP location technology powers all these initiatives and many more. Read all about Melissa’s Global IP API and call a Melissa specialist at 1-800-MELISSA (635-4772) for a free quote so you can harness the power of IP Geolocation for your business today!

E-Retailers Biggest Mistake – Underestimating Their Data

Melissa Team | Address Validation, Article, Data Quality, Digital Identity Verification, Ecommerce, eIDV, Email Verification, Express Entry, Global Business, Global Data Quality | , , , , , , , , , ,

E-commerce businesses must constantly contend with fraud prevention, customer retention and competitor intervention to stay successful. What if e-retailers already have the tools they need to conquer these challenges at their fingertips? Melissa interviews VP of Marketing, Greg Brown, for his take on how e-retailers can leverage their data for increased ROI, timely deliveries and better customer experiences. He addresses everything from cart abandonment to stolen credit cards in the Q&A – An Executive Conversation published for Internet Retailer. Explore how you can leverage your very own data for more personalized customer experiences, fraud prevention and lead generation.