Take the SecureID™ Test

Would your anti-fraud defense
identify these invalid SSNs?

(Click the links below to
see the information available
in SecureID.)

Claimed SSN: 590-98-xxxx
Claimed issued or in use by 1988

Claimed SSN: 106-24-xxxx
Claimed year of birth: 1951

Claimed SSN: 927-42-xxxx

Claimed SSN: 005-94-xxxx
Claimed issued or in use by 1987

Claimed SSN: 041-46-xxxx
Claimed year of birth: 1970

Claimed SSN: 445-52-xxxx
Claimed year of birth: 1968

Claimed SSN: 728-16-xxxx
Claimed issued or in use by 2010

Claimed SSN: 328-03-xxxx
Claimed year of birth: 1959

Claimed SSN: 638-07-xxxx
Claimed issued or in use by 1985

Claimed SSN: 666-13-xxxx

To Catch a Thief: The SecureID™ Solution

Some types of identity theft will only be mitigated by future advancements in information technology. But what about the identity thieves that could be deterred today? The first time the thieves walk in the door?

Based on over twenty years of experience with this method, we have found an effective approach to fraud control is the empowerment of retail channels with an internal, computer-driven validation of Social Security Numbers (SSNs) at account inception.

Validation is the practice of red-flagging SSNs that: 1) have never been issued by the Social Security Administration, or 2) were issued only before the claimed date of birth, or 3) were issued only after a claimant has used the number. Our demographic projections show that SSN validation will remain a remarkably effective method to detect mistaken and fictitious SSNs for the foreseeable future. When birth dates and usage histories are utilized in SSN validation of the first five digits of the SSN, very high levels of detection will continue through 2026, despite the change to randomized assignment of SSNs in 2011.

Compared to biometric based identity checks, there is little that is technologically challenging or expensive about this method. And it can be implemented now. Individual privacy is completely protected because only validation rules - not personal information about living individuals - need be deployed to detect invalid SSNs.

Validating SSNs can also reduce the cost of compliance with IRS regulations requiring matching of taxpayer IDs to claimed identities, without deploying enormous databases entangled in privacy issues. Our validation database is compact, unencrypted, and written in a non-proprietary format. Our customers have typically been able to deploy the database in ready-for-use applications within two weeks of receiving it.

The biggest challenge in validating SSNs at account opening is neither technological nor budgetary. The challenge is requiring front-end retail and back-end IT departments to work together the first time a new customer walks in the door. That is a management decision. Our enterprise system tool for SSN validation is designed to make this change as simple and as painless as it can possibly be.

Test the list at left against your existing security system and if any escape detection, contact Quality Control System's Sales Director, Betsy Love, at True North International, 917-939-9409.

Betsy's email address is:

Link to:

QCS Corp. Home Page

The American Financial
System's Identity Problem

Simulation Studies of Social Security Number Validation

Randomized
Assignment
of Social Security
Numbers

The Death Master File

Risk Management
At Risk

How to Contact Us

SecureID™ is a trademark of Quality Control Systems Corporation.
We are not affiliated in any way with RSA, The Security Division of EMC Corporation.

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