Instnt provides businesses with a continuous identity assurance solution that verifies transactions from authorized account owners. The automated transaction review dashboard offers tailored information for transaction reviews and enables businesses to file fraud claims, review transactions, and override decisions. For more information on how to file transaction review claims, please refer to the Transaction Review Claims.

How to review transactions

The Transaction Review pane provides a preview of user transactions, showcasing details of all the collected data in each tab and highlighting the attributes that were considered in the final decision-making process.

Getting Started:

1. Sign in to the Instnt dashboard with your credentials.
2. Navigate to the "Transactions" section, where you'll find a list of transactions.
3. Here, you can choose to file claims, override decisions, or review transactions based on Instnt's decision. Please note that these actions are only available for accepted transactions. For additional information, please refer to the Transaction Review Claims.

Viewing Transactions Under Review:

1. To view transactions currently under review, simply toggle the "Review Only" button.

Accessing Transaction Details:

1. For access to transaction details, select a specific transaction, and the "Justification Summary" tab will open in a preview pane by default.

Justification summary

The Justification Summary offers a comprehensive overview of positive, negative, and neutral insights concerning Instnt's decision. It also includes reason codes, providing additional insights into how the user's information was compared to other data. These codes play a significant role in the authentication process for user profiles. Additionally, you can delve deeper into the decision by referencing Reason Code Glossary.

Know your customer (KYC)

KYC provides a comprehensive summary of all the user checks performed and their outcomes, including matches found in various searches, such as Sanctions, Politically Exposed Persons (PEP), Adverse Media, watchlists, Fitness, and Probity. The matches are listed first, followed by bar graphs depicting the correlation strength among different subsets of features. This information is crucial for maintaining compliance with regulatory standards and ensuring that all necessary measures are taken to meet those standards. For more information, refer to Know Your Customer (KYC).

How to view match details

To view detailed information regarding a user's match status, navigate to the KYC tab. This information encompasses critical data points, including "Match Status," "Transaction Status," and Reason Codes. These Reason Codes play a pivotal role in Instnt's KYC decisioning process by aligning with the KYC verdict, delivering clarity and insights into the determinants that affect the final outcome. For an in-depth understanding of these reason codes and their implications, consult the Reason Code Glossary, which provides a comprehensive explanation of the various codes and their significance.

Documents 

The Documents section displays preview images of user-submitted documents, which may have different outcomes, such as being verified, marked as unsupported ID, expired, or requiring recapture. The document submission feature validates documents through material checks and cross-validation of front and back data using OCR and barcode scanning. This documentation is essential for reconstructing the user profile within the fraud detection engine and making informed decisions. For more information, refer to Document Verification.

Devices

The Devices section showcases device information, including device type, browser name and version, operating system, and geolocation data. This information is used to create a device fingerprint that detects any anomalies and helps determine the device's location during the transaction. The combined information is critical in preventing fraudulent and suspicious activities.

Biometrics 

Biometrics capture unique characteristics of an individual, including typing speed, mouse movements, and swipe patterns, during their interactions with your application. By passively analyzing these markers, the feature filters bot behavior, verifies user identity, and distinguishes between genuine users, bots, and fraudsters to prevent fraudulent activities. This feature also enhances the user experience by eliminating the need for additional authentication steps.

Velocity 

Velocity tracks the reuse of identity components, devices, and IP addresses across transactions, helping to detect patterns that indicate coordinated attempts to onboard using compromised or synthetic identities. Instnt's decision engine continuously analyzes these velocity metrics to take appropriate actions to prevent fraudulent activities, ensuring a secure onboarding process and protecting businesses from potential losses due to fraud. For more information, refer to Velocity Checks.

Models 

Models display the aggregate decision and total score to determine risks. The decision status can be Accepted, Rejected, or under Manual Review. Model decision scores range from 0 to 1, with a higher score suggesting a higher likelihood of user fraudulence, while a lower score indicates user legitimacy based on the number of connecting data points analyzed.

Verifications

Once a user completes the onboarding process, and Instnt verifies their Identity/KYC checks, Instnt Verify offers a robust solution to ensure the continuity of user identity and prevent account takeovers. By integrating the Instnt Verify SDK into your application, you gain powerful capabilities to monitor user activity, conduct behavior audits, and track factors such as devices and location. These insights are compared against the baseline established by Instnt Accept, allowing for a comprehensive evaluation.

The Verifications tab provides essential details, including timestamps, identified risks, verification outcomes, and reason codes. If any risks are detected, out-of-band challenges can be issued to reassert the user's identity. This proactive approach enhances security measures and effectively safeguards user accounts.

Review a decision

When a transaction is processed, Instnt's decision review feature provides the option to either review, accept or reject users and transactions. This feature ensures that every transaction is thoroughly evaluated and flagged for review if necessary, helping to prevent fraudulent activities and maintain a secure environment for businesses and users.

Approve a decision

To approve a decision: 

1. Sign in to the Instnt dashboard and go to the "Transactions in Review" status tab.
2. Enter the necessary details related to the approval decision.
3. Click the "Approve" button to accept the applicant or transaction.

Reject a decision 

To reject a decision:

1. Sign in to the Instnt dashboard and go to the "Transactions in Review" status tab.
2. Enter the necessary details related to the rejection decision.
3. Click the "Reject" button to decline the applicant or transaction.

Overwrite a decision 

To overwrite a decision:

1. Sign in to the Instnt dashboard and go to the "Reject" status tab to access the list of transactions.
2. Provide the required details for the overwrite decision, and then click on "Overwrite Decision" to approve the transaction.
3. To finalize the transaction, click on the "Approve" button.

Export a Transaction

To export a transaction: 

1. Sign in to the Instnt dashboard.
2. Navigate to the “Transactions” section.
3. Click the 'Download' button near “Justification Summary”.