Fourthline’s Location products help fight fraud by verifying a client's actual physical location and home address.

We offer the following:

Product	Description
Digital Proof of Address	We check if the geolocation and metadata of the client’s device are valid, authentic, and uncompromised, and then compare them to the home address provided by the client.
Physical Proof of Address	We check that the home address provided by the client matches an uploaded official document stating their address, e.g. a utility bill, tax document.
Geolocation	We check if the geolocation of the client’s device is valid, authentic, and not in a prohibited country.

Note

The Wwft and De Nederlandsche Bank guidelines allow us to obtain and store the client’s geolocation, but we protect their privacy by only accessing their geolocation once. We don't continue to track them.

Digital Proof of Address

We ask the client's permission to access their geolocation and device metadata. If they don't give permission, they can't continue. If their GPS isn't working, they need to try again later.

Client gives Fourthline permission to access their geolocation — Digital Proof of Address

Fourthline checks if the geolocation and metadata are valid, authentic, and uncompromised, and then performs the following checks:

Check	Description	Required
Self-capture	The client gave permission to share their geolocation themselves and the geolocation comes from the device being used, not from any other source.
Geolocation	The device's geolocation and IP address are valid.
Metadata	The device language, region, model, and the country code of the phone number are present and sufficiently complete. We compare this metadata to the IP address and geolocation to conclusively determine the client's current location.
Address	The client's home address is valid and complete, including the street name, number, postal code, city and country. We also check that it isn't a PO box address.
Residential area	The home address is in a residential area, not an industrial site.
Fraud hot spot	The home address isn't close to a place we know to be associated with financial crime. Human agents investigate any nearby fraud hot spots.
Prohibited country	The home address and the metadata aren't located in a prohibited country.
Supported location	The home address is in a country you support.

Physical Proof of Address

The client provides a photo of an official document (or uploads a file) stating their address and we check that it matches the home address they provided. The address from the official document is included in the CDD Report.

This module helps prevent fraud and detect potential inconsistencies that increase risk. For example, a client could submit an official document with an address in a supported country, but their geolocation shows they are in a sanctioned country.

Clients can provide the following types of document:

Document type	Issued within
Government benefit statements	Last 12 months
Housing contracts	N/A
Insurance statements, e.g. health, home, life insurance (non-temporary)	Last 12 months
Invoices	Last 12 months
Tax returns	Current fiscal year
Utility bills (including phone bills)	Last 90 days

Fourthline extracts the following data from the document:

Document type and any sub-type
Issue date
Validity in days, based on the document type
Client's name
Client's home address

We then perform the following checks:

Check	Description	Required
Self-capture	The client either took a photo of the official document themselves or uploaded a screenshot of it from the gallery or photo roll of the device being used.
Required data	The official document clearly states the client’s name, home address, the date, and the service provider, e.g. water provider.
Address match	The home address provided by the client matches the address on the official document.
Name match	The client's name on the official document matches their ID document.

Geolocation

Fourthline checks that geolocation data from the following modules are valid, authentic, and not in a prohibited country:

Module	Data	Required
Digital Proof of Address	Device metadata and geolocation
Document	ID document photo(s) and video geolocation
Biometrics	Selfie photo and video geolocation

Fourthline collates your required geolocation data group and then performs the following checks:

Check	Description	Required
Self-capture	The client gave permission to share each geolocation data group themselves and the geolocation comes from the device being used, not any other source.
Data validity	All your required geolocation data groups are present and valid.
Prohibited country	No geolocation data point is in a prohibited country. Fourthline human agents investigate any data point outside of Europe.

More information

For the complete list of supported countries and territories and all checks we perform, request our CDD Policy from your implementation manager.
The list of prohibited countries may change over time, e.g. depending on European sanctions.

Next steps

Learn how to combine our Location products in your Identity Verification solution.

Get in touch

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