The anti-fraud system on Rental

Warning: activating this service incurs unit billing costs for each customer verification carried out with a third-party provider, Meelo. Please contact your ZIQY representative to find out the call rates.

Available for Pro and Expert plans. Go to the menu Settings - Anti-fraud system Depending on whether your business is Business to Client (B2C) or Business to Business (B2B), you can choose to activate one or the other of the controls: fraud score for individual customers or fraud score for professional customers.

Chapter 1: Identity verification for B2C customers

This is a check on the identity of the individual customer and the accuracy of the information they provide to you. Their last name, first name, phone number, e-mail, address — do all these elements actually exist and are they reliable? Configure the identity score below which registration will be refused. The identity fraud score is a rating out of 100. We recommend a default threshold of 10 (10/100) for this check.

Upon request to your project manager, you can ask to activate a rules engine on the Meelo side in order to refine the identity fraud score results. You can thus choose to reject risky phone operators or risky email domains. Meelo considers certain phone operators (Lycamobile, Lebara, Transatel, and Syma Mobile) as risky due to their overrepresentation in fraud cases. These operators offer prepaid and no-commitment SIM cards, often without strict verification, thus facilitating anonymity and complex user traceability. Similarly, the GMX and Proton messaging services are classified as risky, because they allow the creation of anonymous email addresses and are overrepresented in fraud. Private Apple disposable email addresses are also considered very high risk.

In order to strengthen the identity verification of your individual customers, you can activate the document analysis service. Define the score below which your customer will need to send supporting documents. In the event of receiving an "intermediate" Fraud Score, you can initiate a request to send an identity document for analysis, and thus confirm or eliminate the suspicion of fraud. Example: You have defined a fraud score of 10 and a document analysis score of 40.

• A customer with a score of 8 will be automatically rejected.
• A customer with a score of 25 will need to upload an identity document to confirm their personal information.
• A customer with a score of 80 will be validated and will continue the process without having to provide an identity document. Above the configured intermediate fraud score, your customer's identity is validated without document analysis. NB: your ZIQY representative will need to have your callback URL whitelisted with Meelo beforehand in order for the service to work.

Chapter 2: B2C Open Banking

2° This is a check of your customer's financial capacity to meet the monthly payment of their subscription rental. The customer is invited to grant the third-party verification tool access to their bank account. Depending on the remaining income thresholds and the debt ratio that we will have defined in advance with you, the tool will either validate or reject the rental subscription. Warning, please contact the ZIQY team before activating Open Banking — actions will need to be carried out beforehand on the ZIQY side (retrieval of an API key dedicated to your account and whitelisting of your callback URL). Don't forget to Save your configuration

Chapter 3: B2B customer verification

This is a check on the identity of the professional customer and the accuracy of the information they provide to you. Their last name, first name, professional phone number, professional e-mail, address — do all these elements actually exist and are they reliable? Configure the score below which registration will be rejected for a professional customer. The fraud score is a rating out of 100. We recommend a default threshold of 20 (20/100) for this check.

If you rent to both professional and individual customers, don't forget to configure a custom field "SIREN No." Leave this field as non-mandatory and with the field type "Company SIREN". This way, if the customer fills in this field with a SIREN number on the front end, it will trigger the B2B anti-fraud check; if they do not fill it in, it will trigger the B2C anti-fraud check. You can add a validation rule to the field in order to enforce 9 SIREN characters if you wish to guide the customer.

Chapter 4: The customer journey when the anti-fraud system is activated

We present here the screens of the customer journey on your front-end; it is identical in every respect in the back office. If the customer obtains a score higher than the anti-fraud score you have defined, they continue their journey with full transparency, without encountering any alert message. In the back office, within the customer's account, you will see a green banner indicating that their customer account has obtained a score above the threshold you defined in the fraud score configuration (see Step 14 of this tutorial).

If the customer obtains a score lower than the defined fraud score, the anti-fraud block will be red. The ID Journey displayed in the anti-fraud block is the shared ID with the Meelo provider, used to identify the file with that provider. If you have activated an intermediate threshold for document verification in B2C And if the customer obtains a score lower than the document verification score you have defined: after filling in their personal information, once on the delivery page, the customer is invited to send an identity document for verification.

Identity verification

• If the customer is on your site from a desktop tool (computer), they can continue the procedure on the desktop version.
• In that case, they also receive an SMS allowing them to take a photo of an identity document from their mobile.
• If they are already browsing your site from a mobile, they go directly to the next step of uploading their identity document without receiving an SMS.

Uploading the identity document In all cases, the customer arrives on a new page to upload their identity document. They must click on "capture" then "finish" once the document has been uploaded.

The upload confirmation message After clicking on "finish", the customer will see this message appear.

The message when the customer is validated after document verification If your customer does not meet the fraud score criteria, they will not be able to finalise the rental. Two cases are possible: 1° The anti-fraud score obtained by the customer is below the threshold you have defined. 2° If the uploaded identity document did not allow verification of their identity. Your customer will then see an error message appear.

In the back office, in the customer file, you can see the status of your customer's anti-fraud score. The banner will be green if the file is validated. If document verification is in progress, the banner will be orange. If the score is below the defined threshold, the banner will be red.

Once identity verification is complete, the customer continues their journey through open banking (if activated).

Open banking in B2C

• If the customer is on your site from a desktop tool (computer), they can continue the procedure on the desktop version.
• In that case, they receive an SMS allowing them to connect to their banking application.
• If they are browsing your site from a mobile, they go directly to the next step of connecting to their banking application.

The customer's choice of bank

Connecting to the banking application

Authenticating to the banking application

Analysis of the customer's bank account by the third-party tool

Confirmation of the customer's financial eligibility Once the customer's eligibility is confirmed, they will be able to proceed to the payment step. If the customer does not meet the financial conditions you have required, the customer will be refused the rental subscription and will not be able to go further. You can similarly find the open banking verification status in the customer's account. For example, when open banking has been validated:

You can at any time override the anti-fraud checks for a given customer in their customer file in the back office. No further anti-fraud queries will then take place when the customer subscribes to a rental. Manual validation of a customer can take place at any time, before the first anti-fraud check or during the procedure. Whether or not a scoring response from Meelo has already been received (identity, document verification or open banking), upon clicking on "Force validation", the customer is considered validated by the anti-fraud system on the front and back end. You can also cancel the forced validation of the customer at any time from their customer file in the back office. When subscribing to a rental, the customer will then once again be subject to the anti-fraud verifications you have put in place, or their previously recorded scores where applicable.

Don't forget to customise your anti-fraud messages on the front end if needed, whether for requests or rejections: 1° B2C fraud score rejection 2° B2C document verification rejection 3° B2C OB rejection 4° B2B fraud score rejection