Financial institutions access databases of relevant information, including logins, payments, transactions, account openings, and more, to provide an identity check on consumers who attempt to make financial transactions. InAuth provides an identity check on the mobile devices and browsers those consumers use. It makes a “fingerprint” with the aim of turning them into trusted tokens. InAuth creates risk scores, which it delivers to financial institutions with each subsequent visit a consumer makes. Those scores serve as a second line of defense behind username and password. One important...