Incognia Fraud Prevention is a device recognition and identity verification platform designed to detect and prevent mobile fraud without introducing user friction. It uses an AI-driven, model-based approach to device intelligence that identifies users with claimed 99.9% accuracy by analyzing device signals and location data. The platform addresses several fraud vectors: - New account fraud: Cross-references real-time location with home address to detect identity fraud and fake account creation - Account takeover: Validates whether a device and its location match the device on record for a given account - Fake account detection: Identifies emulators, app tampering, and suspicious device behavior to prevent scams and social engineering - Payment fraud and chargeback abuse: Tracks in-app journeys of bad actors to detect promo abuse and fraudulent transactions Risk signals surfaced by the platform include trusted vs. untrusted locations, known vs. unknown devices, emulator detection, and app tampering detection. The underlying model evolves as the user population changes, enabling the device intelligence layer to remain stable while adapting to new fraud patterns. The product is delivered as an SDK integrated into mobile applications and is primarily used in fintech, food delivery, ride-hailing, and gig economy verticals.