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Assess

See the device behind every application.

Every application carries a device, a location, and a behavioral pattern — Smile reads all three in real time to catch emulators, spoofed devices, remote-access tools, and device-reuse fraud rings before they ever reach underwriting.

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Overview

Real-time device intelligence and fraud detection

A stolen identity or a synthetic profile still has to apply from somewhere — a phone, a browser, a network. Device intelligence reads the signals those leave behind: what kind of device is really being used, whether its location is masked, and whether the way someone is typing or tapping looks like a real, first-time applicant or something else entirely.

Smile's device intelligence combines device fingerprinting, location intelligence, behavioral biometrics, and malware and remote-access-tool detection into one real-time signal set. Rather than a single pass/fail check, each application returns a layered read — the device, where it really is, how it's behaving, and whether any of that overlaps with signals already seen on other applications — feeding directly into Smile's Assess stage alongside fraud and risk scoring.

What you get

Features

Device fingerprinting
Device ID, OS, version, model, browser, plugins, screen size, and emulator detection build a signature that persists across sessions.
Location intelligence
VPN, TOR, and proxy detection layered on top of IP and GPS signals surface when an application's real location doesn't match what it claims.
Behavioral biometrics
Gesture, touch, and typing patterns distinguish a genuine first-time applicant from a bot, a script, or a fraudster reusing a known pattern.
Remote-access-tool detection
Flags tools like TeamViewer and AnyDesk running during a session — a common signal in account-takeover and social-engineering scams.
Malware and threat detection
Identifies RATs, cloned devices, and virtual machines associated with automated or coordinated fraud.
Why it matters

Benefits

Catch fraud before underwriting
Device and behavioral signals are scored during the application itself, so risk is flagged before a decision is made — not after a loss occurs.
Detect fraud rings, not just fraudsters
Cross-application device linking surfaces when one device or location is behind many seemingly unrelated applications.
Reduce false positives on genuine applicants
Layered signals — device, location, and behavior together — distinguish real anomalies (a new phone, travel) from actual fraud patterns.
Same profile as identity and income
Device signals feed directly into the same risk profile as identity, income, and fraud scoring, with no separate integration to maintain.
FAQ

Common questions

What is device fingerprinting and how does it detect fraud?

Device fingerprinting builds a unique signature for the phone or browser behind an application — device ID, OS, model, browser, plugins, screen size, and more — so a fraud team can tell whether an applicant is on a genuine device or an emulator, a spoofed device, or one device reused across many 'different' applicants.

Can Smile detect remote-access tools used in account-takeover scams?

Yes. Behavioral biometrics and threat detection flag remote-access tools such as TeamViewer or AnyDesk running during a session — a common pattern in social-engineering scams where a fraudster walks a victim through installing remote-control software and then takes over the session in real time.

How is location intelligence different from just checking an IP address?

Location intelligence goes beyond a raw IP lookup — it detects VPN, TOR, and proxy usage that would otherwise mask an applicant's real location, and combines that with GPS and other location signals to flag mismatches between where an application says it's coming from and where it's actually coming from.

How quickly are device and behavioral signals returned?

Device, location, and behavioral signals are captured and scored in real time during the session itself, so device-level fraud is caught before an application reaches underwriting rather than discovered afterward.

Get connected

Ready to get connected?

Start with one capability or deploy the full lifecycle — Smile plugs into your existing onboarding and underwriting flows either way.

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