Worthy correlates device fingerprint, IP, geography, card hash, name and email references, billing address, and phone number across your customer base. The core algorithm pulls every account linked to any matching signal and returns a verdict in real time.
8 Identity Signals
Real time verdict per session
< 100 ms evaluation time
Every authenticated session is scored against these signals. Each one is checked against every other account in your customer base. Matches feed the verdict.
Fingerprint built from browser, OS, screen, fonts, and hardware capabilities.
Origin IP, ASN, datacenter detection, residential proxy classification.
Country, region, city resolved from IP. Cross-checked against billing country.
Tokenized card reference. Matches across accounts surface shared payment instruments.
Exact and approximate matching on legal name. Surfaces spelling variants and order swaps.
Exact and similar email addresses. Detects plus-addressing, dot-tricks, and typo variants.
Street, city, postal code matched with address-normalization for variant spellings.
Normalized to E.164 international format. Matches reveal reused contact endpoints.
When one signal matches,
every linked account surfaces
Worthy does not score accounts in isolation. Each signal on a session is checked across your full customer base. Any account sharing a matching signal is pulled into the evaluation and contributes to the verdict.
LINKED
lacct_4VK8R
2 matching signals
LINKED
acct_2BX6P
1 matching signal
LINKED
acct_9TQ1M
3 matching signals
FLAGGED SESSION
acct_7HQ2N
Active now · New York
SESSION acct_7HQ2N · LINKED ACCOUNT GRAPH
3 LINKED · HIGHLY CONFIDENT
Three accounts share one or more identity signals with the flagged session. Verdict returns highly confident with the full match trace.
Every authenticated session returns a sharing assessment via the API. Read the score, inspect the contributing signals, and take the recommended action.
The object account_sharing summarizes everything Worthy knows about the account.
verdict returns clear, monitor, or highly_confident depending on signal strength.
linked_accounts counts other accounts on the platform that share one or more identity signals.
signals_matched lists each identity signal that matched another account and how many matches were found
recommended_action returns allow, challenge, or terminate.
// GET /v1/accounts/acct_7HQ2N/sharing · RESPONSE
const response = {
account_id: "acct_7HQ2N",
account_sharing: {
verdict:"highly_confident",
linked_accounts: 3,
concurrent_sessions: 4,
distinct_devices: 4,
distinct_geos: 4,
signals_matched :[
{ type: "device_id", matches: 2 },
{ type: "billing_address", matches: 1 },
{ type: "phone_number", matches: 3 },
{ type: "email_similar", matches: 2 }
],
recommended_action: "challenge",
evaluation_ms: 64
}
};
Audit every flagged account with the full signal trace
The Account Sharing dashboard lists every flagged account, ranked by signal match count, with the contributing signals and recommended action visible at a glance. Open any account to inspect its linked-account graph and historical session log.
with the rest of Risk-WorthySharing signals feed the Cross-Merchant Fraud Network, the same accounts feed Autorisk on every charge, and the Customer Vault stores identity references for future evaluation.
Anonymized fraud signals shared across every Worthy merchant in real time.
Identify accounts being used by multiple people across eight identity signals.
Store customer payment methods and risk profiles in a PCI-scoped vault.
Apply for a Worthy account and enable Account Sharing Detection through a single API call. No contracts, no setup fees, no engineering team required. Talk to sales for a custom package or volume pricing.
