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任何机构都希望在申请阶段就将诈骗拒之门外。很多申请反欺 诈模型都可以识别欺诈风险，但大多数模型只采用基于规则的 方法，而没有使用关联分析技术去侦测身份和关系风险。借助 FICO® Identity Resolution Engine，各机构在审批环节即可拒 绝含有身份伪造和盗用的申请，并且不会影响正常申请的审理 速度。