Systems and methods for multi-stage identity authentication

摘要

Certain implementations of the disclosed technology may include systems and methods for multi-stage identity authentication. A method is provided that includes receiving a set of identity information associated with a subject and querying one or more public or private databases with at least a portion of the set of identity information. The method includes receiving independent information responsive to the querying. The method includes determining zero or more first indicators of fraud risk and producing one or more identity proofing queries derived from the independent information. Based at least in part on a comparison of the one or more proofing queries and a query response, the method includes determining zero or more second indicators of fraud risk and evaluating a fraud score. Responsive to evaluating the fraud score, the method includes initiating one or more of authentication enrollment and multi-factor authentication of the subject.

主权项

1. A computer-implemented method comprising:
receiving a set of identity information supplied by a subject; querying one or more public or private databases with at least a portion of the set of identity information; receiving, in response to the querying, independent information, wherein the independent information is not received from the subject; responsive to receiving the independent information, producing, with one or more computer processors, one or more identity proofing queries, wherein at least a portion of the one or more identity proofing queries is based on identity information derived from the independent information; receiving, in response to sending the one or more identity proofing queries, at least one query response; comparing with the one or more computer processors, the one or more proofing queries and the at least one query response; determining, by querying one or more watchlists with a combination of the identity information and the received independent information, whether the combination matches information in the one or more watchlists; and initiating, based at least in part on the comparing and the determining, one or more of authentication enrollment of the subject and multi-factor authentication of the subject.