| 主权项 |
1. A computer-implemented method comprising:
receiving a set of identity information associated with a subject; querying one or more databases with at least a portion of the set of identity information; receiving, in response to the querying, personally identifiable information; producing, with one or more computer processors, and based at least in part on the personally identifiable information, at least one knowledge based authentication (KBA) identity proofing question having a personally identifiable correct answer; generating a unique correct one-time pass (OTP) code for the personally identifiable correct answer; generating one or more incorrect answers with corresponding incorrect codes; outputting, via a first communication channel, the at least one KBA identity proofing question; outputting, via a second communication channel, the personally identifiable correct answer with the unique correct OTP code, and the one or more incorrect answers with corresponding incorrect codes; receiving, via the first communication channel, a response code; comparing the response code and the unique correct OTP code; and responsive to a match between the response code and the unique correct OTP code, outputting a first indication of authentication. |
