IDENTITY VERIFICATION SYSTEMS AND METHODS

摘要

Systems and methods for authenticating the identity of a user prior to giving access to confidential data at a user interface via a network are described. In an exemplary implementation in an Internet environment, a server hosts an application providing selective access by the user to confidential data related to the user. The user provides initial data to the application as part of a request to access the confidential data. At least one database having the confidential data stored therein is accessed by the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface. An exam creation function causes the server to create an exam comprising at least one question based at least in part on a portion of the confidential data relating to the user. This function creates the exam based on at least one exam definition. An exam administration function causes the server to transmit the exam to the client interface for presentation to the user. The user is granted access to the confidential data subsequent to determination that the user successfully passed the exam.

主权项

1. A system for accessing confidential data of a user via a network, the system comprising:
a server hosting an application providing selective access by the user to confidential data related to the user via a client interface, wherein the user provides initial data to the application as part of a request to access the confidential data; at least one database having the confidential data stored therein, the database in communication with the server to allow the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface; and a customer interface configured to enable an entity that manages the confidential data to input a plurality of exam definitions, wherein the application includes an exam creation function that causes the server to create an exam comprising at least one question based at least in part on a portion of the confidential data relating to the user, the exam creation function creating the exam based on the plurality of exam definitions, wherein the application further includes an exam administration function that causes the server to transmit the exam to the client interface for presentation to the user, and wherein the user is granted access to the confidential data subsequent to determination by the application that the user passed the exam.