RSA Identity Verification

White Paper

Learn how RSA Identity Verification is being used within the Call Center without impacting average handling time.

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Powered by knowledge-based authentication (KBA), RSA Identity Verification can be used to assure the identities and transactions of online users or callers into a Call Center.

RSA® Identity Verification presents a user with a series of top-of-mind questions utilizing relevant facts on the individual. The questions are developed from information that is obtained by scanning dozens of public records and commercially available databases, and the answer choices presented are unique to each individual. This combination greatly reduces the ability for someone other than the genuine user to provide correct responses.

RSA Identity Verification also provides improved accuracy in authenticating users by measuring the level of risk associated with an identity. The system can be configured to address high-risk identities or transactions by adjusting the difficulty of the questions during the authentication process. Some identity events that are measured include:

• Public record searches. Suspicious access to a user's public record reports.
• Identity velocity. A high volume of activity associated with an individual at several businesses.
• IP velocity. Multiple authentication requests generated from the same IP (often a strong indicator of fraud)

RSA Identity Verification offers several key benefits:

• Real-time authentication. The identity verification process is conducted in real-time and a simple "pass/fail" result is delivered instantly.
• No prior relationship required. Even if an organization has no prior relationship with a user, questions can be developed and an individual located by submitting the most basic information.
• Works across multiple channels. RSA Identity Verification can be deployed online, within the Call Center and at Point-of-Sale (POS) terminals.
• Reduces false failure rate. Intelligent fact ranking algorithms help legitimate users from failing the authentication process due to faulty memory or inconsistent data.