Affirmation techniques

Overview

Identity affirmation is a data-centric method that collects information from a customer and matches it against reputable sources. These affirmation techniques provide different levels of assurance which you can select or layer according to your needs and risk tolerance.

Phone number risk evaluation

Phone number risk evaluation allows you to choose which phone number types to allow when performing identity verification. You can prevent the use of certain phone number types such as non-fixed VoIP numbers which are disposable and may indicate the person signing up is not genuine. In this case you can choose to fail the process to prevent risky phone information from being used to affirm an identity.

Phone-based verification

Phone-based identity verification affirms a customer's identity by matching the personal information provided by the customer against their phone carrier records. You can choose which fields to use for verification, match threshold information for each field, how many fields must pass, and select fields that must match for a successful verification.

Knowledge-based (KBV) verification

Knowledge-based verification affirms an identity by asking for information only the true owner of the identity should know. This works by sending customer-provided information, such as name, address, phone number, etc., to a third-party credit bureau. The credit bureau returns a series of questions that must be answered correctly in order to affirm the person's identity.

The number of questions and the failure thresholds are defined during vendor onboarding. Work with your Strivacity customer success representative to determine what works best for your organization.