DataX.com

Knowledge Based Authentication

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When circumstances and risk warrant added assurance of an individual’s identity, our knowledge-based authentication solution provides optimum protection against identity fraud with real-time decisioning. KBA generates specific queries to the consumer based on “out-of-wallet” information. These interactive challenge-response questions span both credit-related and non-credit-dependent information. They prompt the user for information that only he or she will know precisely identifying the individual. The user’s answers are weighted and scored to produce an authentication decision.

Examples of KBA questions:

What bank holds your car loan?

Who is your mortgage company?

What is the make and model of your vehicle?

What is your spouse’s name?

Flexibility and customization restrict a fraudster’s ability to outsmart the system. With the ability to adjust the question configuration and time limit for answering, you are well positioned to detect fraud and optimize your risk strategy.

For more information please contact us.