Lexisnexis Risk Solutions, Inc.

Elina Yaakobovich

Benny Rotem

Tamir Nygate

Bryan Knauss

Certain implementations include systems and methods for improving knowledge-based-authentication (KBA) identity authentication questions. A method is provided that includes receiving a set of identity information associated with a subject; querying one or more databases; receiving personally identifiable information; determining, from the personally identifiable information, at least one subject characteristic; producing, with a predictive model and based on the personally identifiable information and on the at least one subject characteristic, at least one knowledge-based authentication (KBA) identity proofing question having a personally identifiable correct answer; sending, for display on a first computing device associated with the subject, the at least one KBA identity proofing question; receiving, responsive to the sending, a response answer; and responsive to a match between the response answer and the personally identifiable correct answer, sending, for display on the first computing device associated with the subject, a first indication of authentication.

Systems and methods for improving KBA identity authentication questions

Certain implementations include systems and methods for improving knowledge-based-authentication (KBA) identity authentication questions. A method is provided that includes receiving a set of identity information associated with a subject; querying one or more databases; receiving personally identifiable information; determining, from the personally identifiable information, at least one subject characteristic; producing, with a predictive model and based on the personally identifiable information and on the at least one subject characteristic, at least one knowledge based authentication (KBA) identity proofing question having a personally identifiable correct answer; sending, for display on a first computing device associated with the subject, the at least one KBA identity proofing question; receiving, responsive to the sending, a response answer; and responsive to a match between the response answer and the personally identifiable correct answer, sending, for display on the first computing device associated with the subject, a first indication of authentication.

Certain implementations include systems and methods for combined one-time-passcode (OTP) and knowledge-based-authentication (KBA) identity authentication. A method is provided that includes receiving a set of identity information associated with a subject; querying one or more databases; receiving personally identifiable information; producing 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, the at least one KBA identity proofing question; outputting the personally identifiable correct answer with the unique correct OTP code, and the one or more incorrect answers with corresponding incorrect codes; receiving 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.

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Mazkert Batya, Israel

Elina Yaakobovich