Knowledge-based authentication: Difference between revisions

Revision as of 11:01, 21 February 2019

Revision as of 11:02, 21 February 2019

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== Dynamic KBA ==

Dynamic KBA<ref>[https://www.c-zentrix.com/blog/000161549870190284/caller-authentication---what-is-best.]</ref> is a high level of authentication that uses knowledge questions to verify each individual identity but does not require the person to have provided the questions and answers beforehand. Questions are compiled from public and private data such as marketing data, [[credit reports]] or transaction history.

To initiate the process, basic identification factors such as name, address and date of birth must be provided by the consumer and checked with an [[identity verification service]]. After the identity is verified, questions are generated in real time from the data records corresponding to the individual identity provided. Typically, the knowledge needed to answer the questions is not available in a person's wallet (some companies call them "out-of-wallet questions") making it difficult for anyone other than the actual identity owner to know the answer and obtain access to secured information. Generally, the period of time for the person is given to respond to questions and the number of attempts is limited to prevent answers from being researched.

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* [[Identity verification service]]

* [[Out of wallet]]

* [https://www.c-zentrix.com/blog/000161549870190284/caller-authentication---what-is-best. Caller Authentication - Best Practices]

== References ==

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[[Category:Computer network security]]

# [https://www.c-zentrix.com/blog/000161549870190284/caller-authentication---what-is-best. Caller Authentication - Best Practices]