At IDology, we believe knowledge is power. Purchasing power.

Quickly being able to authenticate a customer's identity by confirming they are who they claim to be ultimately leads to faster purchase approvals and quicker revenue for you. The key is to do this without increasing your costs or putting your customer’s identity at risk.

Our automated knowledge-based authentication product, ExpectID IQ identifies in a way that won’t alienate customers. By asking a series of out-of-wallet, multiple choice questions, businesses can confirm that Bill Anderson truly is Bill Anderson, because only he will know the answers. ExpectID IQ is the most flexible and robust identity verification solution in the market for customer-not-present transactions.  Depending on the level of verification you need, ExpectID IQ can be used as a primary means of identity verification or as a step-up authentication method in certain high-risk situations.

“We examined several different ID verification providers.  Ultimately we decided on IDology because they gave us control with the flexibility of their solutions and the ability to select and change the questions we ask based on what our customers were comfortable with and the risk tolerance that we were comfortable with."

David Schwarz, Senior Director of Product Managment and Product Marketing, Obopay

How ExpectID IQ Works:

Derived from information in public data records, ExpectID IQ serves up non-intrusive, intelligent questions relating to that person’s history such as something involving a previous address or an associated person.  More advanced than static knowledge-based authentication questions, commonly referred to as shared secrets,  ExpectID IQ dynamically generates out-of-wallet question sessions based on the defined parameters you establish and does not require you to have an established relationship with the consumer to evaluate the answers. From the number of questions answered correctly businesses can approve the transaction or ask additional challenge questions with ExpectID Challenge.

ExpectID IQ Benefits:

• Drives revenue by improving the rate of transaction approvals
• Decreases costs by reducing the amount of manual intervention needed
• Improves your fraud prevention processes
• Simple integration process that doesn’t require installation or additional hardware
• Provides end-user transparency with flexible control features for the business
• Easily works with other IDology solutions
• Builds customer confidence by identifying someone using non-intrusive, out-of-wallet, questions

Sample Applications:

• Account Origination
• Account Updates
• Password Resets
• High Risk Transactions
• Claims Processing
• Fulfill Promotional Requests
• Step-up Authentication