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ExpectID IQ

Uses multiple choice questions to determine someone is who they claim to be.

ExpectID Challenge

Additional questions to ask based on how many answers were incorrect with ExpectID IQ.

Home > Solutions Overview > Knowledge Based Authentication

Knowledge Based Authentication

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

Quickly being able to confirm someone is 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 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.

“IDology is the perfect ally in the fight to preserve our customers’ right to privacy and for protection of our bottom line.”

Barbara Klingsberg, Operations/Risk Manager, Odimo Incorporated

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. 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 detection of fraudulent activity
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 questions

Sample Applications:

Account Origination
Account Updates
Password resets
High Risk Transactions
Claims Processing
Fulfill promotional requests