Leverage identity insight built from billions of proprietary records
Built-in intelligence and proprietary matching algorithms power the InstantID® Q&A question engine, which is designed to develop questions and dynamically adjust question difficulty to a level where only an individual with authentic, personal knowledge could accurately answer. LexID®, our advanced data-linking technology, provides instant access to billions of commercially available and regulated data sources and non-credit content to generate a robust source of questions that are top of mind for your customer. The solution leverages superior linking technology and answers that sophisticated fraudsters cannot easily access. InstantID Q&A delivers real-time Pass/Fail results, intelligent reporting and archiving to support informed decisions and improve customer onboarding efficiency.
Prevent identity theft and strengthen compliance
InstantID Q&A delivers advanced tools to help you comply with Section 326 of the USA PATRIOT Act, the Gramm-Leach-Bliley Act, FFIEC (Federal Financial Institutions Examination Council) multi-factor authentication rules and the Fair and Accurate Credit Transactions (FACT) Act. InstantID Q&A is designed to fit your business policies and identity fraud risk tolerance levels with sophisticated features that enable you to customize scoring parameters and measure risk as questions are asked. Pass/Fail results are delivered in real time via a secure web based portal, XML integration or at the point of sale, enabling you to confirm customer identities at the point of customer contact.
Employ proactive, up-front identity fraud detection
The Identity Event™ module proactively monitors identity intelligence risk levels and enables question types and multiple configuration options to be dynamically adjusted in real time. Using the Identity Event module, the risk associated with an identity can be quantified as part of the existing knowledge based authentication (KBA) transaction and the configuration of questions and risk tolerance can be adjusted to reflect the unique conditions discovered at run time. A Match Summary Report indicates match quality on submitted personal information and flags potential data entry problems.
InstantID® Q&A helps improve your margins by reducing the operational costs of authenticating users and mitigating the cost of exceptions processing and manual processing. Robust reporting features enable your organization to efficiently monitor your identity authentication processes. InstantID Q&A delivers historical reports that can be accessed 24/7 through a self-service function. Detailed transaction reporting includes questions sets, pass/fail rates, users, status, reference number, and time and date. Additionally, LexisNexis® archives all transaction histories.
Implement InstantID Q&A quickly and easily
Built on a universal ASP platform, InstantID Q&A can be deployed fast. There is an easy-to-use web portal with turn-key authentication processing, or the solution can be seamlessly integrated via XML, an advanced web services interface or at the point of sale.
Comprehensive customer service
LexisNexis® support personnel actively monitor verification performance on a client-by-client basis.
Get it now: For more information about LexisNexis® InstantID® Q&A, please call 1-800-953-2877.
InstantID® Q&A does not constitute a "consumer report" as that term is defined in the federal Fair Credit Reporting Act, 15 USC 1681 et seq. (FCRA). Accordingly, InstantID® Q&A may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or another permissible purpose under the FCRA. Due to the nature and origin of public record information, the public records and commercially available data sources used in reports may contain errors.
1. Javelin 2010 Identity Fraud Survey Report, February 2010