Identity verification refers to the process of ascertaining that an individual claiming their identity corresponds with real people in real life. It forms part of digital authentication and includes various security requirements to reduce risks related to data breaches. At HYPR Affirm we offer comprehensive identity verification solutions which help organizations balance business goals with security requirements by replacing outdated password-based authentication methods with robust one-time codes that safeguard business interests as well as reduce breaches.
IAL3 identity proofing
NIST Identity Proofing Standards provide organizations with an effective tool for combatting fraud losses, from verifying applicants to authenticating credentials and federated identities and protecting against man-in-the-middle attacks; in addition, these standards help minimize security breaches during crucial career milestones.
At its highest level, NIST identity proofing level IAL3 requires on-site attendance with a representative, followed by evidence validation. While more costly and time consuming than other levels, this process provides absolute assurance that an individual is who they say they are.
TrustSwiftly's IAL3 compliant solution leverages remote but supervised tele-verification processes such as video streaming, facial recognition with liveness detection, document authentication methods and document authentication methods to provide your customers with a robust verification experience. This enables you to meet NIST IAL3 guidelines while also lowering cyber liability insurance premiums while improving customer experiences while mitigating high compliance costs associated with Know Your Customer (KYC) and Anti Money Laundering (AML).
IAL3 compliant solution
TrustSwiftly, a passwordless authentication and identity verification solution certified by FIDO Alliance, helps organizations comply with NIST IAL3 guidelines by offering remote yet supervised identity proofing process that includes document verification, biometric comparisons with liveness detection capabilities, cryptographic authentication to prevent phishing and man-in-the-middle attacks, as well as cryptographic authentication to prevent phishing attacks and more.
IAL3 provides the highest assurance that a claimed digital identity exists in reality. This level requires direct observation during identity proofing sessions attended on-site, rigorous evidence validation, and biometric comparability with claimed digital identities to avoid impersonation and fraud.
IAL3 identity proofing was traditionally burdensome to both governments and citizens, yet recent technology innovations are making the process less arduous and inconvenient for everyone involved. Mobile proofing kits and kiosks now enable governments to deploy high-assurance credentials without an agent on-site; and robust and secure supervised remote identity proofing (SRIP) offers a highly automated alternative to in-person sessions.
NIST IAL3 verification
NIST IAL3 provides the highest level of identity proofing, requiring personal verification by an agent. It is more secure, risk-based identity process than its predecessor IAL2, with more expensive deployment. However, its high assurance process helps protect against identity theft and fraud as well as man-in-the-middle attacks by mandating strong cryptographic authentication.
NIST IAL3 guidance introduces modern requirements for federated identities, including more granular assurance levels and phishing-resistant authenticators like FIDO passkeys. Furthermore, subscriber wallets and verifiable credentials will now formally become part of the federation model.
TrustSwiftly's scalable, remote IAL3 enrollment verification solution enables organizations to meet NIST 800-63A IAL3 guidelines easily without needing in-person attendance or expensive identity proofing processes. This enables them to cut costs while improving customer experiences while meeting IAL3 requirements more easily. Their FIDO certified passwordless authentication and identity verification solution includes document verification, biometric comparison with liveness detection capabilities and cryptographic authentication for increased phishing resistance as well as man-in-the-middle protection capabilities.
NIST IAL3 verification
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NIST IAL3 verification process verifies an individual's claimed identity and ensures they are the true owner of any evidence provided. This level of verification is an essential requirement for electronic title transfers to ensure an accurate transfer between seller and buyer before ownership changes hands; additionally it supports regulatory compliance requirements for auto loan processes.
NIST defines three levels of assurance, from low to high: IAL1, IAL2 and IAL3. Of these levels of assurance, only the latter requires in-person identification with verified biometrics and physical or visual comparison against identity evidence deemed as being strongest; additionally it needs tamper-evident audit trails compliant with federal regulations for verification methods used during inductions.
TrustSwiftly is a comprehensive ID&V solution, specifically tailored for workforce NIST IAL3 verification throughout an employee's entire employee lifecycle, meeting all of the IAL3 requirements defined by NIST 800-63-3. HYPR Affirm utilizes chat, video, facial recognition with liveness detection, document authentication and step-up reproofing based on risk to provide continuous identity assurance beyond one single point-in-time check.