Composite Identity for High Assurance Remote Identity Proofing

Remote identity proofing is the process of uniquely verifying an individual that is a party to an online transaction. The degree of difficulty is compounded when attempting to authenticate for the first time a previously unknown individual. This presents an enormous challenge to the secure delivery of online commerce and Government services. In Phase I CardSmart Technologies introduced the novel concept of a "Composite Identity Model" which is an identity enrichment process through which multiple identity verification methods are aggregated to exponentially strengthen the confidence and assurance level of the identity. Phase II will build on the momentum and enthusiasm generated by the functional prototype which demonstrated that the strategic combination of multiple non-KBV verification technologies will out perform any single technology. Additionally, the architecture embraces a flexible and decidedly vendor-agnostic approach that encourages state-of-the-art implementations, highly customizable to a specific client or industry, with a competitive pricing structure that greatly increases its commercial appeal. Targeted use cases include: compliance with KYC and AML mandates, C2C marketplaces, Government services and privileged identity management. The Phase II project plan is to: 1. Integrate third party verification services; finalize scoring with enhanced rules engine 2. Complete design and development; test and deliver production-ready version 3. Expand appeal with supporting Web services and APIs for easy integration with other systems; adapt commercial solution to meet DHS or other Government customer requirements 4. Package the solution and launch as a subscription service (includes flexible pricing, building brand awareness, promotion in trade channels)