Documentation

KBA Replacement

KBA-R, or Knowledge-Based Authentication Replacement, is the process of replacing easily accessible knowledge-based answers such as, “What is the color of your car?”, with one strong piece of identity verification such as phone verification or identity document upload.

When to use this policy

Ideal for integrations with low incentive for fraud (e.g., part of the experience has an in-person aspect).

Verification is achieved with one strong piece of evidence - either document or telecom verification.

Who is eligible?

Anyone 18-years or older is eligible to be verified leveraging ID.me’s KBA-R identity verification solution.

Essence of policy

Identity verification based on one (1) strong piece of evidence:

  • Phone Verification

OR

  • Document Authentication

Verification flows

As of November 2023, ID.me has verified the identity of over 51 million pre-verified users with KBA-R or higher. And our network is growing by the tens of thousands daily. Since ID.me takes a network approach, these pre-verified users can now securely access offers, benefits, and services in seconds with just 3-clicks. New users complete verification just as fast, using the least amount of information required to verify their identity.

Here you can find what the KBA-R identity verification user experience looks like today:


Preverified

Once verified, users can log in with their ID.me credential anywhere ID.me is accepted and share their credentials in a matter of seconds.

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Phone Verification

Uses browser-based APIs to measure the tenure of an identity to the phone number as well as contextual, behavioral, and device data to verify users and prevent fraud.

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Driver's License/State ID

Delivers a guided UI instructing users to upload a driver's license or state ID. After image capture, ID.me normalizes the size of the size of the image file, enhances the image, and then authenticates the document.

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Passport

Delivers a guided UI instructing users to upload a passport. After image capture, ID.me normalizes the size of the size of the image file, enhances the image, and then authenticates the document.

Watch demo

Passport Card

Delivers a guided UI instructing users to upload a passport card. After image capture, ID.me normalizes the size of the size of the image file, enhances the image, and then authenticates the document.

Watch demo

Human In The Loop

ID.me has teams of virtual support agents that can activate to backstop automated document authentication to ensure an even smoother user experience while mitigating any potential bias.

Learn more

Use cases

Here you can find example ID.me use cases:


Hotel Check-In - MGM Resorts & Wynn

ID.me currently powers digital identity verification for contactless check-in at two of the top five hotel & resort casino operators in the US, performing millions of ID validations per year for guests arriving from multiple countries.


Age Verification - Pilot

You have a website and would like to offer access to benefits and/or promotions to military and veterans by integrating ID.me to gate access to the landing page with exclusive pricing. Your landing page will be a great way to improve SEO, bring awareness and let users know how to take advantage of the program.


Resident Verification - Torrey Pines

You have a website and would like to offer access to benefits and/or promotions to military and veterans by integrating ID.me to gate access to the landing page with exclusive pricing. Your landing page will be a great way to improve SEO, bring awareness and let users know how to take advantage of the program.


Within Account - Fund The First

You would like to offer your users the ability to complete ID.me’s military and veteran verification to associate their military credential to an existing account within your application. Your users will log into their account and complete verification through ID.me. Once verified, ID.me will provide attributes and unique identifiers that can be ingested to ensure a 1:1 match between a verified user and an account within your application.