The 1Kosmos Identity Proofing Advantage
Recognizing the need for accurate identity onboarding and secure access, 1Kosmos has built the BlockID platform to detect synthetic identities and reduce new account fraud. Two categories 1Kosmos can prevent are:
- Manipulated Synthetic Identities
This is when a person slightly modifies real PII, typically their own, to create a new identity, as a means to hide bad credit.
- Manufactured Synthetic Identities
This is when a fraudster steals PII, often sold on the dark web, and combines that PII with other stolen identity data of another individual, or fake PII.
BlockID is certified to the NIST 800-63-3 guidelines and automatically supports remote self-service enrollment to Identity Assurance Level 2 (IAL2) or higher with agent assistance.
BlockID is also a certified AAL2 FIDO2 biometric authenticator and stores customer information in a distributed ledger to W3C DID standards to ensure the very highest level of privacy.
1Kosmos BlockID identity proofing utilizes a user’s driver’s license, passport, or National ID to validate user identity. With the user’s consent, 1Kosmos BlockID then extracts content from the ID and verifies the document’s validity. 1Kosmos BlockID supports document verification for over 205 countries. The extracted data, including the picture, is used to verify the user’s identity and is encrypted with the user’s private key and stored in the 1Kosmos private and permissioned blockchain protecting data and privacy.
Once enrolled, the user can prevent account takeover by using their identity for passwordless access during account login and for transaction approval.
New Customer or Citizen Onboarding
1Kosmos BlockID binds the user to a verified and validated identity.
Our solution provides organizations the ability to complete a mobile-first onboarding journey for workforce, customers, or citizens. Once a user begins their account setup, a process starts to verify the new identity remotely leveraging the #1 algorithm rated by NIST for non-biased decisioning.
Depending on the level of assurance required, the user will be guided to enroll their identity. For those instances where high identity proofing assurance is required, the user must enroll one or more forms of government-issued ID. The captured data is encrypted with the user’s private key and goes through another level of encryption before being stored in the 1Kosmos private and permissioned blockchain.
The process of validating and verifying the identity prevents synthetic ID fraud. At the same time, the user account is generated and enrolled in an enjoyable passwordless experience.
Government Issued IDs
1Kosmos BlockID identity proofing will utilize a user’s driver’s license, passport, or National ID to validate a user’s identity.
With the user’s consent, 1Kosmos BlockID extracts the content from the ID and verifies the document’s validity. 1Kosmos BlockID supports document verification for over 205 countries. The extracted data, including the picture, is used to verify the user’s identity and is encrypted with the user’s private key and stored in the 1Kosmos private and permissioned blockchain protecting the user’s data, privacy and eliminating synthetic ID fraud.
Our identity proofing technology can:
- Read barcodes defined by PDF 417 standard that has data encapsulated in it
- Read the data stored in an MRZ code on both passports and National ID’s
- Read and extract the secure data located in passport RFID chips
- Communicate with issuing authorities to verify data accuracy
- Identify fraudulent IDs during time of capture
As Government-issued IDs are updated, users can delete their expired ID and enroll the new ID.
To validate the driver’s license, the user is instructed to put the ID on a flat surface with a darker background so that 1Kosmos BlockID can easily detect the contrast between the back and front of the driver’s license.
This also helps detect fraudulent documents or documents that are printed on a piece of paper. 1Kosmos BlockID compares the data extracted from the back of the driver’s license PDF 417 with the data captured from the OCR scan of the front to validate the data, and the picture captured is used to validate the LiveID biometric scan.
All of the data is encrypted with the user’s private key and stored in the 1Kosmos private and permissioned blockchain and can be shared at the user’s discretion if requested.
1Kosmos BlockID can verify identity through three areas of the passport to validate the data and document.
First, an OCR scan of the passport data page is done, with all of the information in a human-readable format. Second, 1Kosmos BlockID reads and captures the MRZ code containing an encoded version of the identity data. And Finally, 1Kosmos BlockID can read and compare the data on the NFC chip if the mobile device supports NFC and this level of verification is needed.
These three data points will triangulate all of the identity data that increases the identity assurance level of the user. All of the data is encrypted with the user’s private key and stored in the 1Kosmos private and permissioned blockchain and can be shared at the user’s discretion if requested.
Identity Proofing SDK
Our identity proofing functionality is available through our SDK and is easily integrated into any custom app. So no matter if you are using the BlockID app or a custom integration, you can implement a mobile-first automated identity proofing workflow.
1Kosmos is certified (by the Kantara Initiative) to NIST Identity Assurance Level 2 and compliant with Identity Assurance 3, as per the NIST 800-63-3 digital identity guidelines.