Assurance Levels (AL)
A measure applied to every token, representing how strongly connected an individual is with a cryptographic key. The Assurance Level is presented as an integer between -1 and 3. -1 represents a revoked token, whereas 3 is highly accurate. In documentation, Assurance Levels are often denoted as: AL-1, AL0, AL1, AL2, AL3.
An example of a question we can answer right now: is this the customer’s primary phone number?
Biometric sensors
Biometrics are the biological measurements or physical characteristics that can be used to identify individuals. Biometric sensors are the hardware that can capture and report on these measurements or characteristics.
Cryptographic Key
A cryptographic key is a string of characters used within an algorithm for altering data so that it appears random. Like a physical key, it locks (encrypts) data so that only someone with the right key can unlock (decrypt) it. The K or Ki key stored on a SIM card is one example of a key, the private key stored on the phone of a FIDO key/pair is another example.
Cryptographic keys are powerful because their authenticity can be confirmed remotely and quickly.
Data Partner
A data partner is a company that processes and stores consumer data. Prove accesses this data to enrich its algorithms like Trust Score® and Assurance Level. An example of a data partner would be a credit reporting agency/bureau, which Prove uses to access the underlying data required to perform a Prove Pre-Fill® transaction.
Over time, as our tokens are proven to be better sources of identity for most use cases, the need to source the underlying PII from our data partners will reduce.
In building PIN without the underlying PII, we avoid creating a honeypot of data for hackers.
Data Partner ID
The unique ID created at a Data Partner to represent a single consumer profile.
Device Binding
Binding is a process whereby our reusable identity tokens are securely associated with and stored on a physical device. Think about when you log in to your banking app and then enable FaceID for login, this is a binding process, of your bank account and the device.
Entity Resolution
The process of taking a disparate set of data points (such as PII) and using rules and logic to determine which groups of data points represent a single individual. We use our data partners to perform this process, storing their own output ID.
FIDO Key
Fast IDentity Online (FIDO) refers to a set of open authentication standards that enable a service provider to implement passwordless authentication. FIDO2 is the latest version of the standard.
First Look
Authentication will eventually proceed login, sign-up and settlement. Relying Parties of the Prove platform have the opportunity to offer service (or financing) first using our authenticated identity tokens.
Gait
An individual’s manner of walking can be described as their “gait”. Prove can use proprietary machine learning algorithms with the motion signals available from your phone to offer authentication that doesn’t require any explicit user action, with comparable biometric strength to an individual's fingerprint.
Identity Graph
A database that creates linkages between all attributes that are associated with an individual.
Usage: Prove’s identity graph (which we call PIN) drives iteratively better answers to who is represented by our reusable identities driven by signals such as phone number, IP and email address usage.
Each of Prove’s solutions are already driven by the data in PIN and as PIN evolves our solutions will become even more intelligent and powerful.
Issuing Source
The foundational provider of an identity. Prove is an issuing source of the Prove Token much like the DMV is the issuing source for a driver's license in the US. Much like the DMV will carry identity proofing before issuing a driver’s license, Prove also performs this process prior to issuance.
Line Types
Phone numbers are attached to devices; if you dial an active phone number a device somewhere will ring! There are various types of devices, the most common being a mobile phone, but there are others such as landlines (devices that are physically connected to the telephone network using copper wires) and Voice Over IP/VoIP (Google Voice or Skype are both vendors of these line types).
Machine Learning
Machine learning is the study of computer algorithms that can improve automatically through experience and by the use of data.
National ID
A unique ID issued to an individual by a governing authority (the ‘issuing source’) for the purposes of work, taxation, government benefits, health care, and other governmentally-related functions. An example of a National ID in the United States of America is the Social Security Number (SSN).
Phone Number
Phone numbers provide a rich source of information about a consumer’s identity. The tenure of a phone line, event history, frequency of usage, location, and usage behavior provides comprehensive insights into the consumer’s digital footprint. Since these signals are generated over a long period, they lend credibility to a consumer’s identity. Attributes associated with the phone number can then be paired with device information and data from other authoritative sources to enhance the efficacy and accuracy of identity verification and authentication.
PII
Personally Identifiable Information refers generally to any data that can be used to identify an individual. This typically includes names, addresses, national IDs but different jurisdictions define this in different ways.
Privacy Preserving
When systems and processes are privacy preserving, they are designed in a way that shares only specific user-approved data to known relying parties.
Prove Identity® ID
Prove’s unique ID to represent a single consumer. Each Prove Identity® ID links to one or more Data Partner IDs. Storing more than one source of Data Partner ID for each persona ID gives our data graph resiliency as well as the ability to onboard new customers using their preferred vendor ID without sharing PII.
Proven Tenure
The amount of time since a Prove Token first reached AL2+. A token that has a longer Proven Tenure is less likely to be associated with a synthetic identity.
Prove Token
The Prove Token (or simply Token for short) is a tokenized identity credential representing a single consumer and presented using a cryptographic key (i.e. a SIM card). All data in the Prove Identity Network is related to a token.
Relying Party
An entity that relies on the validity of an issued identity credential. Prove customers are our relying parties.
Reusable Identity
Providing consumers with data mobility and control of their digital identity requires the creation and use of a single immutable token that is accepted wherever a user interacts digitally; this is a reusable identity.
The Prove Token is our reusable identity.
Risk-Based Authentication (RBA)
Risk-based Authentication is a method of applying varying levels of stringency to authentication processes based on the likelihood that access to a given system could result in its being compromised. As the level of risk increases, the authentication process becomes more comprehensive and restrictive.
SIM Card
A SIM (Subscriber Identity Module) card is a small physical card containing an integrated circuit that is issued by a mobile network operator and placed in a cell phone by the consumer. The purpose of the SIM is to identify the specific phone subscriber on the cellular network, allowing a user to receive phone calls and SMS. eSIMs are non-physical versions of SIM cards that can be downloaded to a device over-the-air.
Because every SIM/eSIM maintains a cryptographically secure connection to the issuing source (the MNO), they can serve as a powerful source-of-truth during the authentication process.
Tokenization
Tokenization is the process of replacing sensitive data with unique identification symbols that retain all the critical information about the data without compromising its security. The vital part of this process is its ability to make any important data unreachable by use of the token alone.
Central to PIN is our persistent consumer identity token called the Prove Token.
Trust Score®
Scorecard that measures the trustworthiness of a phone number utilizing velocity, tenure, and behavioral risk in the range of 0 to 1000. Trust Score® is offered as part of the Prove Identity® solution.
Trust Score+
Where available, Trust Score+ builds upon Trust Score®, incorporating additional signals such as SIM swap to evaluate the trustworthiness of the phone number.
Verified Attributes
Valuable attributes that Prove has verified are associated with the token based reusable identity (e.g. date of birth, email etc.). For example, once a token has been identified Prove can fetch a verified Vantage score for the individual.
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