What is Identity Authentication?

In November 26, 2015

When it comes to cyber safety there are a number of ways businesses work to protect your information and keep others from gaining unauthorized access. One of those ways is by implementing and following proper identity authentication procedures. These steps are used to ensure that only the proper person is viewing their personal data and no one else. There are many ways that businesses go about creating secure and effective authentication processes.

One of the most simple ways companies are able to authenticate someone’s identity is through setting up an account which requires a unique username and password. The more characters your password requires, the harder it is for anyone to guess it or hack it. For much more personal and sensitive information such as financial accounts or records, companies often use knowledge based authentication or KBA systems. This requires users to answer security questions that only they would know the answer to in order to login to an account with personal or financial information. For even more sensitive information more advance options include voice detection, retina scans, and fingerprint scans. If someone tries to login to an account of yours and cannot pass these authentication steps, chances are your account will be locked, put on hold, or even closed to avoid any risk of your information getting into the wrong hands.

While these steps are in place to make sure no one can get through to your account, what do you do if someone still manages to get into it? You may be wondering how this could be possible however, a disgruntled employee or spouse could have the potential answers to pass the identity authentication. If someone has hacked into your account, you should contact the company immediately to stop any further damage or spread of information. Many businesses have a fraud center that you can contact for this exact reason. They will be able to help you solve any and all problems with questionably activity on your account. When you call to get help, be prepared for the agent to ask you to verify your identity, They may need to know an account number, birth date, Social Security number, or address to complete this process before they can help you.

Always be sure that your security questions and answers are not easy to guess. This can help prevent someone from getting a lucky guess and breaking into your accounts. Also always check the company’s privacy policy to be sure that they and any of their vendors are not selling any personal data such as emails, addresses, or phone numbers to other third parties.

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