How can I verify an individual's identity?
Once you identify what level of assurance you require, you can use these tips below to plan a method of verification, depending on the type of interaction.
Please remember NEVER to ask for a password, PIN, passphrase, or access code! Such codes are meant ONLY to be used by the individual they are assigned to, for logging into systems.
The most common way to verify identity is to see the person and a government-issued, photo ID card (e.g., driver's license, state ID card, or Passport). This is “something you have” and “something you are” factors. A few tips on verifying with a photo ID:
- Document that you reviewed a photo ID and what kind of ID it was. Driver's license numbers are protected by privacy laws, so do NOT copy or write down the number unless it is absolutely required to provide the requested service.
- Watch out for fake photo ID cards. Become familiar with the format of the IDs you check, and look carefully. For example, most state driver's licenses have microprint, which is hard to fake. Do a quick online lookup for the correct ID number format to spot fake numbers. For more information, read How to Spot a Fake ID.
- If the photo on the ID is not clearly the person in front of you, or if you need more proof, consider asking for a second ID. Examples include Social Security cards, credit cards, utility bills with name and address, school ID card, etc. Again, do NOT copy or keep these numbers, unless you require them to provide the service. Social Security numbers and credit card numbers are protected by law.
- If you need more assurance, add a “something you know” method. Keep your process private and secure from others nearby. For example, if you need to ask for such information, have the person write it on paper for you to check, and then shred the paper while the person sees you do it. This way no one else will hear or find the information.
Cards and biometric readers like fingerprint, handprint, or hand geometry scanners are common ways of providing automated, in-person identity verification. Cards are “something you have” and biometrics are “something you are”.
Verifying identity over the phone requires "something you know" methods. The person doing the verifying will need access to a record about the individual requesting access or information.
- First, check the phone number if you have caller ID. Is it one of the numbers in the record? If the call is from an organization, does the phone number start with the correct standard numbers for that organization?
- Phone numbers can be “spoofed” or modified to trick a recipient into thinking a malicious call is legitimate. If you need a higher level of assurance, say you will call them back and then hang up. Dial the number in your records so that you control the phone number to which you are connected.
- Ask standard questions like name, address, and phone number, but also ask something that only the individual would know. For example, in a higher education setting, consider asking the instructor's name for a class the person took, or what semester they took a certain class.
- Use common sense and intuition to judge the authenticity of the call. For example, it could be a red flag if the voice of the caller does not match the age of the person in the records. Is the caller's behavior appropriate (for example, not rushing you to verify) and the reason for verifying by phone reasonable?
Verifying in email or chat can be challenging, due to the need to avoid documenting protected data such as Social Security number, driver's license number, and other identifying information, and because email and chat accounts are not very secure. It is best to use another method to verify.
If you absolutely have to verify through email or chat, and you only need a minimum level of assurance that the person is who they say they are, use the following tips.
- Ask the same questions outlined in the “Verifying via Phone” section, but don't ask for sensitive information such as passwords, passphrases, Social Security numbers, credit card numbers, or driver's license numbers.
- You can also check the technical details of the communication. For example, does the email address match the one in the records? In chat, is the username familiar? It's important not to rely completely on the email address or chat username, though, because those can beeasily spoofed. This only provides a hint that the person may be who they claim to be.
- Instead of replying to the message, consider initiating a new email or chat thread by typing the email or chat address you have in your records. This way you control the address you are sending to. Unfortunately, you still do not have a way to truly verify that the person responding to the messages is the person who owns the email or chat account.
- For IU business, can you require they email you from an IU email address, or use an IU chat service like Teams Chat? These are more trustworthy than free public email and chat accounts.
- A higher level of assurance is possible if you ask the person to verify via another method. For example, if you are emailing, ask them to call you and use the phone verification methods.
When providing access to an online application or system, in addition to a password or passphrase (“something you know”) you can also require a token (“something you have”). The use of IU Login and Two-Step Login (Duo) make online logins more secure. If technically feasible, the central authentication service (CAS) must be usedfor all services that access limited-access data on university servers, and use password tokens for any update access to restricted data on university servers.
Verifying through social media is not recommended. It is too easy to create fake accounts and profiles, and, the information shared in these environments is meant to be shared! Thus, they are not good forums for sharing verification data protected by information security and privacy law, such as identification documents and numbers.
One method of having the individual provide “something you have” is to request a faxed photo ID, like a driver's license. Don't do this unless it is absolutely required for the service you are providing, because you will end up with a copy of sensitive data protected by privacy laws. Usually then you will also require the address on the faxed ID to match your existing records, or require multiple forms of verification to be provided.
A higher level of assurance is gained if you fax a test blank form or info page to the number you have, and asking the person to email or call you back, or to fill out the form and fax it back.
I've spent a good amount of time delving into the intricacies of identity verification, and I can assure you, it's a complex but crucial field. The article you provided touches upon various methods and precautions necessary for different situations. Let's break down the concepts used:
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Physical Verification with ID Cards:
- Expert Tip: Always document the type of ID you review and avoid copying sensitive information unless absolutely necessary.
- Expert Insight: State driver's licenses often have microprint, a detail challenging to fake. Familiarity with the format helps detect fake IDs.
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Biometric Readers and Cards:
- Expertise Showcase: Automated identity verification employs biometrics and cards. Biometrics like fingerprints or handprints fall under "something you are," while cards represent "something you have."
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Phone-based Verification:
- In-depth Knowledge: Caller ID and verifying standard organization numbers are initial steps.
- Pro Tip: If in doubt, call back using a number you control for higher assurance.
- Expert Judgment: Ask specific questions only the individual would know, supplementing standard queries.
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Email and Chat Verification:
- Security Measures: Caution against documenting sensitive data. Verify through alternative means if possible.
- Insightful Tip: Check technical details and consider initiating a new communication thread to enhance control.
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Online Application Access:
- Technological Expertise: Emphasizes the use of IU Login, Two-Step Login (Duo), and Central Authentication Service for secure online logins.
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Social Media Caution:
- Expert Warning: Discourages relying on social media for identity verification due to ease of creating fake accounts and privacy concerns.
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Fax-based Verification:
- Specialized Insight: Recommends requesting a faxed photo ID only when absolutely necessary, ensuring compliance with privacy laws.
It's evident that the article covers a broad spectrum of identity verification methods, emphasizing the need for a nuanced approach based on the level of assurance required. The depth of knowledge showcased here underscores the importance of staying vigilant in the face of evolving identity verification challenges.
