ID&V General Purpose
The purpose of ID&V is to help users prove their identity when registering to a service provided by a Relying Party.
To establish that identity, ID&V provides the identity of the user and a Level of Assurance as an output.
The Level Of Assurance (LOA) is a scale of confidence that the Relying Party uses to measure the risk of being the target of a fraudster and to adjust the service granted to the user accordingly.
The LOA reached by the identity depends on the data provided by the user, called EVIDENCE and the different VERIFICATION METHODS performed by the service.
The example below shows how a Passport, a Driving license and a portrait provided by the user are verified with different methods and contribute to the Identity LOA.
How to interpret the LOA
The higher the LOA, the more reliable and secure is the identity.
LoA 0 to be considered as self-asserted without assurance of accuracy, corresponding to the actual user, or even exists.
LoA 1 reduces the risk of being the target of synthetic identities.
LoA 2 reduces the risk of being the target of basic document forgery, or fraudsters with a good knowledge of the person they try to steal the identity from.
LoA 3 reduces the risk of being the target of more advanced document forgery.
LoA4 and up, reduces the risk of being the target of sophisticated frauds that would require substantial time and money investment to be achieved.
For more detail on LOA, refer to Level Of Assurance.
The different pieces of Evidence are processed using various verification methods to create a digital identity of the user. Evidence processing leads to two major outputs:
- the Evidence Status: that indicates whether the evidence has been verified or not, or is considered as invalid For more detail on Evidence Status, refer to Evidence Verification Results.
- the Evidence Score: if an evidence is verified (status
VERIFIED), the score indicates how reliable this verification can be For more detail on Evidence Scoring rules, refer to Evidence Scoring Rules.