LexisNexis® InstantID® Q&A

When it comes to accurate identity authentication, asking
the right questions can rival getting the right answers.
LexisNexis InstantID Q&A

Identity Verification
Risk Solutions
Identity Verification & Authentication
Knowledge-based authentication
enables smarter real-time
identity confirmation
Expand customer touch points while mitigating
identity fraud: Balancing the efficiencies gained from
using remote service channels with the growing identity
threats from increased social networking and more
sophisticated fraudsters demands advanced tools to
protect your organization, prevent and detect identity
theft and remain compliant.
Confirm identities on the spot in real time: You can
meet these challenges with LexisNexis InstantID
Q&A. InstantID Q&A confirms a consumers identity
in seconds and gives your business an easy, real-time
way to fight identity fraud at multiple points of
customercontact.
C
ustomize the solution for your business requirements:
Built-in intelligence and proprietary matching algorithms
power the InstantID Q&A question engine which
dynamically develops multiple answers to personal
questions at various knowledge levels. Its easy to adapt
the process to your policies, measure risk as questions
are asked and configure scoring parameters and
escalation procedures to fit your business requirements.
Protect against identity fraud by leveraging billions

of public records: Sophisticated analytics build a
comprehensive knowledge profile that guides the
consumer through an intuitive and unobtrusive Q&A
process. Our advanced data-linking technology
combines instant access to billions of public records
with non-credit data to generate reports and provide
a robust source of questions that are top of mind for
your customer and answers that utilize unique identity
information that even sophisticated fraudsters cannot
easily access.
InstantID Q&A Benefits You

and Your Customers
Create a stronger customer experience and establish a
trusted relationship quickly.
Increase revenue with faster on boarding of new accounts
and quicker processing support for repeat activities.
Reduce losses from fraud with enhanced
userauthentication.
Improve your margins by reducing operational costs of
authenticating users; including the costs of exceptions
processing and manual processing.
Improve approval rates of originations across multiple
channels while minimizing lost revenues from high
abandonment rates.
Customize scoring parameters and escalation
procedures depending on risk tolerance.
Get Pass/Fail results in real time, integrate via XML APIs
through a secure web-based portal, and at point of sale.
Take Identity Authentication to the Next Level
John M. Sample* is opening a

new account. He incorrectly
answers two of three
authentication questions.
But additional InstantID
Q&A questions confirm his
identity. As a result, he can
proceed with his application.
*Name is fictional and is used for example only.
Step 1:
Identification data entered
Many applications. One solution.

Your organization can rely on InstantID Q&A to help:
Protect your organization from identity fraud in
connection with account openings and updates, instant
credit applications, money transfers, retail purchases
and changes in payment methods or change events.
Authenticate the identity of consumersreducing your
risk of identity theft losseswhile helping to protect
your customers.
Comply with Section 326 of the USA PATRIOT Act, the
Gramm-Leach-Bliley Act, multi-factor authentication
rules and the Fair and Accurate Credit Transactions
(FACT) Act.
Employ proactive, up-front fraud detection

The Identity Event module proactively monitors
risk levels and enables question types and multiple
configuration options to be dynamically adjusted in real
time. A Match Summary Report indicates match quality
on submitted personal information and flags potential
data entry problems.
Implement InstantID Q&A quickly and easily

Built on a universal ASP platform, InstantID Q&A can
be deployed very quickly. There is an easy-to-use web
portal with turn key authentication processing, or the
solution can be seamlessly integrated via XML or an
advanced web services interface.
Improve service to customers from remote service

channels such as point of service, online account
management and call centers while fighting fraud at the
point of customer contact.
LexisNexis InstantID and LexisNexis InstantID Q&A are the
only verification and validation solutions endorsed by the
American Bankers Association.
Step 2:
Step 3:
Authentication questions posed and answered
Instant results returned
Quick, easy knowledge-based authentication

takes the subjectivity out of decisioning and
increases efficiency.
The clear path to identity authentication

InstantID Q&A provides your customers and prospects
with pleasant, efficient and secure interactions with
your business, while providing you with fast, reliable
and automated identity authentication and fraud
management. It can also help you increase approval
rates and revenues, reduce operational costs and remain
compliant with expanding due diligence regulations.
Who Uses InstantID Q&A?
For more information:

Call 866.858.7246 or visit
lexisnexis.com/risk/solutions/instantidqa.aspx
About LexisNexis Risk Solutions
LexisNexis Risk Solutions is a leader in providing essential
information that helps customers across industries and
government predict, assess and manage risk. Combining
cutting-edge technology, unique data and advanced analytics,
Risk Solutions provides products and services that address
evolving client needs in the risk sector while upholding the highest
standards of security and privacy. LexisNexis Risk Solutions is
part of Reed Elsevier, a leading global provider of professional
information solutions across a number of sectors.
3 of the top 10 retailers

24 of the top 25 financial institutions
4 of the largest telecommunications companies
The LexisNexis InstantID Q&A services are not provided by consumer reporting agencies, as that term is defined in the Fair Credit Reporting Act (15 U.S.C. 1681, et
seq.) (FCRA) and do not constitute consumer reports, as that term is defined in the FCRA. Accordingly, the LexisNexis InstantID Q&A service may not be used in
whole or in part as a factor in determining eligibility for credit, insurance, employment or another purpose in connection with which a consumer report may be used
under the FCRA. Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain
errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service
aggregates and reports data, as provided by the public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive
compilation of the data. Before relying on any data, it should be independently verified. LexisNexis and the Knowledge Burst logo are registered trademarks of Reed
Elsevier Properties Inc., used under license. InstantID is a registered trademark of LexisNexis Risk Solutions FL Inc. Other products and services may be trademarks or
registered trademarks of their respective companies. Copyright 2013 LexisNexis. All rights reserved. NXR00895-5 0713

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When it comes to accurate identity authentication, asking

the right questions can rival getting the right answers.