利用身份验证更快地交付福利

In today’s world, in which efficiency and security areparamount, government agencies are tasked with deliveringbenefits swiftly while ensuring robust fraud prevention. Yet,making sure the correct individuals are receiving the benefits This white paper looks at how a comprehensive identity verification strategy can enhancetrust and client experience while expediting the delivery of benefits, and how the potentialadoption of advanced screening tools can be useful with various levels of uptake: fully The importance of identityPart one Identity verification is essential to disburse benefits to the rightful recipients. Agencies canmitigate fraud and streamline the application process by verifying various identity facets,such as knowledge-based information and physical identity documents. This section will Government agencies provide benefits and services to people who apply for them ina variety of ways: in person, by mail, and increasingly, by filling out applications via anaccount-based portal online. Identity verification, in this case, centers on knowing thatthe person who applies is the person (or a trusted helper) who is seeking to qualify for Not surprisingly, this process made the detection of fraud attempts or misuse of identitycredentials much more painstaking and rife with error — often any fraud attempt could notbe detected until a later stage of processing. However, today’s identity screening tools, if Consider the example of the Supplemental Nutrition Assistance Program (SNAP),previously known as the Food Stamp Program. Every U.S. state now delivers SNAP benefits States and some localities do intake of new applicants in a variety of ways, althoughthere are three typical methods of submitting a SNAP application: fully on a digitalplatform, a paper application filled out in person or by mail, or a mixed process in whichan initial application might be made online and then identity documents presented later Let’s delve into each of these methods more fully. Digital applications Digital applications for benefits can be reviewed in three phases. In Phase 1, the agencymust figure out whether a human or a bot submitted the application. It’s here where newerscreening tools are vital to the basic functioning of a modern electronic filing or intakesystem, as digital platforms have essentially created a new form of agency-level risk, evenwhile they provide a much more efficient processing method overall.New account fraud All other applications then move forward to Phase 2. Here, the submitted informationmust be verified. First and foremost, does the applicant exist? That is, can their identitybe located in existing databases using traditional identify markers such as social securitynumbers, addresses, or driver’s licenses? If their identity cannot be thus verified, the Caution in these early phases is warranted. If not well-categorized, initial screeningrejections in Phase 1 might also contain applications that fall short of validation checksfor non-fraudulent reasons. These aren’t artificial identifies in origin, but it may be thatthe applications are incomplete, or do not conform to predefined expected responsesand syntax. Some means of distinguishing these two situations should be present. That’s In Phase 2, where bot activity is already filtered out, sequestering cases that have thecharacteristics of a fake or synthetic identity can be flagged. Again, without fine-tuning,the screening tools also will invariably catch cases with errors or incompleteness that Synthetic identities, which can be detected in Phase 2, are a newly enhanced mannerof engaging in fraud. These fraudulent attempts at creating an identification usually arebuilt from stolen points of identification and supporting documents that may be genuine.Fraudulent synthetic identities may be used for a variety of reasons, only one of which is toaccess financial resources, but the manner of deception is similar across use-cases. Any In Phase 3, an agency typically wants more significant interaction with the applicant beforeapproving benefits, either through a phone call, an in-person visit, or video conference.Some agencies use a Phase 4, in which biometrics can be used tocompare in-person orvideo presence with submitted identity documents. The purpose of Phases 3 and 4 is toauthenticate the applicant — to make sure that the person who will receive the service Another benefit for overburdened government agencies is that these newer screeningtools can handle applications at high volume, and set aside incomplete, bot-authored,or possibly inauthentic ones. However, agency workers must think carefully about the Paper documents These applications and their accompanying documents are the traditional manner ofsubmitting a petition for benefits. For many reasons, not every applicant — or even everyagency — can move forward in the process fully online. In fact, most agencies do bothdigital platform and paper intake of applications and docum