Fraud costs both individuals and businesses billions each year, undermining trust in digital interactions. Incode’s advanced identity verification reduces fraud, secures data and ensures positive user experiences.
NIST SP 800-63-4 is the first identity assurance guideline developed for IAL3. It proposes a modular assurance framework from identification proofing to authentication and federation to allow for contextually sensitive identity verification that adapts with risk.
FedRAMP High
For agencies navigating procurement requirements at all three levels – Federal, State and Local – 1Kosmos’ dual certification provides agencies with the highest possible assurance. This ensures a smooth transfer of security controls from higher-level FedRAMP authorizations down into lower-level authorizations while mitigating risks related to inconsistent or incomplete security hardening. Real security goes far beyond meeting regulatory checkboxes; 1Kosmos has built privacy and security principles into its software’s design from within.
Trust is built upon identity; however, to establish it takes more than just ID cards or passwords. With fedramp high identity proofing systems in place, organizations can ensure users are safe with strong authentication processes that federated digital identities that can be trusted across systems to reduce fraud risk.
Businesses can easily meet IAL3 requirements to deliver secure online experiences to their customers with just one software platform, supporting a broad set of authentication methods allowing the use of any AAL2 authenticator or higher. In addition, this platform also features federation assurance levels as well as join/move/leave workflows which balance user experience with governance while offering an automated pathway towards IAL3 status for privileged users.
Trustswiftly FedRAMP Ready status showcases our dedication to nist 800-63-4 ial3 compliance and scalability with the Federal Identity Management Program as well as providing trusted digital identity with maximum assurance.
NIST SP 800-63-4 IAL3
NIST SP 800-63-4 modernizes digital identity management through a core framework consisting of Identity Access Layer (IAL), Authentication Access Layer (AAL), and Federation Authorization Layer (FAL). It updates requirements while raising assurance levels to reduce fraud while safeguarding data and increasing trust within digital interactions.
To achieve this, the new standard transitions from checklist-based security requirements to a risk-based Digital Identity Risk Management framework. This standard emphasizes phishing-resistant authentication protocols while demanding organizations assess threats, service impacts and user populations before selecting an Identity Access Level (IAL), Authentication Assurance Level (AAL) or Federation Assurance Level (FAL).
Many enterprises struggle to balance security with an enjoyable user experience, which is why we provide an ial3 identity verification software that meets IAL3 requirements while offering great user satisfaction. Our comprehensive identity verification platform supports software-based journeys at IAL-1 level; hardware authenticators such as PIV/CAC cards at AAL-2; signed and encrypted assertions compliant with FAL; as well as providing a consolidated dashboard for all your verifications including those beyond its scope.
To achieve this goal, our team develops and deploys customized kiosks equipped with one app to initiate the NIST IAL3 proofing process. After users login to their real name and date of birth for risk evaluation purposes, the application sends them on to a portal where an agent is ready to verify their identities live.
Achieving IAL3
Acquiring an IAL3 authentication level goes beyond simply upgrading to stronger authentication methods; it requires conducting a risk analysis and selecting an assurance level appropriate to each transaction based on factors like asset sensitivity and damage potential from unauthorised access, cost-benefit analyses and compliance regulations requirements.
NIST defines identity assurance level (IAL) as an identity verification level that describes how much certainty can be attained during digital identification and verification processes, from Low Assurance (1L) to High Assurance (3H). For each IAL level there are specific requirements which are described in NIST 800-63-4 guidance document.
For most government services and financial transactions, IAL2 with biometric matching alone should suffice; however, for high-stakes transactions where identity errors could cause serious harm, IAL3 may be necessary; its process involves in-person or supervised verification as well as multiple verified documents.
Technology advancements have drastically decreased the barriers associated with IAL3, making its implementation simpler and more feasible for enrollees. Mobile identity-proofing kits and kiosks provide convenient portable options. Supervised remote identity proofing enables agencies to issue IAL3 credentials without physical agents, significantly cutting costs and citizen inconvenience. Zero trust platforms make AILA possible by constantly assessing contextual risk and automatically adapting authentication requirements in real time. This platform offers a centralized identity and access management (IAM) architecture to manage software-based journeys from AAL2-IAL3 at AAL2-3 as well as hardware authenticators like PIV/CAC cards at AAL1-3. Furthermore, federacy assurance levels exist which balance risk with user experience to simplify governance.
Future Plans
NIST 800-63-4 is an extensive set of digital identity guidelines, providing crucial frameworks for proofing, authentication and federation. Trustswiftly brings these guidelines to life through continuous and adaptive NIST IAL3 verification of users, devices and networks; creating an active security posture which reduces fraud while safeguarding data protection and supporting secure digital interactions.
One future goal could involve employing kiosks that can be attended by human proofing agents, similar to what visitors might experience at some offices. This would increase security by monitoring verification processes live and being able to address any problems immediately; furthermore, this option might prove less expensive and quicker in terms of rollout compared with full self-service kiosks.
Trust Swiftly’s software capabilities could also allow a human to connect live to a kiosk, then move the session elsewhere for additional verifications that fall outside the scope of IAL3. This would provide an efficient and cost-effective method of conducting additional checks such as device checks without sending people back out or asking them for more paperwork.
NIST 800-63 provides us with a road map for building trust on the internet: Know who people say they are (IAL), ensure they actually are who they say they are (AAL), and confirm with other trusted parties they accept their proof (FAL). However, locking everything at one level of assurance might damage user experiences; companies need progressive security — only demanding maximum levels when necessary.
