NIST 800-63A IAL3 verification aims to reduce fraud by linking physical biometrics with claimed digital identities. This involves conducting an in-person identity proofing session under supervision, authenticating documents against authoritative sources, and comparing facial images against claimed digital credentials.
TrustSwiftly provides a scalable solution that meets NIST SP 800-63A requirements, offering step-up reproofing based on risk, in person or remote credential issuance, and liveness detection support for facial images.
Document Authentication
NIST digital identity guidelines remain at the heart of modern security, emphasizing comprehensive identity proofing and strong, phishing-resistant authentication. They also serve as a cornerstone in creating secure federated identities; most recently they’ve been updated to incorporate stronger hardware-backed authenticators like FIDO Passkeys as requirements for higher Federation Assurance Level (FAL) standards.
IAL3 Non-Biometric Pathway provides an alternative that does not rely on biometric comparison, yet still requires liveness detection and stringent chain-of-custody procedures for liveness detection and chain-of-custody procedures to verify enrollments; ideal for use cases that do not necessitate linking real world identities to online identities claimed online; this path also stipulates written policies and procedures are followed when enrolling individuals to become eligible for verification through either IAL2 or IAL3 pathways – an essential requirement that ensures transparency, accountability and auditability are met.
Biometric Verification
Biometric verification is an integral component of any security system, helping businesses fend off fraudsters using stolen identities to forge identification documents and falsify identification. It is especially relevant in financial services, eCommerce platforms, and payment gateways.
Biometric verification can provide an effective defense against identity theft and money laundering while simultaneously offering users an exceptional user experience.
Biometric identification technologies include facial recognition, fingerprint scanning, iris scanning and palm vein pattern matching. While AI algorithms may speed up verification processes significantly, these technologies alone aren’t enough to guarantee robust identification – age, skin tone and eyeglasses as well as cultural/religious limitations can limit their performance as biometric verification systems enrolees may also not meet certain requirements and enroll.
High Pixel Counts
The National Institute of Standards and Technology provides benchmark standards to industries, from plumbing pressure loss measurements to chemical element viscosities. Additionally, it develops cybersecurity, physical security, and more standards.
The NIST IAL3 verification process offers an effective defense against impersonation attacks by employing document authentication, biometric comparison and IAL3 identity proofing processes. IAL3 compliant solution help minimize fraud losses while protecting against SIM swaps or MFA bypasses as well as decreasing cyber liability insurance costs.
TrustSwiftly’s scalable solution helps organizations meet NIST 800-63A IAL3 verification requirements with multiple remote methods including chat, video streaming, facial recognition with liveness detection and document authentication. This enables CSPs to strengthen authentication journey while decreasing operational costs while decreasing attack surface area and meeting IAL3 requirements for FedRAMP high compliance.
Secure Connections
The fourth version of NIST 800-63 Digital Identity Guidelines maintains its tripartite framework of Identity Layer Access Level (IAL), Application Access Layer Level (AAL) and Framework Access Layer Level (FAL), while shifting away from checklist-based requirements towards an all-risk DIRM framework. This change allows organizations to dynamically select appropriate assurance levels based on threats, service impacts and user populations.
NIST also updated their guidance to emphasize extensive and rigorous identity proofing and strongly support phishing-resistant authentication (including device-bound, syncable FIDO Passkeys), as well as federation-based security protocols. Furthermore, email one-time passwords and SMS authentication were downgraded from IAL2 status due to their inherent vulnerabilities.
TrustSwiftly assists CSPs directly in complying with IAL3 standards by offering remote yet supervised identity proofing and liveness validation via photo verification, biometric comparisons, facial image spoof detection, cryptographic authentication for enhanced phishing resistance, man-in-the-middle attacks and secure connections that prevent interceptions.
Multiple Modalities
NIST provides identity verification standards to help relying parties evaluate the strength of an individual’s claimed identity. These standards cover identity proofing which involves document authentication, biometrics and other identification methods; step-up re-proofing according to risk is also included as part of this standard to limit impersonation attacks.
First step toward attaining IAL3 involves an in-person identity proofing session with a trained CSP representative – similar to how security guards screen visitors before admitting them into some offices. A hardware-locked remote kit that captures superior evidence and high-fidelity live biometrics safely, eliminating risks from root devices or deepfake attacks is another viable method for reaching this level of assessment.
TrustSwiftly HYPR managed solutions offer another option, using specially preconfigured hardware to form a trusted path between physical people and digital records and ensure evidence cannot be altered or falsified, providing optimal protection from advanced attack vectors, such as falsification, theft and repudiation of documents.
