Identification (ID) proofing and risk engine integration system and method

A method for identity proofing a user entity for allowing for secure access comprising:

• in a resolution step, capturing registration information of the user entity at a relying party and monitoring the user entity by the risk engine during an active session;
• in a first part of a validation step, determining by the risk engine whether the user entity is not a threat actor by reviewing a plurality of egocentric and allocentric factors and if an abnormality is detected, notifying the relying party to terminate the active session;
• in a second part of the validation step, reviewing by the risk engine evidence submitted by the user entity and comparing the evidence to an internal database to determine whether the owner of the identity is the user entity and whether the user entity is a claimed registered identity or a new identity;
• in a verification step, if the user entity is the claimed registered identity, the risk engine will continuously capture contextual and behavioral factors of the user entity at the smart data hub to develop a bio-behavioral model of the user entity through machine learning;
• in the verification step, if the user entity is the new identity, obtaining the user entity contact information from at least one of a plurality of third party identity aggregators and contacting the user entity to obtain a confirmation that the user entity is attempting to register with the relying party and if the user entity is not new, the risk engine already has the contact information for the user entity and contacts the user entity directly through a predetermined out of band method;
• and
• sending a risk score from the risk engine to the relying party a classification of the risk determining that the user entity is or is not a threat actor.