System and method for identity proofing and knowledge based authentication

A non-transitory computer readable medium having instructions stored thereon that, upon execution by a computing device, cause the computing device to perform operations, wherein the instructions comprise:

• instructions to receive a request to verify an identity from an applicant device, wherein the request comprises an applicant identification and an application identification for an application to which access is desired;
• instructions to receive a combination of any of credit-based, clinical-based, and claims-based information corresponding to an applicant identified in the received request;
• instructions to send to the applicant device, one or more queries related to the received combination of any of credit-based, clinical-based, and claims-based information according to one or more identity proofing requirements;
• instructions to receive from the applicant device, one or more responses to the one or more queries, wherein the one or more response comprise authentication information;
• instructions to determine a match between the authentication information and the received combination of any of credit-based, clinical-based, and claims-based information;
• and
• instructions to grant access to the desired application to the applicant device based on the determination of the match.

An apparatus comprising:

• a memory;
• a processor coupled to the memory;
• and
• a first set of instructions stored on the memory and configured to be executed by the processor, wherein the processor is configured to:
• receive a request to verify an identity from an applicant device, wherein the request comprises an applicant identification and an application identification for an application to which access is desired;
• receive a combination of any of credit-based, clinical-based, and claims-based information corresponding to an applicant identified in the received request;
• send to the applicant device, one or more queries related to the received combination of any of credit-based, clinical-based, and claims-based information according to one or more identity proofing requirements;
• receive from the applicant device, one or more responses to the one or more queries, wherein the one or more response comprise authentication information;
• determine a match between the authentication information and the received combination of any of credit-based, clinical-based, and claims-based information;
• and
• grant to the applicant device based on the determination of the match, access to the desired application.