METHODS AND PROCESSES FOR UTILIZING INFORMATION COLLECTED FOR ENHANCED VERIFICATION

摘要

A system for verifying a user identity. The system comprises one or morememorydevices storing instructions and one or more processors configured to executethe instructions.The processors are configured to receive information associated with anaccount of a user. Theprocessors are further configured to generate a first profile, where the firstprofile being relatedto the user. The processors also receives an indication that the account isaccessed by an accessorthrough an accessor device; and receive, from the accessor device, identitydata comprising aplurality of data subsets associated with the accessor. The processors areconfigured to store thedata subsets in respective clusters. The processors are further configuredgenerate clusteranalyses by analyzing the data subsets in respective clusters; and output thecluster analyses tonode instances that weighs the cluster analyses outputs. The processors alsogenerate a secondprofile, the second profile related to the accessor and being based on thereceived identity dataand weighted cluster analysis. And the processors are configured to determinea likelihood factorthat the accessor is the user based on a comparison of the first profile andthe second profile.