Method and system for making identity decisions

1. A computer system comprising memory and at least one processor for quantifying identity risk for use in regulating access to online resources, comprising:

a client-facing server system programmed to receive from a client access request data associated with an agent's request for access to an online resource using valid credentials of an authorized user and to communicate to the client an identity score, said identity score comprising a quantification of the risk that the agent is the authorized user;

a database system comprising user data comprising historical user access data associated with a plurality of user identities;

a plurality of data signal collector systems communicatively linked to a plurality of external identity risk data sources including at least one open source intelligence (OSINT) data source;

a graph database system comprising continuously and automatically-updated identity risk signal data sourced from the plurality of external identity risk data sources; and

a computer system comprising at least one processor and memory comprising executable program instructions which when executed by the at least one processor cause the computer system to compute the identity score using data comprising the access request data, historical access data associated with the authorized user, and identity risk signal data, wherein the computer system comprises executable program instructions to compute the identity score by:

embedding identity risk signal data into a current digital fingerprint;

retrieving historical digital fingerprints for the authorized user; and

computing the distance between a similar historical digital fingerprint for the authorized user and the current digital fingerprint.

2. The computer system for quantifying identity risk for use in regulating access to online resources of claim 1 , wherein a digital fingerprint comprises a high-dimensional vector.

3. The computer system for quantifying identity risk for use in regulating access to online resources of claim 1 , wherein the computer system comprises executable program instructions to compute the identity score by:

computing a current weighted risk score comprising the identity risk signal data;

retrieving historical weighted risk scores for the authorized user; and

computing the deviation from mean between the current weighted risk score and the historical weighted risk scores for the authorized user.

4. The computer system for quantifying identity risk for use in regulating access to online resources of claim 1 , wherein the computer system further comprises a database system comprising client identity policy data, and the computer system is further programmed to use client identity policy data to compute the identity score.

5. The computer system for quantifying identity risk for use in regulating access to online resources of claim 4 , wherein the client identity policy data comprises a client-specified signal data source or a client-specified signal weighting.

6. The computer system for quantifying identity risk for use in regulating access to online resources of claim 1 , wherein the access request data comprises a telephone number, an email address, and an IP address.

7. A computer-implemented method for quantifying identity risk associated with a request for access to online resources, comprising:

receiving from a client an identity score request comprising risk indicia associated with an agent's request for access to online resources using valid credentials of an authorized user,

wherein the risk indicia comprises access data associated with said request for access, comprising a first access request data attribute, a second access request data attribute, a third access request data attribute, and user authentication data;

employing an authentication risk evaluation system to use the risk indicia to compute an identity score and returning the identity score to the client, comprising:

retrieving current first identity risk signal data corresponding to the first access request data attribute, current second identity risk signal data corresponding to the second access request data attribute, and current third identity risk signal data corresponding to the third access request data attribute;

retrieving user historical access data associated with the authorized user; and

computing the identity score based on data comprising the current first identity risk signal data, the current second identity risk signal data, the current third identity risk signal data, and the user historical access data, wherein the authentication risk evaluation system comprises at least one processor and a memory comprising executable program instructions which when executed by the at least one processor cause the authentication risk evaluation system to use the risk indicia to compute the identity score,

wherein computing the identity score further comprises:

embedding the current first identity risk signal data, the current second identity risk signal data, and the current third identity risk signal data into a current digital fingerprint:

retrieving historical digital fingerprints for the authorized user; and

computing the distance between a similar historical digital fingerprint for the authorized user and the current digital fingerprint.

8. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 7 , wherein a digital fingerprint comprises a high-dimensional vector.

9. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 7 , wherein computing the identity score further comprises:

computing a current weighted risk score comprising the current first identity risk signal data, the current second identity risk signal data, and the current third identity risk signal data;

retrieving historical weighted risk scores for the authorized user; and

computing the deviation from mean between the current weighted risk score and the historical weighted risk scores for the authorized user.

10. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 7 , wherein employing an authentication risk evaluation system to use the risk indicia to compute an identity score further comprises:

retrieving first client identity policy data corresponding to at least one access request data attribute or the user authentication data; and

computing the identity score based on the current first identity risk signal data, the current second identity risk signal data, the current third identity risk signal data, the user historical access data, and the first client identity policy data.

11. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 10 , wherein the first client identity policy data comprises a client-specified signal data source or a client-specified signal weighting.

12. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 7 , wherein the first access request data attribute comprises a telephone number, the second access request data attribute comprises an email address, and the third access request data attribute comprises an IP address.

13. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 7 , wherein the access data further comprises a domain data attribute that is evaluated with other access data in computing the identity score.

14. The computer-implemented method for quantifying identity risk associated with a request for access to online resources of claim 7 , further comprising updating the historical access data associated with the authorized user to include the first access request attribute, the second access request data attribute, and the third access request data attribute.