Identity verification

1. A server comprising at least one processor, and at least one memory including computer program code, wherein the at least one memory and the computer program code are configured to, with the at least one processor, cause the server at least to:

receive a data signal from a user computer for a user request to schedule an enrollment session with a remote live person;

based on the availability of the remote live person and the enrollment session, send a data signal to the user computer, requesting access to at least one of a webcam, microphone, and remote desktop sharing software available on the user computer;

capture a picture of the user via the webcam;

prior to the user being connected to the remote live person,

perform a first verification by comparing the user's government issued identification against the captured picture;

perform a second verification by prompting the user to provide answers to a series of knowledge based authentication questions, wherein the user is observed by a remote person via the webcam; and

perform a third verification by recording a keystroke sample entered by the user in response to prompting the user to type a text passage;

connect the user to the remote live person after capturing the picture of the user, and performing the first verification, the second verification, and third verification; and

after the user is connected to the remote live person, perform a subsequent identity verification of the user based on at least one of the captured photo, the user's government issued identification, answers to a series of knowledge based authentication questions, and the user's keystroke sample,

wherein, after the user is connected to the remote live person and after the first verification, the second verification, and the third verification, the subsequent identity verification of the user is performed a plurality of times, and

wherein the at least one memory and the computer program code are further configured to, with the at least one processor, cause the server at least to create a user activity timeline using an initial enrollment as a beginning, and showing all the plurality of subsequent identity verifications as subsequent points on the timeline, wherein the timeline shows specific times, before and after the user is connected to the remote live person, when the user has successfully completed each verification.

2. The server according to claim 1 , wherein the at least one memory and the computer program code are further configured to, with the at least one processor, cause the server at least to validate the government issued identification with a third party identification validation service.

3. The server according to claim 1 , wherein the at least one memory and the computer program code are further configured to, with the at least one processor, cause the server at least to record the user's subsequent authentication validation attempts.

4. The server according to claim 1 , wherein the at least one memory and the computer program code are further configured to, with the at least one processor, cause the server at least to send a notification in the event that the enrollment or the subsequent identity verification fails.

5. The server according to claim 4 , wherein the notification comprises an email or short message service alert.

6. The server according to claim 1 , wherein the series of knowledge based authentication questions is derived from public records or a third party source.

7. The server according to claim 1 , wherein the at least one memory and the computer program code are further configured to, with the at least one processor, cause the server at least to take and store a new photo of the user for each subsequent identity verification of the user.

8. An apparatus, comprising:

at least one processor; and

at least one memory including computer program code,

wherein the at least one memory and the computer program code are configured, with the at least one processor, to cause the apparatus at least to

schedule a user for an enrollment session with a remote live person;

based on the scheduled enrollment session, connect the user to the live remote person via at least one of a webcam, microphone, and remote desktop sharing software;

take a photo of the user via the user's webcam;

prior to the user being connected to the remote live person,

perform an initial verification by validating the user's government issued identification with the photo taken of the user;

perform a secondary verification while being observed by the remote person by prompting the user to provide answers to a series of knowledge based authentication questions; and

perform a tertiary verification by recording a keystroke sample of the user in response to prompts to the user to type a text passage;

connect the user to the remote live person after taking the photo of the user, and performing the first verification, the second verification, and the third verification; and

after the user is connected to the remote live person, perform a subsequent identity verification of the user based on at least one of the photo of the user, the user's government issued identification, the answers to the series of knowledge based authentication questions, and the user's keystroke sample,

wherein, after the user is connected to the remote live person and after the initial verification, the secondary verification, and the tertiary verification, the subsequent identity verification of the user is performed a plurality of times, and

wherein the at least one memory and the computer program code are further configured to, with the at least one processor, cause the apparatus at least to create a user activity timeline using an initial enrollment as a beginning, and showing all the plurality of subsequent identity verifications as subsequent points on the timeline, wherein the timeline shows specific times, before and after the user is connected to the remote live person, when the user has successfully completed each verification.

9. The apparatus according to claim 8 , wherein the at least one memory and the computer program code are further configured, with the at least one processor, to cause the apparatus at least to validate the government issued identification with a third party identification validation service.

10. The apparatus according to claim 8 , wherein the at least one memory and the computer program code are further configured, with the at least one processor, to cause the apparatus at least to record the user's subsequent authentication validation attempts.

11. The apparatus according to claim 8 , wherein the at least one memory and the computer program code are further configured, with the at least one processor, to cause the apparatus at least to send a notification in the event that the enrollment or the subsequent identity verification fails.

12. The apparatus according to claim 11 , wherein the notification comprises an email or short message service alert.

13. The apparatus according to claim 8 , wherein the series of knowledge based authentication questions is derived from public records or a third party source.

14. The apparatus according to claim 8 , wherein the at least one memory and the computer program code are further configured, with the at least one processor, to cause the apparatus at least to take and store a new photo of the user for each subsequent identity verification of the user.

15. A computer program, embodied on a non-transitory computer readable medium, the computer program, when executed by a processor, causes the processor to:

schedule a user for an enrollment session with a remote live person;

based on the scheduled enrollment session, connect the user to the live remote person via at least one of a webcam, microphone, and remote desktop sharing software;

take a photo of the user via the user's webcam;

prior to the user being connected to the remote live person,

perform an initial verification by validating the user's government issued identification with the photo taken of the user;

perform a secondary verification while being observed by the remote person by prompting the user to provide answers to a series of knowledge based authentication questions; and

perform a tertiary verification by recording a keystroke sample of the user in response to prompts to the user to type a text passage;

connect the user to the remote live person after taking the photo of the user, and performing the first verification, the second verification, and the third verification; and

after the user is connected to the remote live person, perform a subsequent identity verification of the user based on at least one of the photo of the user, the user's government issued identification, the answers to the series of knowledge based authentication questions, and the user's keystroke sample,

wherein, after the user is connected to the remote live person and after the initial verification, the secondary verification, and the tertiary verification, the subsequent identity verification of the user is performed a plurality of times, and

wherein the computer program, when executed by a processor, further causes the processor to create a user activity timeline using an initial enrollment as a beginning, and showing all the plurality of subsequent identity verifications as subsequent points on the timeline, wherein the timeline shows specific times, before and after the user is connected to the remote live person, when the user has successfully completed each verification.

16. The computer program according to claim 15 , wherein the computer program, when executed by a processor, further causes the processor to validate the government issued identification with a third party identification validation service.

17. The computer program according to claim 15 , wherein the computer program, when executed by a processor, further causes the processor to record the user's subsequent authentication validation attempts.

18. The computer program according to claim 15 , wherein the computer program, when executed by a processor, further causes the processor to send a notification in the event that the enrollment or the subsequent identity verification fails.

19. The computer program according to claim 18 , wherein the notification comprises an email or short message service alert.

20. The computer program according to claim 15 , wherein the series of knowledge based authentication questions is derived from public records or a third party source.