11.11.1 About KBA Registration

During registration, which could be enrollment, opening a new account, or other events such as a reset, the user is asked to select questions and provide answers. The order of questions that are presented to a user during the registration phase is random using configurable parameters.

The challenge questions selected at registration or during a reset are then used for authenticating users using a challenge/response process where users are challenged with one or more questions to provide identity before they are allowed to proceed with high risk log ins or access transactions.