Identifying the Member Account

Initial Authentication Step: The first step in the authentication process aims to identify the member account in the system. This is known as Level 1 authentication processing.

Verification of Customer ID: A valid customer ID or member ID is cross-verified with the core processing system. Alternate methods of identification are supported on some cores and include Social Security Number, Account Numbers, and various Card Numbers within the system.

Source of Valid ID: A valid ID can be provided by the caller directly or can be derived from the alternate member or customer authentication component, if utilized. During this stage of the process, the system will either confirm the validity of the provided ID or deny it.

Passing Verified ID: Once a member or customer ID is verified, it is then forwarded to the Level 2 authentication process.