I know exactly what you are saying. I had written about this above. I don't recall when, but I have had to go through that type of vetting process, maybe two or three times, with banks or some other company who was trying to do so. But, they do make them too tricky. One question asked about my student loans, where the answer was VSAC. Vermont Student Assistance Company. VSAC. That was the answer, but there are Stafford loans and many other government medical school or other college loans. The multiple choices should have been obvious for me but a guess for others. Plus, if you get them all correct, you only do the four I believe. But, you have no idea if you "Pass" until the end. I think it should at least let you know how many you need to get correct and how you are doing as you go along.

Many companies use a technique that I think would be good enough. When you enter your email address, they send an email, and you click on a link. Sure, someone could get on the computer screen and know your email address, but it is unlikely. I would think with that along with the last four digits of your social, and a few other demographics you would be fine. Plus, I would think the ultimate way would be to require you to send two or three scripts via NC. They have their own test pharmacies on there. I mean if you can send a script via EPCS to a NC pharmacy using your username and password and Verizon app, that would be a better way than asking about your AMEX accounts.

Bert
Pediatrics
Brewer, Maine