A system and method for storing identifying information and telephone numbers associated with individuals, and cross-referencing said information so as to link a first individual to other referee individuals capable of identifying the first individual as a result of a telephone conversation. When a relying party wishes to confirm the identity of a contracting party, the system is contacted and, using identifying information pertaining to said contracting party, identifies the set of referee individuals capable of identifying said contracting party, contacts a referee selected at random from the set, and places the contracting party in telephonic communication with the referee. At the conclusion of said telephonic communication, said system invites the referee to state the name of the first individual; by comparing the voice sample with a stored voice sample, the apparatus then provides identity confirmation to said relying party.