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Identity Verification Features

Use digital identity verification to acquire more customers and fight application fraud

Verification hub illustration

Multi-layered approach to digital identity verification​

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ID Document Verification

Fraud Prevention​

ID document verification helps prevent fraud during customer onboarding.​

Image Capture​

Capturing a good quality image is vital for accurate verification. Real-time instructions allow users to capture an image of their ID document with the camera on their device.

Document Type Validation

OneSpan Identity Verification​ has the ability to identify the type of document that is being captured (e.g., US Passport, Spanish ID Card, UK Driver’s License, etc.). This ensures that the correct documents are obtained.​

Document Checking​

Artificial intelligence (AI) and authenticity algorithms analyze the image to determine whether the document is genuine or fraudulent. ​

Data Extraction​

OneSpan Identity Verification​ is able to extract several data points per document captured, including dates, ID numbers, images, addresses, text and more. These data points can be stored and provided to the client as required.

Data Comparison​

Our solution uses configurable logic to compare extracted document data to a customer’s previously-captured metadata to prove that the customer is who they say they are. The matching logic can be tailored to a client’s specific need using a scorecard based on the demographic of the customers. This ensures an optimal algorithm for the solution.​

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Biometric Verification Using Facial Comparison

Fraud Prevention

​​Biometric verification helps establish that a user is the person they claim to be.​

Image Capture​

The user takes a selfie with the camera on their device. Advanced algorithms extract biometric data from the image and compare it to the image on the authenticated ID document to determine whether the user is genuine.​

Customer Presence Detection

Before a captured image or ‘selfie’ can be used for facial comparison, liveness detection can used to prove that a person is genuinely present and that a static image has not been used fraudulently.

Active Liveness Detection​

Active liveness detection involves the customer performing an action, for example blinking, speaking or moving their head.

Passive Liveness Detection​

Passive liveness detection is achieved with image analysis algorithms, which check elements of the image captured, such as the glare or blur. Active and passive methods can be used together to prove the liveness of an individual capturing a selfie.​​

Data Privacy

No personal data images are stored as part of the process.​

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Knowledge-based Authentication (KBA)​

Frictionless Verification​

Prove that the customer providing the identity information is the owner of the identity by presenting them with questions based on their credit file

Dynamic Questions​

Generate dynamic “out of wallet” questions to prove an individual’s identity​

SMS-OTP

One-time Passcode (OTP)​

Fraud Protection

Transmit a single-use passcode via SMS to the applicant during the verification process

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Trusted Identity Networks

Secure & Convenient Identity Verification

Enable your customers to use their existing credentials with another provider to verify their identity and reduce friction during onboarding