Remote identity verification
The issue of trust in distance selling
Verifying the identity of a new remote customer is akey issue for organizations that sell online with a high risk of identity fraud.
It’s not enough to have new customers, you have to have the right ones!
This necessity is reinforced when one is subject to regulatory obligations, as is the case for banks and insurance companies (KYC / 5th LCB-FT directive).
There are then several solutions, such as substantial electronic identity or the implementation of additional vigilance measures (Article 561-5-2 of the Monetary and Financial Code). But in practice, the technical underpinnings are not easy to apply.
IN PRACTICE
- The constantly evolving regulatory and technological context requires a perpetual adaptation of the solutions implemented.
- It is not enough to verify that an identity document is authentic (#falsification), it is also necessary to verify that it is submitted by its legitimate owner (#usurpation).
- Just as we automate identity verification, attacks can also be automated and therefore extremely fast (#hemorrhage).
Solutions tailored to your identity verification challenges
Whether it is to control fraud or to meet regulatory obligations, Netheos’ identity verification solutions continually adapt to technological and regulatory changes.
You can focus on your business with the assurance of being in compliance.
Netheos' remote identity verification paths
Netheos’ remote identity verification solutions take place in two stages:
- Verification of the ID imported by the user in 4 conditional points:
- Document quality
- Verification of the type of document (CNI, Passport, Residence permit)
- Consistency of the document with the personal information provided by the user
- Authenticity of the document
If one of the conditions is not validated, an explanatory message will automatically be sent to the user.
- Comparison of the imported ID photo with the user’s face (facematch).
Netheos offers 3 facematch solutions depending on the level of security required:
Facematch
photo
- 3 levels of automation (100% automatic, 50% manual in case of error, 100% manual)
- Archival certificate of compliance
Eligible solution for a qualified signature
Facematch
video simplified
- 3 levels of automation (100% automatic, 50% manual in case of error, 100% manual)
- Simplified user experience
- Fast track
Eligible solution for a qualified signature
Facematch
PVID certified
- Certification by ANSSI
- Highest level of security
- Approval by a human fraud expert based in France
- Substantial or high level of coverage
Meets regulatory requirements
Certification of Remote Identity Verification Providers (PVID) by the ANSSI
Full Web
All Netheos identity verification solutions are responsive: they fit perfectly on any screen (smartphone or computer).
Back-Office
The back-office interface allows you to easily manage and visualize your pipeline of ongoing customer files and industrialize manual interventions (removal of doubt, catching up, reopening of files)
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Netheos remote identity verification in 3 points
Real-time verification of identity documents
Fight against document fraud
Maximum time to verify an identity document and provide feedback to the user
Identity documents verified without human intervention
The “Facematch” with
life detection
Fight against identity theft
Detection of the living
Functionality optimized for user experience to prevent abandonment
Post Control
Automatic (Machine Learning) and/or manual (Netheos Services: anti-fraud experts) final identity check
The basis of
dynamic fraud
Fight against the hemorrhagic fraud
Shared database
Detects documents reported as fraud via a shared database (manually populated)
Flow Fraud Detection
Automatically detects a similar room that has already been used on your stream (populated via AI)
Netheos Timeline: identity verification
1st ONLINE REMOTE IDENTITY CHECK COURSE
Online signature of a credit offer or a bank card.
AUTOMATIC VERIFICATION OF IDENTITY DOCUMENTS
Controls carried out entirely by the artificial intelligence team using machine learning (composed of 5 data scientists).
Approximately 6 million checks per year.
MANUAL VERIFICATION OF IDENTITY DOCUMENTS
Approximately 30K documents verified per year by our fraud experts.
AUTOMATIC FACEMATCH VERIFICATION
Compare the face from an ID to a selfie. Solution developed in-house by our artificial intelligence team and used in production in August 2019.
Approximately 160k facematch made per year.
MANUAL FACEMATCH CHECK
Creation of Netheos-Services, a dedicated fraud unit with approximately 140k facematch processed per year.
ZOOM ON TRUST AND SIGN
and digital underwriting
Trust and Sign responds to the main challenges of remote entry and subscription by offering solutions for :