ID Verification - KYC is an electronic Know Your Customer (eKYC) solution that is developed based on artificial intelligence (AI). The solution uses industry-leading intelligent identification and real-time detection technologies to efficiently and effectively verify customers. ID Verification - KYC provides features such as document optical character recognition (OCR), liveness detection, face comparison, and identity verification. The features help enterprises reduce labor and operations costs, improve efficiency, and stay as a leader in the industry.
Background information
eKYC is the implementation of digital identity verification and related KYC procedures. A critical procedure in eKYC is online identity verification, which refers to remotely verifying a customer or a customer identity. Compared with traditional recognition processes, eKYC is more accurate, efficient, and cost-effective in terms of labor costs. eKYC also provides a convenient, fast, and secure experience for customers.
Features
Document OCR
ID Verification - KYC adopts the high-precision OCR technology to efficiently and effectively recognize global identity documents and automatically extract critical identity information. This prevents complex manual operations. ID Verification - KYC also adopts the AI-based anti-fraud technology to identify whether an identity document is tampered with. In addition, ID Verification - KYC can effectively identify photos and copies of documents.
Liveness detection
ID Verification - KYC uses cameras to collect face images in real time, checks facial expressions and movements during the machine-human interaction process, and then determines whether a customer is a natural person. This prevents identity spoofing and ensures the authenticity and reliability of customers. Photos, screenshots, printed materials, and edited materials can be used in identity spoofing.
Face comparison
ID Verification - KYC quickly recognizes and extracts biometric facial data, and uses similarity computing to check whether images belong to the same customer. The accuracy of face comparison exceeds 99.8%.
Solutions
ID Verification supports multiple solutions and integration methods. You can split or combine integration methods based on your business requirements.
Solution | Service code | Description | Integration method |
eKYC verification | eKYC | The solution covers a complete eKYC process of identity verification, including document OCR, biometric data collection, and comparison between document images and customer faces. |
|
eKYC_MIN | Server-side-only API | ||
Face liveness verification | FACE_VERIFY | The system checks whether a customer is a natural and live person. The system also checks whether a customer is the same as a recorded person in an existing system by comparing the customer face with a face image that is stored in on-premises databases. This solution is suitable for secondary verification. |
|
Liveness detection | FACE_LIVENESS | The system connects to cameras to collect and detect the facial expressions and movements of customers in real time and checks whether the customers are natural persons. |
|
FACE_LIVENESS_MIN | The system analyzes the face images of customers and checks whether the customers are natural persons. | Server-side-only API | |
Face comparison | FACE_COMPARE | The system compares two face images, identifies facial characteristics, calculates the similarity of the images, and checks whether the images belong to the same person. | Server-side-only API |
Document OCR | ID_OCR | The system collects images from identity documents, extracts information from the collected images by using the OCR technology, and identifies forged and tampered documents. |
|
ID_OCR_MIN | The system processes identity document images to extract information and provide anti-counterfeiting detection results. | Server-side-only API | |
Two-element identity verification | ID_2META | The system requires input of customer names and ID card numbers. The system verifies the authenticity and consistency of the input against authoritative data sources. | Server-side-only API |
Three-element verification for phone numbers | MOBILE_3META | The system requires input of customer names, ID card numbers, and phone numbers. The system verifies the authenticity and consistency of the input against authoritative data sources. If inconsistency is detected, the system returns detailed reasons. | Server-side-only API |
Integration methods
Alibaba Cloud provides the following integration methods:
SDK-integrated app: ID Verification - KYC provides an SDK and a server-side API. You can integrate the SDK with your app and configure the API for the app server. Then, customers can call the app to use ID Verification - KYC.
Mobile H5 page: ID Verification - KYC provides a web SDK and a server-side API. You can integrate the SDK with your mobile web application and configure the API for the application server. Then, customers can call the application or visit the web page to use ID Verification - KYC.
Server-side-only API: Developers can call a server-side-only API to use ID Verification - KYC.