Verifying identity documents in seconds
Identifying false documents and information can be a complex and challenging task, yet in many industries, consumers are increasingly demanding an instant response to applications and transactions.
Organisations also need to protect themselves against the growing threat of identity fraud to reduce the level of risk, losses and costs associated with fraud, as well as complying with national and international regulations.
The risks involved with manual checking and regulatory demands mean that many organisations are obliged to retain copies of identity documents. This process can be expensive and carries a high risk in terms of effectively retrieving data.
What data is recorded? How is data stored and secured? Who performed the original validation of document? These are all key questions that need to be considered to meet regulatory compliance.
Overview
The fully automated Document ID Check system allows documents such as driving licences and resident cards to be automatically checked in seconds against a range of advanced security features. Experian’s Document ID Check undertakes a fully automated check within seconds, providing a clear indication of the validity of identity credentials. The system is both powerful and robust, checking for inconsistencies and authenticating using a range of sophisticated features such as ultraviolet light, infrared light, and electronic chip reading.
In addition to efficiently verifying information, the Document ID Check system stores copies of documents electronically and provides an audit trail, removing the need for hard copies to be taken. Document ID Check is specifically designed for accurate and efficient identity authentication in high-volume customer touchpoints, such as banks and other financial services organisations, as well as retail outlets, car dealerships, law-enforcement agencies and public venues.
The system checks for inconsistencies and authenticates using a range of innovative features to carry out an electronic ‘visual’ check and a machine readable data check. The credentials check examines the data on the surface of the document, undertakes an algorithm check and assesses the data. There are then three views of the document that can be selected, the visual, ultraviolet and infrared views. Photo images contained within electronic chips can also be displayed on screen for comparison along with other information.
The system undertakes a document check within three to five seconds and provides an assessment of the validity of the credentials. When the assessment is ‘red’, the user can review the details to determine the cause. Alternatively, a supervisor or specialist investigator can review the output both locally or remotely from a centralised location.