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The evolution of liveness detection for identity fraud detection

Liveness Detection is a process that assures live physical facial presence of a person to be validated at the time of biometric authentication for facial recognition. <br><br>Liveness Detection distinguishes a live person from a static portrait picture of an individual.

Ameliamatthers
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The evolution of liveness detection for identity fraud detection

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  1. The Evolution of Liveness Detection for Identity Fraud Detection

  2. How Standard Verification Works ● ● ● ● ● User Enters KYC Information. User uploads selfie or displays face in camera. User uploads document or displays document in camera. AI compares KYC detail and photographs on the document. The verification results are displayed.

  3. Hurdles faced by traditional verification processes ● ● ● ● ● No real-time assurance of human presence. Increased false match rates & increased fraud chances. Unsatisfied customers. Diminished customer trust in solution. Non-compliance with regulators.

  4. Intermediary Mechanisms for Improved Fraud Prevention

  5. Knowledge Base Assessment ● Ask personalised questions known to authentic individual only. Used as fall-back in cases of password recovery and identity authentication Types: StatIc KBA & Dynamic KBA ● ●

  6. Two Factor Authentication ● Security Token sent to a registered mobile no. to be re-entered for verification Address real-person presence Principled on 1) Something they know 2) Something they have. ● ●

  7. Regulatory Verdicts and Further Improvements ● Dissatisfaction with current methods to authenticate identities. Call for further improvements in authentication mechanisms. Address fraud prevention through ‘enhanced’ biometrics. ● ●

  8. How Liveness Detection Fits the Bill ● ● ● Programatically incorporated within Artificial Intelligence. Quick widespread adoption by global IDV vendors. Different ways to perform Liveness Detection according to use-case. Regulatory recognised: fraud prevention addressed with greater security. Prevents fraud and facial spoofing. ● ●

  9. Intersection of Online IDV & Liveness Detection ● Video Verifications can be enhanced with added techniques of LD. IDV providers can become further compliant with regulators. Deter potential fraudsters with greater confidence. IDV vendors can have their own ways of performing liveness detection. ● ● ●

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