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What Key Role Document Verification Plays in Fighting Identity Theft

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  • Last Updated : 01 Apr, 2021

Overview :
When it comes to online businesses, identity-related fraud is one of the main concerns. Online transaction is increasing very rapidly in today’s scenarios. But that has also given fraudsters the chance to carry out their ill intentions in the form of data breaches and account takeovers. Intelligent solutions for scanning ID documents are also making their way into the market as the need for protecting user identity becomes necessary. Document verification is carried out using original documents issued by the government that serves as identity proof. Let’s see how document verification powered by artificial intelligence can work wonders.

AI-based Document Authentication and Fraud :
Document verification is pretty common when it comes to account openings or performing transactions. The user usually submits a government-issued document that could be a national identity card, Driver’s License, and Official Passport, etc. Scenarios have been changed now and Gone are those days when companies needed to invest in a verification officer to validate the ID documents of their customers. The process of manually authenticating end-users is not an option in today’s high paced world of technology. Now, customers can be remotely verified through Ai-powered document verification and can perform their transactions with confidence.  

Steps for verification and detection by AI :
Keeping in view the current developments in digital technology, fraudsters are head to head with security systems. By using sophisticated means to create illegitimate documents they try to bypass the verification process. Not to forget, artificial intelligence has a solution for that as well. Here are some types of ill-created documents which are detected and taken down by AI-powered document verification as follows.

  • Fake Documents –
    These are documents physically stolen from someone else and used to bypass document verification systems. Although they are not forged or altered, the intention of using them is still illegal that makes using false documents a bad practice.
  • Illegal Documents –
    These types of documents have an important feature missing such as a hologram, MRZ code, or a rainbow print. The lack of these standard marks shows that the document is not fit for validating someone’s identity.
  • Altered Documents –
    Often photo-shopped and modified documents are used to fool the verification system. These IDs are altered in such a way that it becomes increasingly difficult for manual verification experts to detect the change. But when it comes to AI-backed document verification, these modifications could be spotted way better.
  • Scaling Document Verification with AI –
    Document verification solutions powered by AI-based models look for certain parameters and elements when validating customer identity through their ID documents. Models based on machine learning look for various features in a document to assess whether it is original and authentic or not. 

Evaluation process :
Below are some checks that show the elements evaluated in the process as follows.

  1. Format Verification –
    The document verification solution looks for the format of the submitted document. For example, if the end-user submits a passport from the US, the system will compare the user’s documents against all possible parameters of how a US passport looks like.
  2. MRZ codes –
    One important thing that AI-based document verification checks for is the validation codes on an identity document, for example, QR code and the MRZ (Machine Readable Zone) code. These features give details about the user and the document which are later used in identity verification.
  3. Edge Detection –
    Digital document verification checks if documents edges are folded, crumpled, or not displayed properly. These help in checking if the user has hidden any information that can be used to detect a fraud attempt.  
  4. Possible Modifications –
    Fraudsters may alter a document using Photoshop or create an imitation of an authentic document. To detect possible forgery and tampering of a document, AI checks can help a lot.

Conclusion :
To sum it up, AI-powered document verification helps take down identity theft by scanning through various elements in a user’s ID document and verifying their identity. 

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