As transactions and agreements are mostly done and processed online over the years, it is important to seek ways on how to authenticate and verify online documents. This is primarily because the documents being digitally processed can easily be subject to fraud. For this reason, the practice of establishing a document’s authenticity in different ways has been deemed to be a significant measure to reduce the risk of being involved in fraudulence.
In the current setting of remote onboarding, online document verification has actually been developed into a handy tool that replaces the requirement for in-person verification. The process of document validation involves a number of potential validation tests that scan the ID and assess its authenticity by contrasting it with data from a database.
Actually, the demand is constantly growing for internet services and goods. Businesses must now use an online site to verify consumers’ identities as a result of the transition to using online platforms. Businesses, then, must employ online document verification in order to guarantee safety, prevent service abuse, and provide better client experiences. Ride-sharing apps, for instance. They require online document verification to guarantee that the rider and the driver are both real people. Online document verification is crucial to preventing online identity theft and enhancing online security.
All this being said, providers have started emphasizing verification as a crucial step in the authentication and identity process, as a means of combining the advantages of physical document verification with digital platforms.
Furthermore, there are actually some ways to verify online documents. These include facial detection, data correlation, document scanning and fraud detection, database checks, and selfie liveness and ID checks. All of these ways are beneficial for authenticating a specific online document that is significant for a certain business process.
Facial Detection
Documents with photos that contain vital data, such as IDs, provide critical information for identity confirmation. The capacity to extract visual data from the ID and match it with internal images is actually a common feature of these identity verification systems. To do this, you have to match the user’s face to the document’s portrait. Comparing an ID photo to a customer’s uploaded selfie is another technique to confirm the legitimacy of a document. The user is the true owner of the submitted document if the attributes on these two photos match.
Furthermore, designing technologies and workflows to aid in the development of electronic documents, known as document process automation, comprise logic-based systems that piece together new documents from bits of text and data that already exist. In some businesses, it is becoming more common to put together letters, contracts, and legal documents using this method. Automation solutions enable businesses to reduce the amount of data entering, the amount of time spent proofreading, and the dangers posed by human error.
Data Correlation
Having multiple forms of official ID is helpful for verifying a person’s identity. When one ID has information on both sides of the card, there is a linked information on it. Thus, it can be difficult to match that information to information on another ID. With a solution that correlates the data, it is easy to see if they match and it reduces errors. For this reason, it can guarantee that the ID is legitimate, and that it references a given user.
Document Scanning and Fraud Detection
One of the most effective ways to prevent identity theft is to ensure you document the identity of any person you are going to be financially in contact with. This is done with the use of an identity scanner. Document scanners read and capture identity information on personal documents, such as a driver’s license or a passport. .These scanners will also detect forged papers using watermarks or other pattern recognition techniques. Furthermore, through this process, unique identifiers, such as the document’s ID number, are captured and linked to a database of information. Scanners can also notice fraudulent documents through watermarks or other forms of pattern recognition.
Database Checks
The scanned document may be compared to details about thousands of IDs in a national database, depending on the service provider. Verification solutions frequently have access to multiple national databases, or even protected versions of these databases, as a means of validating these papers. This is because a scan of a national ID would require verification through government databases. And because more documents typically equate to broader coverage for customers worldwide, several document verification solutions advertise that they can check thousands of different types of documents.
Selfie Liveness and ID Checks
As part of advanced biometrics and authentication, these systems frequently incorporate picture checks against user selfies taken on mobile devices . Along with liveness testing to confirm that the correct user is there and avoid spoofing, this will provide instant image comparisons against IDs to connect biometrics and document verification.
Moreover, to ensure uniformity, compare the ID data. Each ID has the person’s personal information encoded in some way, such as a barcode or a Machine Readable Zone (MRZ). Any discrepancy between this data and the data printed on the remaining pages of the document is proof that the document has been tampered with.
Key Takeaway
One of the main problems facing modern authentication and identity management would be resisting modern fraud. Major issues that many platforms are ill-equipped to address include identity spoofing, credential theft, and identity theft. Because it requires a mix of multi-factor authentication and biometrics, combined with frictionless identity and document verification and liveness testing, you must take whatever steps are necessary to verify online documents at all costs.
