Service Providers

Third-party components of Microblink and iProov, which are integral parts of the verification process, have been proven by application in many banks, telco operators, and health and state institutions and have successfully authenticated milions of users worldwide.

Microblink

Microblink stands at the forefront of computer vision and AI, processing over 3 bilion identity documents to power 124 milion user experiences across more than 20 industries. Their products offer unparalleled efficiency in automated ID detection, data extraction with over 95% accuracy and ID authentication. Their technology significantly enhances user experiences by facilitating faster document processing, superior accurancy, and comprehensive verification capabilities, establishing Microblink as a critical provider in various sectors seeking reliable and efficient identity verification solutions.

Microblink is ISO 27001 certified, with an ISO/IEC 27701 extension, ensuring compliance with both information security management and privacy information management standards.

ID Documents Verification

A third-party component provided by Microblink. Microblink BlinkID includes document verification, OCR, and verified photo extraction. The most common types of the user document are supported. Microblink also, upon request, adds a new kind of document each quarter. The training of the Microblink model is based on multiple specimens - Microblink has a process for collecting new specimens; for some exotic types of documents, the specimen can also be collected by the customers.

Key features:

• User-Friendly: Simplifies onboarding with a straightforward scanning process, supported by real-time error messaging for optimal document positioning.
• Automatic Detection: Recognizes, classifies, and extracts data from any global identity document automatically, without the need for manual document selection.
• High-Accuracy: Ensures high accuracy rates in data extraction, far surpassing manual entry methods.
• Customizable UI: Offers customizable options for fonts, colours, and icons to align with brand aesthetics.
• Multiple Integration Options: Flexible integration choices to fit business needs, including cross-platform mobile apps built with React Native, cloud-based APIs, browser-based web applications, and more.

AI Fraud Detection Microblink’s BlinkID Verify, powered by advanced artificial intelligence, offers a comprehensive solution for accurately authenticating identity documents. This tool conducts both non-forensic and forensic inspections, guaranteeing the verification of document authenticity with unmatched precision. With an AI-driven approach, BlinkID Verify is capable of detecting up to 99% of fraudulent documents through detailed analysis of the data visually present on the ID, including barcodes and machine-readable zones (MRZs). The solution is designed to meet both high conversion and high assurance requirements, allowing you to fine-tune the certainty and thresholds for each security check. The verification process requires no active participation from users to enhance the overall experience.

BlinkID Verify begins by evaluating the image quality of photo IDs (factors like blur, glare, lighting conditions and resolution) and then performs in real-time and in a fully automated way a series of document checks, such as:

• Screen Detection: Detects IDs presented on a screen.
• Photocopy Detection: Evaluates if an ID is a color or B&W photocopy.
• Barcode checks: AAMVA barcode analysis with high precision.
• Visual checks: The face photo and ID’s unique static elements analysis.
• Data checks: Data consistency, formatting accuracy and logical structure assessments.

iProov

iProov is pioneering global technology company recognized as the leader in biometric face verification and authentication. Their flagship Dynamic Liveness technology ensures that an online user is the right person, real, and authenticating in real-time, effectively guarding against imposters and cyber threats. Founded in 2011 with offices in London, Maryland, and Singapore, iProov serves various sectors, including governments, financial services, and heathcare, making it a key player in securing online identities and transactions.

iProov’s commitment to security and compliance is demonstrated by the following certifications:

• ISO 27001:2013 Certification: Ensures adherence to international standards for information security management.
• FIDO Certification: iProov Dynamic Liveness® is the world’s first FIDO-certified solution for remote face verification accredited by Ingenium Biometrics.
• iBeta level 1 and Level 2 Certification: Achieved for Presentation Attack Detection, ensuring robust protection against spoofing attempts.
• National Security testing: Successfully red-team tested to meet national security standards for the UK Home Office, Singapore Government, Australian Government, and U.S. Department of homeland Security.
• European GDPR Compliance: Fully compliant with European GDPR regulations to ensure data privacy and protection.

Advanced Facial BiometricsAnchor link

A third-party component provided by iProov that provides advanced liveness detection and verification based on the user’s verified documents. The device-agnostic process conforms with accessibility guidelines WCAG 2.2 A and enables individuals to securely verify their identity, irrespective of age, gender, cognitive ability, or skin tone.

Types of liveness detection:

• Express Liveness Detection: Individuals take a near-instant face capture. Multi-frame liveness detection analyzes the imagery for spoofs presented to the camera, such as 2D and 3D masks, photos, and presented videos, and the device for spoofs injected into the system, like emulators, virtual cameras, and man-in-the-middle attacks.
• Dynamic Liveness detection: For the highest identity assurance, patented Flashmark technology sends a unique color code to the device. The reflection of light confirms the individual is authenticating in real time, delivering advanced protection against AI-generated attacks, like deepfakes.

Proven Performence and Accuracy

The effectiveness is measured by key performance indicators that ensure both security and usability. iProov’s technology achieves:

• Pass Rate: > 98% with an average of 1.08 - 1.22 attempts, based on in-production results, ensuring a great user experience.
• False Acceptance Rate (FAR): < 0.004% (1 in 25,000), minimizing the risk of unauthorized access.
• False Rejection Rate (FRR): < 3%, balancing security with user convenience.
• Bona Fide presentation Classification Error Rate (BPCER): < 0.5%, accurately identifying genuine users while reducing unnecessary rejections.
• Attack Presentation Classification (APCER): < 0.25%, effectively detecting spoofing attempts and preventing fraud.