Enhancing the Security of Identity Document Verification


What is an Identity Document?

In a world where there are about 7 billion faces, identity each one is a tough task. All the governments and businesses have agreed that identity documents will be used for this proof. 

An identity document is a paper or a certificate that can have the full name, father’s name, date of birth, gender, nationality, and address data. It is issued by a government authority when a citizen reaches a specific age (18 or 16). Issuance and expiry date is also an essential requirement of an identity document, usually, the validity lies between 5 and 10 years. The validity time depends on which state has issued this. It has a unique national identity number. In a couple of decades, states are also pasting a facial photograph on an identity document which is now called a photo ID. 

Below are the types of ID Documents:

  • ID Card: It is a primary ID document, issued to every citizen by the government. 
  • Passport: It is like an international ID document that is used to identify foreigners or travelers also known as a travel document. It is issued when a person requests this. It is in the form of a small booklet having multiple pages for visa stamps.
  • Driving License: It is a permission letter that a person can drive specified vehicles within the country’s borders. It is issued after examining the driving skills and is in the form of a card.

Identity Verification through Documents

As discussed earlier, identity documents can verify the identity of a person. It is very essential in Know Your Customer (KYC), where customers’ identity is marked using it. They have to upload a photo of the ID document to the KYC verification software.

In KYC, a person’s identity and personal information are confirmed. To eliminate identity frauds such as identity theft and fake identities, businesses use KYC. All financial services providers must perform KYC on every new and existing customer. The obligation is set by global financial law enforcers.

Below are the verifications performed by KYC software:

Personal Information: Personal information like full name and father’s name is ratified.

Age: Businesses require their customer to fall under a particular age range. For this, the age is calculated using the current date and birthdate. Then it is checked that it is within the age limit set by the business or not.

Address: Businesses need to know where their customers live. The address data is checked and confirmed. E-commerce companies and shipment businesses require this service more significantly.

Issuance and Expiry Date: For a business that deals with sensitive services like banks. They verify the expiry date before processing large transactions. Also, a travel company has to check the validity of their drivers’ license.

KYC also encourages legitimate customers to deal with more confidence because it is protecting their information. A business using KYC services can have an enhanced customer experience and greater compliance with KYC laws.

NFC- The Future of Identity Documents

Near field, communication is a technology that gives ease of contactless data transfer in a short range. Initially, it was used in credit/debit cards for payments at POS terminals. Now it is also used for mobile funds transfer.

Some governments have incorporated NFC chips in ID cards and the others are planning to. The reason for this is, data can be extracted through NFC chips rather than MRZ code or character recognition. NFC increases the security of information extraction during document verification. Uploading ID pictures to websites have many security concerns. If that website is hacked or run by scammers, the personal information of a person will be compromised. Now the data can be uploaded through NFC chips using mobile phones. Companies have integrated NFC scanners in almost all mobile phones. It becomes easy for customers to tap their ID cards on NFC readers instead of uploading images. There are 20 billion  NFC-powered devices, mostly smartphones.

Wrapping It Up

KYC solution providers should use NFC technology for document verification. This process is quick and more convenient. That’s why customers welcome this modification happily.

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