When considering implementing identity verification solutions for an organisation, multiple options are available. These options span from straightforward to highly complex techniques and from conventional to advanced methods. However, despite not being particularly enticing, document verification is important when combined with other verification methods. Document checking can be regarded as a genuine solution, and its significance shouldn’t be underestimated.
Understand the Phenomenon Behind Document Verification
Document verification involves examining the legitimacy of various documents, including employment records, bank statements, and business documents. Many businesses incorporate document verification as an integral component of their comprehensive identity verification protocols and other verification methods.
Whilst document verification can be conducted both in physical and digital settings, it’s primarily associated with digital or online document verification.
Regardless of the scenario, document verification usually follows the same process:
- The individuals supply data about themselves as a part of the account creation procedure. The specific information collected by businesses may vary, but it typically includes user details such as an address, name, date of birth, and social security number (SSN), among other relevant data.
- Next, the user will be prompted to submit a supporting document that validates the information previously provided. As an example, the user may be asked to provide their birth certificate and proof of address to confirm their age and date of birth.
- The provided data undergoes verification processes to ensure its authenticity and to prevent any instances of forgery.
- If the information is successfully verified, it acts as proof that the document provided by the user is authentic.
The Process of Online Document Verification
The functioning of a document verification service varies depending on several factors, such as the industry in which a business operates and the specific types of documents that the company needs to handle. The process of online document verification can be broken down into four distinct steps
- Data Accumulation
- Uproot Data
- Document Validation
- Manual Verification
- Data Accumulation
The initial step in the document verification process involves collecting the document from the user. There are various methods to accomplish this, but it typically entails requesting the user to capture and upload one or multiple document pictures.
After the individual submits the document, it undergoes pre-processing and analysis to ensure compliance with the business’s established criteria. Is it truly a picture of the needed document? Is the photo of sufficient clarity and quality? Does the image encompass the entire document or only a portion of it? Are there any noticeable indications of a document or photo tampering? Is the document equipped with the necessary information for verification purposes?
Documents that fail to meet these requirements for any reason will be rejected.
- Uproot Data
When a user submits a document for verification, it is usually in the form of a photo. To retrieve the information stored in the document, data extraction becomes necessary. This extraction process can be carried out through various methods, including Optical Character Recognition (OCR), pattern recognition, and other techniques.
After extracting all the pertinent data, it is cross-referenced with any information provided by the user. For instance, if the user has submitted a utility bill as proof of address, the address stated in the document will be compared to the initially provided address.
Discrepancies between the user-supplied data and the data within the document should be flagged as a potential issue. While these discrepancies may indicate an input error, they could also indicate fraud.
- Document Validation
Moving forward, the subsequent step in the process entails authenticating the provided document. This involves conducting a range of validation checks, which can vary depending on the type of document being verified and may encompass numerous checks, potentially reaching hundreds in number.
Common Validation includes:
Document Completion: Have all the necessary pages of the document been uploaded in the case of multi-page documents?
Edge Recognition and Cropping: Are there any indications of cropping or tampering with the edges of the document?
Special Feature Identification: Official documents, like government ID cards, are deliberately designed with a variety of security features that are essential to prevent duplication. These features encompass holograms, foils, distinct textures, watermarks, and more. Implementing these measures aims to enhance the integrity and authenticity of the documents, rendering them challenging to falsify or tamper with.
Colour Space Analysis: Aspects such as the colour, shadows, and lighting in a picture provide additional contextual information that can indicate whether a document is forged, legitimate, or tampered with.
Document authentication service plays a crucial role in preventing scammer activities and upholding the accuracy of information. By conducting thorough checks on document reliability, companies can establish trust, prevent identity theft, and meet regulatory requirements. Document verification is essential for organisations across industries to safeguard data integrity and fortify their operations against potential threats.