Verifying the Identity of a Remote Customer
A major challenge for organizations selling online, with a high risk of identity fraud. This solution is the first platform to natively integrate a full catalog of identity verification methods to a significant degree.
Identity Proofing in Detail
Transformation and fluidity of digital paths with a simple and secure electronic signature coupled with automated machine learning verifications. Regulatory compliance and anti-fraud, with verification of client’s identity associated with completeness, compliance and document fraud monitoring.
The solution is an API software-as-a-service (SaaS) platform and addresses main contracting challenges by providing the following benefits: remote identity verification, remote e-signature, and automated verification of supporting documents.
A true omnichannel solution (both remote and face-to-face) that can be used as a white label for one of these needs or for the whole fully integrated.
A catalog of identification methods including verification of identity documents that recognize individuals and electronic registered letter (ERL), which can be used if desired to prevent forgery or identity theft, ensure a high level of security and certification to your remote electronic signature and help you to choose your regulatory compliance strategy, depending on the situation.
Whether it’s fraud prevention or regulatory compliance, the Identity Proofing solution is constantly being adapted to technological and regulatory developments. You can focus on your business knowing you are compliant with the relevant regulations.
Identification of a person with a Qualified Electronic Signature (QES Ident) uses a fully automated identity verification process (IDC) and qualified short-term certificates that do not require the creation of additional user accounts. QES Ident works with an SMS OTP for execution and can be used in all countries that comply with the eIDAS regulation. It is an alternative identification method to Electronic Know Your Customer (eKYC) methods, making it easy and convenient to identify users even in web browsers. For this solution, we offer combinations of photo and video identification, facial biometric verification, liveness detection, and an optional orchestration layer to make the process as simple as possible.
Automated Verification of Receipts
It allows a 100% automatic analysis of the image quality of the submitted documents and their validity and consistency in relation to the information submitted. The authenticity of the received documents is checked (security elements, connection to external databases, etc.) in order to uncover attempts at file fraud. Your regulatory obligations are thus automated and your risk of fraud is significantly reduced.
Customer Success Stories
Bessé Immobilier & Construction
The Vertuloo platform meets the needs of rental management and is the first French rental document selection platform dedicated exclusively to property managers. It offers an automated check of the authenticity and correctness of the documents in the tenant file. Vertuloo uses artificial intelligence that enables real-time document verification and generates a more pragmatic and secure analysis of potential tenants’ solvency. By embedding the Identity Proofing solution into document verification and combining the additional verifications that Bessé itself developed on the platform, this partnership is part of a logic of building together a coherent set of control systems.
CNP Assurance Group
A pioneer in the French personal insurance market, it has distinguished itself in its partnership strategy by strengthening its historical offering with digitized underwriting processes. The conclusion of independently regulated products requires not only the electronic signature of documents, but also the submission of a file with supporting documents (DDA, KYC, solvency, etc.). This results in a very significant rate of incomplete and/or non-compliant files, in addition to increased abandonment associated with digital-to-paper collapse. Faced with the great work required for the technological development of a robust model combining KYC and user experience. The new login method from the Identity Proofing solution was put into production in less than three months and the first tests were successful.
Franfinance
Franfinance is a financing company and wholly owned subsidiary of Société Générale, specializing in the marketing of consumer credit. It makes 100% online loan offers on its website. The company has placed digital transactions at the heart of its customer strategy. In 2011, it introduced the electronic signature and four years later proposed the first “fully digital” application process based on the Identity Proofing solution. The solution, which combines electronic signature and KYC, enables the automatic verification of receipts thanks to artificial intelligence. The process helps to optimize the customer experience, control fraud and ensure regulatory compliance.
Served Industries and Use Cases
A major challenge for organizations operating online, with a high risk of identity fraud. Check how it can help in your industry.
- Automate processes
- Improve customer experience
- Verification of credentials
- Fight fraud and identity theft
- Centralized GDPR Compliant Document Management
- 100% digital onboarding solution for rental
- Comply with regulations
- Identity control
- Improve customer experience
- Fight against fraud
- Trust enhancement to connect people online
- Fluent user experience
- Fight identity theft
- Safety and consumer protection
- A better user experience in a regulatory framework
- Support to digitize processes
- Comply with regulations
- Improve online customer journeys
- Fight against document fraud
- Accessibility and availability to citizens
- Digital identity and verification of ID documents
- Physical validation of the user via facial recognition
- Strong user identification
- Comply with regulatory obligations
- Simplify and facilitate the booking and boarding processes
- High quality and fast user experience
- Secure and easy document review
Identity Proofing Highlights
The Identity Proofing solution is the first platform to natively integrate a full catalog of identity verification methods to a significant degree. Check out all the key benefits.
A Secure Electronic Signature Certified at European Level (eIDAS Regulation)
We go further by connecting a “legal protection” that combines support in case of litigation and financial security if its electronic signature is definitively rejected during legal proceedings.
Flexible Workflow
An intelligent reminder and notification system offers maximum flexibility in the implementation of cross-channel workflows (email, SMS, webhook). Plus, an integrated reporting and tracking system allows you to monitor production and receive regular summary of activities.
Total Control Over a Technical Platform
Both in terms of regulatory constraints and technological choices, it guarantees the following from start to finish: a smooth and seamless user experience, the level of security and creation of digital evidence, an unparalleled service availability rate (99.98% in 2021), and 100% in-house development.
Type and Validity of Documents Submitted
The second step is to check whether the documents submitted correspond to those expected and are valid. The currently recognized documents are: identity documents (ID card, passport, residence card, driver’s license), RIB bank reference, payslip, tax assessment, telecom bill, invoice and energy billing plan, registration certificate, and property tax.
Image Quality
The first step in the process is to check the quality of the submitted images (resolution, blur, noise and contrast level). If the image quality is not good enough to be processed, a clear message will explain how the user can improve the submission.
Works in Full Web on Any Smartphone or Computer
Graphical user interface that allows you to take the investigation in your hands and to industrialize it for a better operational efficiency.
File Consistency
In the third step, the data retrieved from the documents is compared with the information in the file. On all documents, these are primarily the surname, first name and address of the customer, but also date of birth and gender on ID documents.
Authenticity
In a fourth step, the authenticity of the submitted documentation is analyzed. These checks are specific to each document (security elements, connection to external repositories, etc.).
Identity Proofing Flexibility
To collect and monitor complex electronic documents, or simply verify an identity and perform an electronic signature, the solution is scalable and can be integrated according to your needs.
We provide white label APIs and graphical interfaces. Back office software allows you to view the incoming files and validate their completeness and conformity as well as the authenticity of identities and documents.
As SaaS solution, the API allows 100% automatic analysis of the image quality of the documents sent, as well as their validity and consistency in relation to the information transmitted during the call.
We can provide users with real-time support when submitting documents, thus guaranteeing a complete and compliant customer file.
Web App
Want to get started as soon as possible? It’s easy! Insert a link to our Web App into one of your pages and you are good to go.
iFrame
Want something more integrated and transparent for your users? Our web components can be inserted into your web pages to ensure the smoothest possible customer experience.
REST API
Would you like to integrate our functions into the core of your application? Our APIs give you access to all of our services.
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