Liveness testing, also known as facial liveness, is a key authentication step in the identity verification process that determines if the face being presented during onboarding is live. This check protects against fraudsters who may try to trick the system by using a digital or physical representation of another individual (e.g. a photo or a video).
How Does ID-Pal’s Liveness Testing Work?
During the identity verification process, ID-Pal combines multiple cutting-edge technologies to deliver industry-leading accuracy in verification outcomes. Liveness testing is one of these technologies that enables ID-Pal to deliver next level fraud protection for businesses.
ID-Pal’s identity verification solution uses iBeta certified liveness testing software to confirm that the person submitting the identity information is a real live person.
ID-Pal has 2 types of Liveness Testing available on the platform – Active liveness & Passive liveness.
- Active Liveness leverages software that detects things such as facial gestures, eye movement and lip movement. This method requires a user to complete an action of some ort to confirm that they are real – e.g. blinking when completing the Liveness step.
- Passive Liveness does not require the user to complete any action, This type of liveness test can be carried out in a number of different ways, including but not limited to: light exposure variation, micro-movement detection, depth measurement etc. There are a number of advantages to this method, from both a user experience and security standpoint.
Simpler User Experience: Minimal effort required from the end user makes the process simpler and more convenient, resulting in more customers completing the onboarding process.
More Secure: The fact that this method can be carried out in a number of different ways makes it harder for fraudsters to succeed at tricking the system as they do not know which technique is in place, making this method typically more secure than Active Liveness.
Speed: Passive Liveness tends to be faster than Active solutions.
ID-Pal’s Passive Liveness software is iBeta Level 1 and Level 2 quality assured. Liveness tests are susceptible to “Presentation Attacks”. In order to pass iBeta Certification you have to beat all known Presentation Attacks. ID-PA’s Passive Liveness software is iBeta quality assured. iBeta Quality Assurance is a uniquely accredited third-party biometrics testing lap and works with a wide variety of biometric technology companies to ensure their products function to the highest standards. iBeta Quality Assurance has received a Mastercard accreditation for it biometrics test lab. The approved scope of the independent testing facility includes biometrics testing for mobile and wearable devices using the modalities of facial recognition, palm recognition, voice recognition and fingerprint recognition.
Level 2 PAD – [Presentation Attack Detection]. On each smartphone used in the test, iBeta was not able to gain unauthorized access (simulated enrolment) with a presentation attack 150 times with each of 5 species of attacks. With 150 attempts for each species, the total number of attacks were 1500 (750 per device) and the Presentation Attack (PA) success rate was 0%.
Blending Liveness Testing with biometric facial matching and document verification, ID-Pal confirms not only that the person providing the information is present, but that they are the true owner of the documentation and that the documentation is authentic.
Seamless and Simple
The ID-Pal customer app and unique business portal provide the easiest way to verify identities. Customers can securely capture and submit their information in seconds, using in app that is so slick it won Best Customer-Facing Experience.
ID-Pal’s identity verification solution is technology-first which enable it to deliver real-time verification. Other providers may rely on Human Assisted AI, which risks delays, human error and data flight. With ID-Pal verification is secure and instant.
Meet AML and KYC compliance requirements without the hassle with multi-layered biometric, document and database checks. ID-Pal’s industry-leading accuracy provides peace of mind that your business is protected from fraud.
Unique Blend of Technologies
ID-Pal’s identity verification solution delivers enhanced verification and fraud protection by engaging a unique blend of technologies to combat fraudsters and give you peace of mind.
Facial Matching Biometrics
Comprehensive 50-point biometric facial comparison ensures that the true owner of the identity document is present.
Data-base matching of customers’ name and address provides additional level of fraud protection.
Each document is submitted to a suite of rigorous technical checks to ensure it has not been forged or tampered with.
Unique Multi-layered Verification
Many companies use either document checks or database checks as their method of identity verification. ID-Pal provides a deeper level of enhanced verification.
Our experience of working with the team in ID-Pal was 100% positive. I found every member of the team attentive to BDO’s client and team needs. ID-Pal were professional, open-minded, and available to talk to me whenever needed. Our ask was very clear, in that we required a more efficient, effective and secure KYC process, supported by a client-friendly cloud-based application. Once we decided to adopt ID-Pal, the overall “to market” timeline can be measured in weeks. ID-Pal has proven itself to be an agile, yet fully compliant partner, evidenced by BDO Ireland’s seamless adoption across all departments.