# About identity verification

Signicat's own identity verification solution, Assure, drastically simplifies the onboarding process in many industries like banking and finance.

This topic gives a high-level introduction to an onboarding use case and an overview of services you may include in such an onboarding process.

# Use case for onboarding a new customer

Picture a potential customer, let’s call her Claire, who wants to open a new online bank account. The bank might want to take several different steps to ensure that it is indeed Claire who is opening this account. The following is just one of many possible workflows.

# End-user perspective

  1. Claire enters the bank’s online website and selects “Become a customer”.
  2. The bank asks Claire to provide some basic information about herself, such as her full name, date of birth, and address.
  3. The bank asks Claire to identify herself with an eID method, e.g. the Dutch iDIN.
  4. The bank asks Claire to identify herself using her passport and take a selfie.
  5. The identity verification is finished and Claire can continue as a new customer of the bank.

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# Bank's perspective

  1. A new user, Claire, wants to become a customer in the bank.
  2. The bank initially collects information from Claire in a form on the website, among the information her full name, date of birth, and address.
  3. Based on the type of customer relationship, risk profile and regulatory requirements the bank decides on the necessary steps in the customer due diligence process.
  4. Now the bank calls Assure API to create a dossier, which is a container for all information needed to perform the identity verification.
  5. The bank submits relevant information about Claire as user data to Claire’s dossier in the Assure API.
  6. Since Claire is a citizen of the Netherlands, the bank uses iDIN as eID scheme. This constitutes a strong identity verification method in the Netherlands. The bank creates an iDIN process within Assure API, which stores the results of the iDIN transaction in Claire’s dossier.
  7. Because of local regulations, iDIN in itself is not sufficient to meet the requirements. The bank, therefore, asks Claire to use her passport to further prove her identity. The bank creates a process using one of the available electronic Identity Document Verification (eIDV) methods. The result of the method returns the information from the identity document and the result of the face match and liveness detection to Claire’s dossier.
  8. The bank now has sufficient information about Claire and now must perform corroboration on the captured data. The bank uses Assure APIs corroboration functionality, e.g. matching to compare the information stored in the user data with the data from the iDIN and eIDV processes. The bank parses the responses and based on internal business logic, the bank’s risk engine decides that it can continue the business process and make Claire a customer of the bank.
  9. The necessary identity information is used to establish an identity in the bank’s identity store and the relevant proof is extracted from the Assure API. The bank then sends a delete request to permanently delete all of Claires PII data from Signicat's platform.

# Overview of identity verification services

The Signicat Assure API integrates with multiples eIDV and eID services to verify the identity of your customers.

# Electronic Identity Document Verification (eIDV)

You can use an Electronic Identity Document Verification (eIDV) service to verify an end-user’s identity by scanning and checking the information of an ID document. Such a service can also offer other types of verification services, such as facial similarity check and/or liveness check.

The Signicat Assure API enables you to combine a wide range of identity document verification mechanisms such as NFC reading of passports, fully automated verification using AI, and manual verification performed by agents, based on the specific requirements for each individual end-user identity being verified.

Leading providers such as Onfido (opens new window)Electronic IDentification (opens new window) and ReadID (opens new window) as well as Signicat Paper (opens new window) are integrated and ready to be used in the Assure API.

Being a single point of integration across providers, the Assure API dramatically reduces integration and maintenance of the identity assurance of end-users and allows companies to strike the right balance of risk, user experience and cost.

# Supported eIDV providers

Below is a list of eIDV providers currently integrated with the Assure API and the services they provide.

Provider Process type OCR + verification Facial similarity Liveness check Other
Onfido (opens new window) document X
documentSelfie X X
documentVideo X X X
Electronic IDentification (opens new window) substantial X X X
unattended X X X Manual review by a support agent
attended X X X Live interview with a support agent
ReadID (opens new window) sdk X NFC reading of ID document's chip. This requires integration with ReadID's SDK.
ready X NFC reading of ID document's chip. Allows the end-user to use the ReadID Ready app (opens new window) to scan the document.
Signicat Paper (opens new window) X Redaction of ID images

# Electronic Identity (eID)

Assure API allows to obtain identity information from ID methods and to match and corroborate the obtained data from these sources.

# Supported eID providers

Assure API supports eID providers like iDIN, Norwegian BankID and NemID. Please check the eID documentation for a full list of the eID providers currently supported by Signicat. Most of these eID methods are available through Assure API. For details, contact support@signicat.com. Internally to the Assure API, you must use the Connect service from Signicat to access those eID services.

Last updated: 12/9/2020, 3:47:39 PM