Scanning, copying, uploading or posting documents could be a complex and tedious task for many customers, which may be a good reason to abandon the transaction. On the other hand a sophisticated document review requires trained teams within a company to process incoming documents in detail. The cross checking of documents with the already provided application data is time consuming and error-prone.
This situation is applicable not only for e-commerce and online banking but also for the captive auto and insurance industry when it comes to customer management at the POS.
The new service of CRIF in Austria, the so called IdentCheck, provides a tailored and yet simple solution to this scenario and consists of three different modules:
  • ID Document Verification: by offering a global coverage, more than 3500 document types from over 200 countries can be checked. ID documents are verified and returned in minutes. You can choose between Basic, Basic Plus and Full Checks for maximum cost effectiveness.
  • Intelligent Data Capture: No more forms to fill in. The information is extracted and sent back to user for confirmation.
  • Face recognition (currently in beta phase): by holding the camera of your pc or mobile device in front of your face, the program verifies if the given document belongs to the actual person.
This solution allows you to benefit from a series of advantages:
  • It makes the capturing of data in an environment where the customer is not present more convenient. This includes all processes where it is currently necessary to type in data and additionally upload or send an ID scan via email.
  • POS processes, online as well as face2face, can be easily automatized.
  • The OCR function allows to avoid typos and to do basic consistency checks. Furthermore all the other CRIF services can be started by retrieving via OCR the personal information from the picture of the ID document. Just think about holding a passport into a camera and an identification service and a credit check will be started automatically.
  • IdentCheck is also designed to discourage identity fraud.
  • In addition it is also possible to retrieve IBAN and BIC codes automatically from a picture of a debit card which is of significance when it comes to e-commerce environments where SEPA direct debit is chosen as a means of payment.
You can integrate IdentCheck in your processes via a web application where the documents get scanned with the webcam or via a mobile app by using a smartphone or tablet. We are also offering a batch operation where scanned or photographed documents are read automatically and can be processed in high volumes. Results are delivered back as a file or using a SOAP Interface and can be viewed via the web application as well.
 
For more information: info-e.at@crif.com
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