As presented at the European Association for Biometrics (EAB) event "Biometrics in Banking and Payments" in London on 17 November 2017.

1. Digital onboarding
selfie-check with passport, a case study
Maarten Wegdam, InnoValor/ReadID
17 November 2017, EAB Biometrics in Banking and Payments, London

2. Digital Identity,
privacy & trust
Digital
agility
ReadID – mobile identity
verification software
Digitalization in networks of organizations

3. Digital onboarding:
the missing link

4. “Anything to avoid going to a bank“

5. Digital onboarding
ID document verification
Holder verification
+
Do you exist? /
identification
Are you you? /
verification

6. Leverage what people have: ePassport + smartphone
+

7. ePassport
verify authenticity,
cloning protection
digitally signed personal information:
name, birthdate, personal number etc
digitally signed
high-resolution photo
Basic Access Control
to protect privacy
NFC/RFID

9. Use case
Online identification for banks
+

10. Demo video

11. Log in
Identify with ID card,
passport or driving license
Animation showing how to
scan the MRZ of a passport

12. The reading of the chip
(~8-10s)
The scan results Animation showing how to
read the RFID chip using NFC

13. The chip reading and
verification results
The facial recognition
animation
The facial recognition about
to start

14. The facial recognition
(liveness flashes)
The identification is done,
user closes app

15. 7 Lessons learned
1. Guidance through animations
2. Good photo to compare to (false rejects!)

16. 7 Lessons learned
1. Guidance through animations, no text ...
2. Good photo to compare to (false rejects!)
3. Face image can be 9 years old …
4. Key is liveness / anti-spoofing / not-present-attacks
5. Server-side, contrary to client-side: security vs privacy
6. Not (yet) for everyone: smartphone, ID document,
lightning, false rejects
7. Driver: user convenience, security, costs

17. Wrap-up
Digital onboarding leveraging what you have:
contactless chip and NFC on smartphone!
Together with selfie with liveness
https://goo.gl/agrphb
(search for InnoValor)
readid@innovalor.nl /
maarten.wegdam@innovalor.nl
http://readid.com
https://youtu.be/j92z37G_KSk