Account opening with liveness and ID document
Know that the person opening the account is alive, present and the one on the ID — and keep the face enrollment for later authentications.
- A selfie is not livenessA printed photo, or one shown on another screen, passes a simple face comparison.
- Good customers rejectedA rejection with no reason turns into drop-off, support tickets and public complaints.
- Fraud with someone else's identityPhotos of real people are sold to open accounts in their name.
Three screens, one decision
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The suggested policy
A starting point for this solution. Everything is adjustable in the console, with no deploy, and every session records the policy that applied.
FlowONBOARDING
Save face enrollment on approvalyes
Reject expired IDyes
Attempts per session3
Gray zonehuman review
Questions about this solution
Do I need the ID document for every authentication?
No. The ID comes in once, at account opening; after that, authentication compares against the face enrollment.
What if the ID is old?
A comparison against an old photo tends to land in the gray zone, which goes to human review instead of being rejected.
Does it work without an app?
Yes, in the browser on a phone or a computer.