How Facial Recognition Technology Solves the ID Verification Challenge

High-profile data breaches, the evolving sophistication of hackers, the increasing complexity of regulatory frameworks – the digital landscape is indeed wrought with challenges for companies across industries striving to streamline ID verification for customers and regulators. While it used to be considered a behind-the-scenes step, companies are now seeing the identity verification process as a competitive differentiator – using it to showcase the importance they place on protecting customer data and personally identifiable information (PII).

However, even with growing security concerns, today’s customers still expect frictionless and convenient onboarding, and simple and efficient experiences while conducting day-to-day transactions. Yet, for every new regulatory hoop companies must jump through, every new cybersecurity risk identified, every new identity fraud threat recognised – the gap between customer-friendly account set-up and login processes widens. As such, organisations across the board – from banking to insurance, healthcare, retail and government – need a new approach to ID verification. Biometric facial recognition technology is quickly becoming recognised as a powerful and reliable authenticating solution, due to its accuracy, efficacy and convenience.


Heightening Security and Improving Customer Experience

In a digital world rife with headline-making large-scale data breaches – such as the British Airways, Marriott International, and Ticketmaster attacks of 2018, which saw the personal data of millions of customers stolen by hackers – traditional authentication methods are becoming increasingly insufficient (if not completely useless) ways of verifying a customer’s identity.

Breaches, of course, expose customers’ PII to cybercriminals, which in turn exposes those affected customers to identity fraud, while simultaneously reducing the reliability of PII for personal ID verification. As such, without effective and reliable identity verification procedures, organisations increase their own exposure to Know Your Customer (KYC), General Data Protection Regulation (GDPR), anti-money laundering (AML), and other regulatory penalties.

Organisations are clearly in great need of better ID verification methods with high fraud prevention capabilities. Biometric authentication solutions such as facial recognition technology dramatically improve the identity proofing process, as they biometrically bind a person to who they claim to be. What’s more, as facial ID verification technology is increasingly gaining widespread acceptance, customers are finding these solutions much more convenient than passwords, paperwork, and online account application forms. This is particularly true as more and more consumers prefer to conduct remote transactions via a mobile device. A new report from Juniper Research estimates that nearly 90% of smartphones currently in use can support software-based facial recognition, while it anticipates that over one billion devices will have in-built facial recognition hardware by 2023.

This is driving market growth. According to research published last year by Market Research Future, the global facial recognition market is forecast to expand extensively at a remarkable CAGR of 19.68% between 2016 and 2022, reaching USD 8.93 billion by the end of the forecast period.


Facial ID Verification Solutions from TOC Biometrics

TOC Biometrics has developed the world’s most advanced suite of biometric facial recognition solutions available today. Our solutions are based on cutting-edge neural network and deep learning technology which boasts an accuracy rate greater than 99% which is far greater than the human eye. This allows both commercial and governmental organisations to verify a customer’s identity quickly, accurately, and with the utmost security.

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Our specialised facial ID verification engine allows organisations to verify a customer’s identity by comparing self-taken photographs (i.e. “selfies”) against photos on their official identity documents – such as passports and driver’s licences – to identify a positive match. TOC Biometrics cloud-based solution examines the customer’s selfie, reading the unique geometry of the customer’s face that is key to distinguishing a person’s unique biometric facial identity. Liveness Detection then validates that the selfie is of a real, live person, and not just a two-dimensional photograph of that human being.

The overall result is an accurate and secure facial signature that is stored in the cloud as a mathematical construct which can be used to positively verify real customers quickly and seamlessly. Not only does TOC Biometrics solutions satisfy regulatory requirements, but they also reduce processing times and costs for organisations, while enabling customers to complete the entire ID verification process from anywhere they choose, using whichever device (desktop, laptop, tablet or smartphone) they prefer.

You can access TOC Biometrics cloud-based facial ID verification solutions quickly and easily via our cloud API using the latest Representational State Transfer (REST) technology. Discover what our advanced facial recognition technology can do for your business with a free API road-test, and explore our live demo apps by registering for an account today. Get in touch to find out more.