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Identity verification and KYC · Build

KYC with liveness checks on the person and the document

Identity verification for regulated web and mobile apps: a model recommends and an operator confirms each case. We built it for a German financial institution.

EngagementHourly · remote
Hours9–18 CET · 4 h overlap
StackWeb · mobile · backend
Proof3 case studies

The service in 4 parts

01 · Signs you need it

If two of these apply, this is a good fit.

  • The regulator wants a liveness check, and a photo of the document isn’t enough
  • Fraud gets through with a photo of a screen or a printed copy of a document
  • Verification works on web but not on mobile, or the other way around
  • You can’t show a regulator why one particular application was approved
  • A session can be pieced together from two different phones, and nothing catches it

02 · What you get

A verification flow for web and mobile, built from four parts:

  • Steps that ask the applicant for something unpredictable, such as a gesture or random digits read aloud, so a video recorded earlier fails.
  • Checks that the document is a physical object in someone’s hand: the applicant turns it and puts a finger on its edge, which a photo or a screen can’t imitate.
  • Where the document has a chip, the app reads it directly. The chip data is signed by the issuer, so authenticity is proven cryptographically instead of judged from an image.
  • An operator console where every case is confirmed by a person whose name goes on the decision, with a trail of when each step happened and on which device.

03 · How we decide

STEP 01An operator makes the final call.The model’s recommendation shortens the queue. The decision itself belongs to a person, and the trail shows which operator it was.
STEP 02The document needs a liveness check too.Most systems only check that a live person is in front of the camera. We require the same of the document.
STEP 03Decisions are never edited afterward.A correction is stored as a new entry, and the original decision stays in the trail.
STEP 04Each session gets new gestures and digits.They are drawn at random every time, so no recording can be prepared in advance or replayed in a later session.

04 · When to buy instead

If a ready-made service fits your market and volume, we recommend buying it and show you the numbers for both options.

Proof

Where we’ve done this before

All 18 case studies
Case study 10 · Identity98%Liveness checks on the person and the document for a German financial institution, across a web app, a mobile app and an API.Read the case study →Case study 12 · Identity100+ terminalsThe NFC chip in German passports, read from a React Native app.Read the case study →Case study 09 · Identity1 working dayBiometric capture without internet, for a passport and ID system in West Africa.Read the case study →

FAQ

Questions about this service

It depends on your market, your volume and your regulator. We compare both options with numbers before you decide.
All services47 services, most of them backed by a case study.Back to services →How we decideEach option’s five-year cost and the point where the recommendation changes.See how we decide →

Next step

Describe the problem and we’ll come back with three options.

The first call takes 30 minutes, and you’re under no obligation.

Tell us about your projectcontact@microtech.consulting