Computer Vision & Face recognition & Liveness
The solution uses Onfido to verify the identity of a customer by scanning an ID (its front and back) to authenticate the document as in the step Know Your Customer, it declares if the ID is authentic or fraudulent. Moreover, it compares the photograph taken from the ID document of the loan applicant and the Video Recording using AI and human experts to analyze biometric data points and declare the authenticity (the confidence score).
Computer Vision
Three digital flow settings were created for scanning ID documents:
| Name | Flow Settings | Digital Processor Type |
Source entity name |
|---|---|---|---|
| OCR_DrivingLicense | MobileLoan | OCR The employability of technology to recognize scanned documents.
|
FTOS_BNKAP_RetailApplicantData |
| OCR_ID | MobileLoan | OCR |
FTOS_BNKAP_RetailApplicantData |
| OCR_Passport | MobileLoan | OCR |
FTOS_BNKAP_RetailApplicantData |
The maximum number of retries for the scanning is 5 times for all types of documents.
OCR_DrivingLicense
Settings
| Property | Value |
|---|---|
| SourceEntityName | FTOS_BNKAP_RetailApplicantData |
| MaxRetry | 5 |
| ShowTakePictureButton | true |
| ShowUploadPhotoButton | true |
| WaitUserConfirmation | true |
| OptionSets | |
| OptionSetName | Gender Type |
| MappingName | Sex |
| OptionSetItems | |
| M | Male |
| F | Female |
| LookupEntities | |
| MappingName | DistrictCode |
| EntityName | District |
| AttributeKey | Code |
| MappingName | City |
| EntityName | City |
| AttributeKey | Name |
| Parent | |
| AttributeParentKey | DistrictId |
| MappingParentName | DistrictCode |
| Validations | |
| type | IdROM |
| Validations | V01,V05 |
| CheckScriptName | ValidateIdROM |
| type | Passport |
| Validations | V05 |
| CheckScriptName | ValidateIdPass |
| AvailableDocumentTypes | |
| type | IdRom |
| DocumentType | IdentityCard |
| Country | RO |
| Provider | Azure |
| type | IdBG |
| DocumentType | IdentityCard |
| Country | BG |
| Provider | Abbyy |
| type | Passport |
| DocumentType | MRZ |
| Provider | Azure |
| type | DrivingLicence |
| DocumentType | DrivingLicence |
| Provider | Azure |
| maskNextStepURLSuccess | |
| entity | FTOS_BNKAP_RetailApplicantData |
| form | FTOS_BNKAP_PersonalInfo |
| section | PersonalInfo |
| maskNextStepURLFail | |
| entity | FTOS_BNKAP_RetailApplicantData |
| form | FTOS_BNKAP_ScanID |
| section | ScanID |
| DocumentType | DrivingLicence |
Mappings
The array DocumentsMapping contains:
| type | DrivingLicence |
| Map | |
| PictureAttribute | pictureOcr |
| LastName | lastName |
| GivenName | firstName |
| DocumentNumber | IdCardSeries |
| StreetType | streetType |
| PersonalNumber | PIN |
| BirthDate | dateOfBirth |
| PlaceOfBirthBody | placeOfBirth |
| BirthCountryBody | birthCountry |
| Address | street |
| Sex | gender |
| DistrictCode | DistrictId |
| Nationality | citizenshipId |
| City | CityId |
| Street | StreetName |
| StreetNo | StreetNo |
| Storey | FloorNo |
| Stairway | Stairway |
| ApartmentNo | ApartmentNo |
| ApHouse | BuildingNo |
| IssuedBy | IdIssueInstitution |
| IssuedAt | IdIssueDate |
| IssuedUntil | IdExpirationDate |
| IssuingCountry | issuingCountry |
OCR_IDSettings
| Settings | Value |
|---|---|
| SourceEntityName | FTOS_BNKAP_RetailApplicantData |
| DestinationEntityName | FTOS_BNKAP_RetailApplicantAddress |
| SourceEntityName | FTOS_BNKAP_RetailApplicantData |
| SourceLookupDestinationName | FTOS_BNKAP_RetailApplicantDataId |
| MaxRetry | 5 |
| ShowTakePictureButton | true |
| ShowUploadPhotoButton | true |
| WaitUserConfirmation | true |
| OptionSets | |
| OptionSetName | Gender Type |
| MappingName | Sex |
| OptionSetItems | |
| M | Male |
| F | Female |
| OptionSetName | Citizenship |
| MappingName | Nationality |
| OptionSetItems | |
| ROU | Romanian |
| GBR | UK |
| LookupEntities | |
| MappingName | DistrictCode |
| EntityName | District |
| AttributeKey | Code |
| MappingName | Country |
| EntityName | FTOS_CMB_Country |
| AttributeKey | code |
| Validations | |
| type | IdROM |
| Validations | V01,V05 |
| CheckScriptName | ValidateIdROM |
| type | Passport |
| Validations, | V05 |
| CheckScriptName | ValidateIdPass |
| AvailableDocumentTypes | |
| type | IdRom |
| DocumentType | IdentityCard |
| Country | RO |
| Provider | Azure |
| type | IdBG |
| DocumentType | IdentityCard |
| Country | BG |
| Provider | Abbyy |
| type | Passport |
| DocumentType | MRZ |
| Provider | Azure |
| type | DrivingLicence |
| DocumentType | DrivingLicence |
| Provider | Azure |
| maskNextStepURLSuccess | |
| entity | FTOS_BNKAP_RetailApplicantData |
| form | FTOS_BARET_RetailApplicantDataMaster |
| section | Step1 |
| maskNextStepURLFail | |
| entity | FTOS_BNKAP_RetailApplicantData |
| form | FTOS_BARET_RetailApplicantDataMaster |
| section | Step1 |
| DocumentType | IdRom |
Mappings
The array DocumentsMapping contains:
| type | IdRom |
| Map | |
| PictureAttribute | pictureOcr |
| LastName | lastName |
| GivenName | firstName |
| DocumentNumber | IdCardSeries |
| StreetType | streetType |
| PersonalNumber | PIN |
| BirthDate" | dateOfBirth |
| PlaceOfBirthBody | placeOfBirth |
| Address | fullAddress |
| Sex" | gender |
| Nationality" | citizenshipId |
| Country | countryId |
| DistrictCode | districtId |
| City | cityName |
| Street | street |
| StreetNo | streetNo |
| Storey | floor |
| Stairway | stairway |
| ApartmentNo | apartmentNo |
| ApHouse | buildingNo |
| IssuedBy | IdIssueInstitution |
| IssuedAt | IdIssueDate |
| IssuedUntil | IdExpirationDate |
| IssuingCountry | issuingCountry |
OCR_PassportSettings
| Settings | Value |
|---|---|
| SourceEntityName | FTOS_BNKAP_RetailApplicantData |
| Entities | |
| DestinationEntityName | FTOS_BNKAP_RetailApplicantData |
| SourceEntityName | FTOS_BNKAP_RetailApplicantData |
| SourceLookupDestinationName | FTOS_BNKAP_RetailApplicantDataid |
| MaxRetry | 5 |
| ShowTakePictureButton | true |
| ShowUploadPhotoButton | true |
| WaitUserConfirmation | true |
| OptionSets | |
| OptionSetName | Gender Type |
| MappingName | Sex |
| OptionSetItems | |
| M | Male |
| F | Female |
| OptionSetName | Citizenship |
| MappingName | Nationality |
| OptionSetItems | |
| ROU | Romanian |
| GBR | UK |
| LookupEntities | |
| MappingName | DistrictCode |
| EntityName | District |
| AttributeKey | Code |
| MappingName | City |
| EntityName | City |
| AttributeKey | Name |
| Parent | |
| AttributeParentKey | DistrictId |
| MappingParentName | DistrictCode |
| Validations | |
| type | IdROM |
| Validations | V01,V05 |
| CheckScriptName | ValidateIdROM |
| AvailableDocumentTypes | |
| type | IdRom |
| DocumentType | IdentityCard |
| Country | RO |
| Provider | Azure |
| type | IdBG |
| DocumentType | IdentityCard |
| Country, | BG |
| Provider | Abbyy |
| type | Passport |
| DocumentType | MRZ |
| Provider | Azure |
| type | DrivingLicence |
| DocumentType | DrivingLicence |
| Provider | Azure |
| maskNextStepURLSuccess | |
| entity | FTOS_BNKAP_RetailApplicantData |
| form | FTOS_BNKAP_PersonalInfo |
| section | PersonalInfo |
| maskNextStepURLFail | |
| entity | FTOS_BNKAP_RetailApplicantData |
| form | FTOS_BNKAP_ScanID |
| section | ScanID |
| DocumentType | Passport |
Mappings
The array DocumentsMapping contains:
| type | Passport |
| Map | |
| PictureAttribute | pictureOcr |
| LastName | lastName |
| GivenName | firstName |
| DocumentNumber | IdCardSeries |
| StreetType | streetType |
| PersonalNumber | PIN |
| BirthDate | dateOfBirth |
| PlaceOfBirthBody | placeOfBirth |
| BirthCountryBody | birthCountry |
| Address | fullAddress |
| Sex | gender |
| DistrictCode | DistrictId |
| Nationality | citizenshipId |
| City | CityId |
| Street | StreetName |
| StreetNo | StreetNo |
| Storey | FloorNo |
| Stairway | Stairway |
| ApartmentNo | ApartmentNo |
| ApHouse | BuildingNo |
| IssuedBy | IdIssueInstitution |
| IssuedAt | IdIssueDate |
| IssuedUntil | IdExpirationDate |
| IssuingCountry | issuingCountry |
For more details, see Computer Vision.
Onfido
Settings
These are the configurations done for Onfido.
| Setting | Description | Attributes |
|---|---|---|
| FTOS_BNKAP_RetailApplicantData | Source entity. | LastName; FirstName; Email; WaitingForResponseTimeout; OptionSets; |
| maskNextStepURLFail | Next step in case of failure of the confidence score. | PersonalInfo |
| businessStatusSuccess | Next business status in case of success of the confidence score. | OCR Validation |
Mappings
In this section, the array DocumentsMappingcontains the properties type string mapped to the entity attributes where the values are stored.
| Property | Entity attribute |
|---|---|
| PictureAttribute | pictureOcr |
| LastName | lastName |
| GivenName | firstName |
| DocumentNumber | IdCardSeries |
| StreetType | streetType |
| PersonalNumber | PIN |
| BirthDate | dateOfBirth |
| PlaceOfBirthBody | placeOfBirth |
| BirthCountryBody | birthCountry |
| Address | street |
| Sex | gender |
| DistrictCode | DistrictId |
| Nationality | nationality |
| City | CityId |
| Street | StreetNo |
| StreetNo | Street |
| Storey | FloorNo |
| Stairway | Stairway |
| ApartmentNo | Apartment |
| ApHouse | BuildingNo |
| IssuedBy | IdIssueInstitution |
| IssuedAt | IdIssueDate |
| IssuedUntil | IdExpirationDate |
| IssuingCountry | issuingCountry |
| Confidence | confidence |
For more details, see Onfido Integration.