By continuing to use our site, you consent to the processing of cookies, user data (location information, type and version of the OS, the type and version of the browser, the type of device and the resolution of its screen, the source of where the user came from, from which site or for what advertisement, language OS and Browser, which pages are opened and to which buttons the user presses, ip-address) for the purpose of site functioning, retargeting and statistical surveys and reviews. If you do not want your data to be processed, please leave the site.

The Future of ID Verification: Here's What We Can Expect to See

The Future of ID Verification: Here's What We Can Expect to See

The primary purpose of ID verification is to know who is on the other end of each transaction. While identity verification has been a must in many industries for some time, the advent of the Internet has brought new layers of complexity into view that threaten to render existing ID management and validation approaches obsolete.

For businesses, in particular, digital ID verification goes beyond validating participants in transactions–it allows companies to comply with the kinds of regulations that are beginning to take shape around the world as well as improve security and user satisfaction along the way. Bottom line: ID verification will soon play an even more essential role in everyday transactions.

Current Information

At present, organizations leverage different kinds of information to validate a user's identity. These can be summed up as follows:

  • Static information- This type of information rarely changes and provides a reasonable foundation upon which full identity validation can be carried out. Examples of static information include a person's legal name, their physical address and their personal or home phone number. The problem with this type of information is that it can be stolen from a given user very easily and used by bad actors to pose as their victim.

  • Dynamic information- This kind of information follows a specific user's actions. Unlike static information, a user's dynamic identifiers (IP addresses, transaction history) can change frequently.

  • Physical identity documents- A user's physical ID is often the strongest proof that they are who they say they are. Unfortunately, these suffer from the same vulnerability as static information; they can be stolen and used by fraudsters for illicit purposes.

Current Process

Identity verification, as it currently stands, takes an active approach to validating a user's unique documents. The full process follows three key steps:

  1. Scan document- At this stage, a user's document is scanned using either optical character recognition (OCR) or barcode and security feature parsing. Optical character recognition converts visible words into text for analysis, but it does not allow for all fakes to be detected. Parsing barcodes and other security features of a user's ID makes weeding out sophisticated fakes much easier. This makes it a better first step to take than mere OCR.

  2. Match document to presenter- In this step, biometrics are leveraged to match a user's face to the face featured on their ID. The best solutions can detect tricky fakes such as pictures of pictures, etc.

  3. Verify- Here, information amassed in the two prior steps is checked against an up-to-date database of official records. Fake IDs referencing nonexistent individuals are discovered at this point, while legitimate documents make the cut. More powerful solutions use machine learning to better understand patterns throughout the process and gradually grow in effectiveness.

What’s Next

The future of ID validation is digital. With a digital ID, there is no need to carry a card or to even print a card. The ID would live on your phone or similar device, and be presented online or offline. It saves printing costs, raises the bar for fakes, and makes it easy to always have your card with you. Look to see an uptick in digital identity documents in coming years and more flexible, digital ID initiatives as well.

For instance, in the UK, changes are already afoot for the future of IDs. The UK digital identity and attributes trust framework takes aim at issues surrounding fully digital identities in the hopes that future iterations can be as trustworthy as present-day passports and bank statements. The mobile driver's license initiative (mDL) currently underway with support from the American Association of Motor Vehicle Administrators (AAMVA) seeks to bring about a similar shift from paper to program in the years to come. 

IDs made in the ways these initiatives describe will be available wherever you are, easier to present and far more secure than paper or plastic alternatives.

Staying Ahead of the Game

As technology advances, so too do the standards governments and businesses abide by. Where IDs are concerned, rapid technological changes are clearing the way forward for enhanced, digital identity documents to see widespread use. Validating IDs remains a critical concern, however, and likely will continue to be for quite some time. Taking appropriate precautions to safeguard your business and your customers is non-negotiable.

With any process, safeguarding your business is non-negotiable.  It's important to get the first step of identity verification right, especially as there are so many changes on the horizon. Intellicheck can verify an ID with 99.9% accuracy in person or digital, versus the industry average of 60% or less. We offer a variety of solutions that you can turn on and use, to API-based solutions that can tightly integrate with your systems and experience. Contact us to see how we can help you stay ahead of the game.

Related posts

  • May 4, 2020, 12:00 AM

    As a business managing age-restricted purchases and engagements, you know that scanning an ID is the quickest way to verify a person’s identity thanks to the barcode found on the back. But did you know that those barcodes differ on driver’s licenses by state?  Each state has different information that is displayed when the barcode is scanned.

  • Apr 30, 2020, 12:00 AM

    With the new advancements in modern tech, catching fakes in real-time can be tricky. But just as your team is getting quicker at identifying fake IDs, identity fraudsters are advancing their methods for obtaining and generating fakes that can bypass security measures.

  • Jul 6, 2021, 12:00 AM

    Fraud assessments are special tests designed to discover your business's current fraud risks. Vulnerabilities of all types must be carefully analyzed and, ultimately, addressed for a complete fraud assessment to work as intended. That’s why it’s important for both internal and external risks to be considered. 

    Professionals in this sphere not only help in identifying existing risks to your organization but also assist in crafting an effective roadmap for responding to such risks, however, if you aim to tackle a fraud assessment on your own, the following checklist is a great start:

  • Mar 11, 2021, 12:00 AM

    When Franklin D. Roosevelt signed the Social Security bill in 1935, a number of protective institutions came into being in the US. Among these, the Unemployment Insurance Program was drafted to help employable people who have lost their jobs.

    In the event that someone loses their job for reasons outside of their control, the Unemployment Insurance and Benefits programs implemented by both the federal government and individual states in the US provide economic relief to compensate. However, this relief is not unconditional and it is not provided indefinitely. Unemployment Insurance is ultimately paid by state governments, with varying qualifying standards, using funds collected through special payroll taxes.

    Unemployment Insurance across the country has historically been greatly needed, with unemployment rates at the height of US prosperity (1929) having rivaled those of Great Britain at its lowest historic point. Without unemployment benefits, many would face severe challenges in-between jobs, even though they might still be willing to work.

    So, what is unemployment fraud and how did it start? Individuals looking to take advantage of the social welfare system could bend the rules when reporting their employment status, location, physical condition, or even their identity. These attempts at unemployment fraud are surprisingly successful, with exorbitant cumulative costs for the system at large. In fact, in 2020, the Mississippi Department of Employment Security (MDES) reported that it paid out $3.4 million from fraudulent unemployment claims. 

    This kind of fraud wastes federal funds given to the state that might have been better allocated had fraudsters not claimed them and is far too common.