Nowadays Identity theft is regarded as a growing problem. With the increase in online shopping, the number of online identity theft increased rapidly. According to Internet security report from 2019, cybercriminals diversify their targets and use smart methods to commit identity theft and fraud.  Unfortunately, the number of fraudulent transactions and massive data breaches increases as the fraudsters and cybercriminals become more sophisticated. For most businesses, it is essential to identify and verify the identity of their client in order to decrease the potential risks. To deal with that challenge, various ID scanning and security solutions have been implemented using Artificial Intelligence (AI).

Automated Identity Verification

Thanks to the modern AI technology, that process can now be automated. A stable AI system can solve this time consuming task in a matter of a few minutes. So, now let’s see how an AI based identification and verification solution can help solving this problem.

From one side, Artificial intelligence enables computers to make human-like decisions and automating a particular task. It empowers everyday technologies like search engines, self-driving cars, and facial recognition apps. AI cannot only deter online frauds and scams, but IT plays a pivotal role in making payment frauds a thing of the past if used with appropriate intelligence. From the other site, machine learning and deep learning make it possible to authenticate, verify and accurately process the identities of the users at scale. Here are some ways AI and machine learning are used to scale identity verification.

KYC (Know Your Customer) checks

First of all, KYC (know your customer) checks is a common process used in most businesses. The aim behind these checks is to ensure that they know what their customers are, what type of activity is expected from a certain customer and also the type of risk they could bring to the business. Such checks are important to ensure the sustainability of the business. This, however, is a long and a tedious process. With the added advantage of machine learning algorithms, an AI-powered system can detect any attempt of document fake information on an identity document at much more quicker pace and with much efficiency as compared to a non-AI system or a manual review process. The biometric features captured during the facial verification process can be cross-matched with the face image present on an identity document. This establishes the ultimate verdict either against or in the favor of the identity of the incoming user.

AI and Biometric Authentication

Biometric authentication is used to fulfil KYC and KYB (Know Your Business) compliances. It uses fingerprints, eyeball scanning or face scanning to verify a person’s identity. It can also be used to authenticate the employees at the workplace. The old method of authentication like passwords or PIN code has long been finished due to biometric authentication. With the help of AI, biometric can create data-driven safety protocols and the verification solution cannot be manipulated by fraudsters. Here we will list some of the ways AI can work with Biometric verification:

Facial Recognition

Facial recognition processes can be tricked easily with a picture or a video of the owner. There are many cases where the system has been fooled were due to 2D facial recognition. This is where AI plays an important role by using 3D biometric facial recognition technology. It detects the face of the person and learns from many different pictures. AI can also detect if a person is using a face mask, using a picture of a picture, a picture of the screen, or using a tampered document with a fake picture. That’s why AI matched with biometric makes a perfect solution for bio authentication.

Voice Recognition

AI can be used to recognize voices in these biometric systems. Different voice patterns like speed, tone, accent, etc. can be analyzed as well. AI can evaluate a person’s voice for biometric verifications.

Keystroke dynamics

Just like writing, the typing pattern of the person differs as well. AI can recognize a person from their typing pattern and verify their identity. It uses dwell time, speed, and fight time. Dwell time is how much time the user puts in pressing a key, and fight time is a time in releasing a key and pressing another key. This system can also identify a person with their frequently used keys.

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