Socure, the leading provider of artificial intelligence for digital identity verification, sanctions screening, and fraud prevention, has announced Selfie Reverification – a way to validate return consumers online with a simple selfie from any device in under 2 seconds.
Socure’s Selfie Reverification builds on the company’s market-leading Document Verification (DocV) product, which captures and validates photo IDs at onboarding with a 99% first time selfie photo capture success rate, 97% accuracy in liveness detection, and a true acceptance rate of 98.7%.
Leveraging Socure DocV, Selfie Reverification re-validates the trust of a returning consumer in an instant by matching the selfie against the previously verified photo ID. With identity attacks at an all-time high, once validated good identities can go risky in an instant. Selfie Reverification allows ongoing trust decisions particularly important at the riskiest of moments – a high-value banking transaction, validating the identity of a babysitter-for-hire in an online marketplace, alcohol delivery. The use cases for critical identity trust re-verification are almost endless across the digital economy and throughout the customer journey.
As importantly, Selfie Reverification has integrated ‘liveness’ detection technology which ensures the person taking the selfie is actually present. This stops the most sophisticated spoofing techniques, including face masks, image of an image and deepfakes. Selfie Reverification is a must-have capability for any business-to-consumer (B2C) organization or government agency looking to ensure seamless digital access to its services while reducing fraud. Selfie Reverification enables organizations across verticals including financial services, online gaming, eCommerce, the sharing economy and the public sector to mitigate fraud, lower opex costs due to a reduction in manual reviews, and build consumer trust without unnecessary friction.
At a time when consumers expect to conduct even the most critical aspects of their lives online, continuous trust of an identity is fundamental to providing secure and rapid services. As such, Selfie Reverification is a ‘Swiss Army Knife’ of rapid risk assessment across use cases and verticals.
Powerful Use Cases Include:
Account Takeover Prevention
Selfie Reverification protects the accounts of victims of social engineering attacks by providing a biometric layer of defense to verify that the user is the rightful owner of an account helping to prevent account profile changes or unauthorized interactions or transactions.Protection of High Risk Transactions
Large financial transactions and wire transfers pose high risk as they can be initiated by someone other than the account owner. Selfie Reverification can be used as an additional – though frictionless – security measure to ensure that only the authorized user can perform these high-risk activities, protecting against fraud and saving consumers from devastating financial losses.
Account Lock-Out No More
When users are locked out of their accounts or need to recover access due to suspected fraud, Selfie Reverification provides recovery in an instant with a rapid selfie check. Socure’s high speed capture and accurate matching reduce the customer friction and operational costs typically resulting from traditional account recovery methods.
Any Time ID is Necessary for a Quick Nod ‘Yes’
From rideshare businesses which must re-verify drivers’ identities periodically throughout a shift, to ensuring a smooth loyalty member hotel check-in, Selfie Reverification can be leveraged with ease for any risk or customer experience profile which is dependent on documentary proof at re-validation.
Protect the Integrity of Government Services Delivery
Selfie Reverification provides an added layer of security to protect returning users to ensure government benefits and services are provided to the true constituent.
How it Works:
User Action and Real-time Feedback: The user is prompted to take a selfie. During this process, they receive real-time feedback on positioning, angle, and lighting, ensuring the captured selfie is of high quality resulting in a decision in under 2 seconds.
Liveness Check: The selfie undergoes a liveness check that is Level 2 NIST PAD compliant to prevent fraudsters from spoofing the submissions through different presentation attacks, like images of images, or sophisticated masks. Adding to the liveness is Socure’s injection attack detection, which ensures a fraudster has not interjected a session with a false or altered credential. These checks are passive, so they do not disrupt the user experience or ask the user to do additional challenges, such as speaking numbers shown on the screen.
Deepfake Selfie Detector: The Socure data science team generated hundreds of thousands of carefully curated deepfake samples using more than 20 different AI generators to ensure a data set consisting of a very realistic diversity of body shapes, ages, skin tones, postures, lighting conditions, backgrounds and ethnicities. These deepfakes train Socure’s selfie models to thwart spoofing attacks with incredible precision.
Biometric Checks: The selfie is compared one-to-one to the account owner’s previously verified headshot photo on the ID submitted during onboarding with over 98% accuracy, along with an age discrepancy check to ensure the user is the rightful account holder. Biometric analytics assess >80 facial landmarks, such as eye distance, nose width, jawline contours, and emotional expression, to create and verify a facial map to ensure accurate matching.