This piece of content helps one determine how to identify a fake id and understand a fake ID vs. a real one by correctly examining fake ID samples. The content accentuates how financial and obligated entities must opt for advanced ID verification services to stay ahead in the fight against money laundering and terrorist financing.

Content

• How to Spot a Fake ID
• Probing Fake ID Samples
• Fake ID Vs Real
• How to Identify Fake Driver’s License
• ID Verification Services for Regulated Sector

How to Spot a Fake ID

Identity theft, identity fraud, and document forgery are widely spread money laundering and terrorist financing threats that are difficult to combat without applying AI-ML tools and human expertise in unison. Nonetheless, it is difficult to overlook that today’s fraudsters are equally well-equipped, and government-issued IDs are copied, forged, counterfeited extensively, and misused for e-commerce theft, payment fraud, smuggling, and other crimes as serious as human trafficking, terrorism, and mass proliferation of weapons.

On the face of it, it is on the part of individuals and entities to opt for efficient tools during customer onboarding, performing crucial transactions, and other business activities. In the next point, we’ll discuss how to check for fake IDs accurately alongside fake ID samples.

Probing Fake ID Samples

Comparing fake ID samples with real ones significantly helps to determine typical fake ID examples and get striking clues of forged, altered, and stolen ID documents.

Understanding the following loopholes is vital to learn how to check for fake IDs and government-issued documents.

• Missing exactness in the format
• Inaccuracy in font styles and font colors
• Creased edges or broken edge recognitions
• Forged documents, photoshopped images, and prints
• Tempered images, blurred spot detections
• Compromised holograms or rainbow prints
• Blurriness or exposure in the prints, images
• Misplaced laser perforation

Fake ID Vs Real

Criminals invest much money in creating forged IDs to scheme fake identities and to perform illicit activities. Identity forgery scams involve sophisticated front and back forgery of document IDs. With easy access to technology, miscreants would fake images, personal information, and barcode encryption, to the degree at which distinguishing fake ID vs real is only possible with efficient AI-based Machine Learning tools and algorithms.

On the other hand, businesses selling age-restricted products and services often face situations where underage shoppers alter their IDs to buy alcohol, cigarettes, and other adult products. At the same time, card hackers exploit stolen ID data in case of e-commerce robbery and transaction laundering.

How to Identify Fake Driver’s License

For instance, a driving license is a widely used identity verification document accepted for customer onboarding. Let us specifically explore how to identify a fake driver’s license. A few salient aspects include the flag image, national ID number, language, photo position, background pattern, signature, hologram, and identity information. There is an all-inclusive way of accurately understanding how to identify a fake driver’s license without overlooking the important checkpoints.

• Date of issue and date of expiry
• License issuing authority
• Driver registration number
• Card holder’s signature and address
• Licence entitlements
• Hologram on the card, nation-specific
• Codes, pictograms, and background form
• Missing laser engravings

ID Verification Services for Regulated Sector

Safeguard your business against identity fraud and identity theft; prevent forged, altered, fake identity approvals and save your business from hefty fines with IDMERIT’s best-in-class ID Verification Services.

For questions on how to check for fake IDs to prevent huge noncompliance penalties linked to fake and unscrupulous identity approvals, contact IDMERIT IDMscan consultant to get a live demo on biometric facial recognition, deepfake detection, and face liveness verification tools and techniques.

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Types of ID Verification: Automated ID Checks vs Human Review Checks

In digital environments, you cannot be sure who you are interacting with. Someone could say they are John Smith from Johnsonville, Missouri when in fact they are Alexander Petrov from Moscow, Russia. Without some sort of check though, there is no way to find out that John is Alexander online.

This is where identity verification comes in. In online situations where knowing your customer is important, identity verification solutions can help solve that problem. The most robust identity verification services will ask customers for a photo of a government issued ID, extract the personally identifiable information (PII) from that document, crosscheck that information with information stored in databases from the customer’s country of origin and then perform a biometric test to match the user with the ID.

Not all identity verification providers perform these tasks the same way though. Some, like IDMERIT, will perform automated identity checks. These checks will scan and verify a customer’s ID and then extract the PII from the ID and automatically run it through a secure API into a database from their country of origin. This happens instantaneously and does not endanger the PII.

Other providers will take photo of the national ID and send it overseas for manual review. These providers rely on trained staff to verify that an ID is real. From there they can check the PII in databases from customer’s country of origin. These checks are fast, but not instantaneous. They also endanger the PII being checked, which we’ve discussed previously on this blog.

The Problem with Human Review

Automated ID checks provide better match results than those done with manual review. Automated identity verification relies on artificial intelligence (AI) and machine learning (ML) to create robust identity verification software. The reason for this is that in manual review, errors are prone to happen.

1. Humans have to worry about implicit bias

Humans are subject to perform implicit bias, which the Kirwan Institute for the Study of Race and Ethnicity  describes as, “the attitudes or stereotypes that affect our understanding, actions and decisions in an unconscious manner. [It is] activated involuntarily without awareness or intentional control. It can be either positive or negative and everyone is susceptible.” They state that implicit bias presents unique challenges to effective law enforcement because it can alter where investigators look for evidence and how they analyze it without their awareness or ability to compensate.

Automated solutions that use biometric technology to fully authenticate an individual remove these issues associated with manual review because they are performed by a sophisticated software that does not have implicit bias programed into its system.

2. Humans have limits to how much they can learn

There are 195 countries in the world. Each country has different identification requirements, sometimes having a variety of IDs for different reasons. This means that anyone who must validate IDs must do so for each identity document within these 195 countries. This is not only unrealistic to expect from people, it is unlikely. Sure, a person can be trained to identify valid IDs for all 195 countries, but that does not guarantee they will be 100% accurate when doing so.

Say, for example, a person performing human ID review is given a US passport to review. They will likely be able to do this easily because US passports are a common form of identification for many people. In contrast, if a person is given a Latvian ID for review, this will likely be harder for them to identify. Latvia is a small country, so it has less IDs floating around for identification. A person could be trained in validating Latvian IDs, but they may not have any real-world experience doing so.

Automated ID verification solutions take away the guesswork from validating IDs. Computer programs do not have a limit to how much information they can learn. If they are programmed to do a certain task, they will do it. This means automated ID validation programs have the capacity to accurately verify IDs from all 195 countries around the world. They also can use machine learning to perform checks with even more accuracy as IDs change over time, or criminals adopt new ways to create fake identification documents.

Conclusion

Artificial intelligence is not perfect yet is continuously being improved with machine learning and human intervention. In the identity space, AI has created automated ID verification programs that offer better match results than those that use human review. During human ID review, match results can be skewed by implicit bias and how much knowledge a person has about the ID they are checking. Plus, human review puts PII at risk. For identity verification, it is likely that your company will achieve better match results with automated ID checks than those that rely on human review. 

The post Automated ID Checks: Why They Are Better appeared first on IDMERIT.

First developed to help companies comply with Anti-Money Laundering (“AML”) and Know Your Customer (“KYC”) rules, IDV is now a vital component to the transaction ecosystems of ecommerce companies, financial institutions, online gaming, and even social media. Wherever risk needs to be determined and then mitigated, IDV is at play.

Here, we’ll talk briefly about the basic methods of IDV; what they look like and how they function today, their applications, benefits and drawbacks, and how they will evolve in the not-too-distant future.

Data-based IDV

Data-based IDV offers the lowest friction IDV process currently available. Contact data, perhaps captured from a web form, is submitted and matched to one or more officially-sourced databases in real-time, and the results returned in seconds. The returned payload should include a confidence score which, depending on the offer, might be enough to confirm identity. In other cases, the result will be used to determine what further action will be necessary to determine identity. This “first-layer” IDV is the most cost-effective solution available, and is gaining popularity as companies try to reduce user effort or “friction.”

Data-based IDV is not without its challenges. Finding reliable data outside of the U.S. is a difficult task, often negotiating with individual countries. Further, ensuring the ongoing quality of global reference data requires extensive resources to monitor.

Biometric IDV

Biometric is perhaps the most precise method of IDV. Static biometrics, the technique most prevalent today, is the science of recognizing individuals based on their unique biological traits; fingerprinting and retinal scanning are two such methods. Static biometrics are great for unlocking your phone, or entering your place of work, but not as applicable if someone is interested in opening a bank account while sitting in front of a laptop at home – where more of us want to conduct this type of business.

Still, biometrics are evolving and will likely break through the obstacles of remote biometric IDV very soon. Behavioral biometrics is a dynamic process employing real-time machine learning to measure, store, and constantly update behaviors such as finger pressure on a screen, or the angles at which a device is held. Behavioral and static biometrics, when used together, are gaining attention as a reliable means of remote IDV.

Official Document Scanning

Less precise than biometric techniques, but meeting most of the compliance needs of IDV is official document scanning. The process is simple: necessary official documents (perhaps a driver’s license, or government issued ID) are scanned, via a mobile device or other, and the information is digitally transmitted for further review and authentication. The issue here is friction and time. Scanning personal documents, perhaps accompanied by a selfie, is a cumbersome process. Then, depending on the process, confirmation of identity could take several hours, or even longer. The result is higher rates of cart abandonment.

About IDMERIT

IDMERIT is a global consumer and business verification portal. We help customers across industries and government sectors predict, assess, and manage risks by combining next-generation risk management and anti-fraud services. Our warehouse of unique data and advanced analytics tools to address evolving client needs can help you automate decision making while upholding the highest standards of security and privacy.

We work closely with world-class niche organizations offering data warehousing and validity of contact data solutions to ensure they are compliant with the Foreign Nationals Employment Act, the Compulsory Identification Act, Counter-Terrorism Act, and the Anti-Money Laundering Act. Our company powers the global identity ecosystem for customers.

For more information on IDMERIT’s identity verification services, you can drop us a line through the Contact Us page or call us at (888)-378-9283.

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