QuickID verifies your customer's name, date of birth, address & politically exposed person (PEP) status. FaceMatch then biometrically matches the customer you are dealing with remotely to their claimed identity (i.e., confirms they are the same person). QuickID + FaceMatch replaces the need to meet your customer face-to-face.
Step 1.
From the Run Checks tab, hover over the QuickID + FaceMatch tile.
Step 2. Select either:
Step 3.
You have the option to select up to 10 customers to be identified (the default is 1). You then have an optional reference field that can be used to tag a customer or group of customers. Your QuickID reference can be used to search for a previously run QuickID check via the Check History search field. You also have an optional
notes field that can be used for general information relating to the transaction and/or details around the electronic identity verification.
Step 4. (Option A)
If you select I'll RUN the QuickID myself & SMS the FaceMatch to my customer, it enables you to initially identify your customer in real-time. The location of your firm will determine the default country selected below. For example, if your firm is located in New Zealand the country selected will be NZ - New Zealand. A QuickID + FaceMatch check can be run in AT, AU, BR, CA, CH, CN, DE, DK, ES, FI, FR, GB, HK, IN, IT, MX, NL, NO, NZ, SE, SG, US, ZA. You can change your customer's country of residence from the Select a country dropdown menu. The mandatory fields to initiate a check are country, your customer's first name, last name, date of birth, address, mobile number, and their consent. You can enter a mobile number from 200+ countries.
In AU, you will instantly have access to 12 government and commercial data sources. However, if you would like to verify your customer's AU driver licence or passport you will need to apply for the Department of Internal Affairs' Document Verification Service (DVS). We have an online application form that you can access here - https://bit.ly/3relKul
In CA, prior to running a QuickID check, you will need to apply for access to local data sources here - https://bit.ly/3wEtwig
In HK, prior to running a QuickID check, you will need to apply for access to local data sources here - https://bit.ly/3rc8nuL
In NZ, you will instantly have access to verify your customer's New Zealand driver licence and access to seven other government and commercial data sources. However, if you would like to verify your customer's New Zealand passport you will need to apply for access to the Department of Internal Affairs' (DIA) Confirmation Service via RealAML. We have an online application form that you can access here - https://bit.ly/3euMQIx
Once you enter your customer's first name, last name, date of birth, address, mobile number, click the consent checkbox, and click Run ID Check, the QuickID will be run in under 10 seconds and you will be presented with the results with a download button (initially just for the QuickID and PEPCheck).
If the QuickID is a PASS, PARTIAL PASS, or PARTIAL PASS (manual address verification required), your customer will then be sent an SMS with a link to complete their FaceMatch.
When your customer clicks their unique link within the SMS, it will take them to a fully responsive FaceMatch webform.
Your customer will have the option to select either a driver licence or passport.
If a driver licence is selected your customer will be required to take a photo of the front and back of their driver licence.
The last step requires your customer to take a passive liveness photo of themselves. Passive liveness is a single selfie without requiring your clients to respond to any challenges or move.
Step 4. (Option B) If you select I'll email all checks to my customer, it enables you to email a unique link to your customer. The mandatory fields are country, your customer's first name, last name, and email address.
When you select Next, your will received a successful notification on the top right of your screen.
Then, your customer will instantly be emailed an AML request with a link to complete their QuickID + FaceMatch.
When your customer clicks the Verify my ID button within the email, it will take them to a fully responsive QuickID webform locked to the country you previously selected.
Once your customer enters their first name, last name, date of birth, address, clicks the consent checkbox, and clicks Run ID Check, the QuickID will be run in under 10 seconds. If the QuickID is a PASS, PARTIAL PASS, or PARTIAL PASS (manual address verification required), it will take your customer to a fully responsive FaceMatch webform.
Your customer will have the option to select either a driver licence or passport.
If a passport is selected your customer will be required to take one photo of the machine-readable zone (MRZ) page of their passport.
The last step requires your customer to take a passive liveness photo of themselves. Passive liveness is a single selfie without requiring your clients to respond to any challenges or move.
Step 4. (Option C) If you select I'll SMS all checks to my customer, it enables you to send an SMS with a unique link to your customer. The mandatory fields are country, your customer's first name, last name, and mobile number. You can send an SMS to 200+ countries.
When you select Next, your will received a successful notification on the top right of your screen.
Then, your customer will instantly be sent an AML request via SMS with a link to complete their QuickID + FaceMatch.
When your customer clicks their unique link within the SMS it will take them to a fully responsive QuickID webform locked to the country you previously selected.
Once your customer enters their first name, last name, date of birth, address, clicks the consent checkbox, and clicks Run ID Check, the QuickID will be run in under 10 seconds. If the QuickID is a PASS, PARTIAL PASS, or PARTIAL PASS (manual address verification required), it will take your customer to a fully responsive FaceMatch webform.
One retry is allowed for both your customer's ID photo and their passive liveness photo.
ID Retry Example
Liveness Retry Example
Once your customer completes the FaceMatch process they will then be presented with a finished screen.
You will receive two email notifications for QuickID + FaceMatch. The first once your customer's QuickID has been completed, and the second once your customer completes their FaceMatch.
QuickID Email
FaceMatch Email
Sample QuickID - Australia PDF Report
Sample QuickID - New Zealand PDF Report
To learn more about QuickID please visit - https://intercom.help/realaml/en/articles/5398959-quickid-via-web-application
Sample PEPCheck PDF Report - Jacinda Ardern
Sample PEPCheck PDF Report - Scott Morrison
To learn more about our PEPChecks visit - https://intercom.help/realaml/en/articles/5417389-pepcheck-via-web-application
A completed FaceMatch result will be either a PASS, REVIEW or FAIL. The criteria for a PASS will require all six or seven components of stand-alone FaceMatch to pass. There are:
Face Comparison. Compares the photo on your customer's driver licence or passport to the photo from their passive liveness check. A likeness score of 80% or above will result in a PASS. A score under 80% will result in a FAIL.
Passive Liveness Check. This robust liveness system will detect if your customer is physically present behind their camera. Passive liveness is a single selfie without requiring your clients to respond to any challenges. As your clients are required to do even less, you'll see higher pass rates, and can do business faster. If we are certain your customer is physically present behind the camera without excessive blur or distortion we will return a PASS. However, if we are unable to determine if your customer is physically present behind their camera we will return a REVIEW.
Data Comparison. Through optical character recognition (OCR) we compare data elements between your customer's QuickID and their identity document used in FaceMatch. If their first name, last name, date of birth, and identity document number from their QuickID matches the data displayed on their identity document we return a PASS. A REVIEW status will be returned if some of the data elements match and a FAIL if none of the data elements match.
Document Check. The photo of your customer's driver licence or passport is crossed referenced against RealAML's comprehensive library of frequently updated identity document templates in over 200 countries. If your customer's identity document is recognised as valid the result will be a PASS. If your customer's identity document is not recognised it will result in a FAIL.
Anti-Tamper Check. Several proprietary checks are undertaken to assure there has been no tampering with the driver licence or passport, including verifying unique security features applicable to the document type used.
Not Expired. An expired identity document will result in a REVIEW, while a valid identity document will result in a PASS.
Machine-readable zone (MRZ). If your customer uses their passport we will attempt to validate their passport's MRZ data. If the MRZ data is validation is will result in a PASS, otherwise, a FAIL will occur.
If one or more of the six or seven FaceMatch components are REVIEW or FAIL then the overall FaceMatch result will be the more severe of the two. For example, if Face Comparison is FAIL and Passive Liviness Check is REVIEW, the overall FaceMatch result will be FAIL.
Sample FaceMatch - PASS Report
Sample FaceMatch - REVIEW Report
Sample FaceMatch - FAIL Report
If your customer completes their QuickID but their FaceMatch is Pending, in REVIEW, or a FAIL, you can resend this via your Check History.
If your FaceMatch result is REVIEW or FAIL you also have the ability to override this via the Check History.
Want to know more?
Book a 15-min live demo - https://calendly.com/realamlnz/realaml-15-min-live-demo