FaceMatch biometrically matches the photo on your customer's identity document to a photo of your customer taken in real-time. FaceMatch by itself does not verify your customer's identification.
For New Zealand users: If you have previously completed a QuickID check on your customer, it will biometrically match the person you are dealing with remotely to the identity that they are claiming (i.e. are they the same person).
How to run a FaceMatch check?
Step 1.
From the Run Checks tab, hover over the FaceMatch tile.
For New Zealand users:
For Canada users:
*Canada users can choose to allow customers to verify 2 forms of ID.
Step 2.
Select either:
Step 3. You have the option to select up to 10 customers (the default is 1). You then have an optional reference field that can be used to tag a customer or group of customers. Your FaceMatch reference can be used to search for a previously run FaceMatch 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 check.
Step 4. (Option A) If you select I'll EMAIL my customer, it enables you to email a unique link to your customer. The mandatory fields are 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 FaceMatch.
When your customer clicks Start Verification within the email, 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 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.
Once your customer completes the FaceMatch process they will then be presented with a finished screen.
Step 4. (Option B) If you select I'll SMS my customer, it enables you to send an SMS with a unique link to your customer. The mandatory fields are 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 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.
Once your customer completes the FaceMatch process they will then be presented with a finished screen.
Step 5. Once a FaceMatch has been completed you will instantly receive an email notification.
A completed FaceMatch result will be either a PASS, REVIEW or FAIL. The criteria for a PASS will require all eight components of a 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 95% or above will result in a PASS. A score under 95% will result in a FAIL.
Face Liveness. 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.
Document Liveness. This confirms if the ID used for FaceMatch is physically present behind the camera to prevent an attacker from replaying an image or video of a legitimate user's ID to impersonate them.
Document Accepted. 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.
Document Not Expired. An expired identity document will result in a REVIEW, while a valid identity document will result in a PASS.
Duplicate Liveness Photo. Checks to see if a similar identification document or photo has been used for previous checks to help prevent impersonation.
Document Photo Overlay. The document is analysed for inconsistencies in images, font, colours, and shadows. Further checks are conducted for document pixelation, distortion, and blurriness.
Document not Printed. Verifies whether the captured document is an actual ID and not just a copy (e.g. scanned copy).
If one or more of the eight 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 Face Liveness Check is REVIEW, the overall FaceMatch result will be FAIL.
Sample FaceMatch - PASS Report
If the overall FaceMatch result is REVIEW or FAIL you do have the ability in your check history to either Resend FaceMatch to your customer to retry the process or you can manually Approve FaceMatch via the check history.
Want to know more?
Book a 30-min platform training - https://calendly.com/andy-realaml/realaml-training