9.12.2 Contactable KYC Service

Contactable provides a highly effective identity orchestration platform that includes advanced Intelligent Facial Biometric Anti-spoofing algorithms. These algorithms are made available in a frictionless user verification journey using simply 2 dimensional facial images captured directly from a mobile or web-based camera.

The anti-spoofing algorithms are NIST rated and i-Beta level 1 and level 2 ISO 30107-3 compliant qualifying them as quite reliable. The anti-spoofing algorithms can test for presentation attacks related to printed photos, cut-out masks, digital and video replay attacks and 3-dimensional masking. While testing, the service also checks for liveness and prevent fraud being committed through the use of false facial identity by comparing a living person's facial image to a reference image often obtained independently from an independent data source. A successful biometric comparison of a user's facial image to a reference image then binds the two data sets to each other for use in assessing truth.

To configure the Contactable KYC service for Facial Recognition, perform the following steps:

  1. Click Methods > Facial Recognition on the Advanced Authentication Administration Portal.

  2. Select Contactable KYC Service as API Provider.

  3. Specify the following details:

    Parameter

    Description

    Base URL

    The Contactable KYC service URL for validating the captured face.

    User name

    The username to access the Contactable KYC service.

    Password

    The password to access the Contactable KYC service.

    Organization code

    An unique code thats helps Contactable KYC service to group the requests.

    Encryption Key

    The key to secure the communication between the Contactable KYC service and Advanced Authentication.

    Encryption initialization vector

    A value that is used along with a secret key to encrypt data so that the encrypted values are not identical.

    Client timeout (seconds)

    The duration till when the Advanced Authentication server waits for a response from the Contactable KYC service.

    Allow lower resolution image scan

    It enables the Advanced Authentication server to receive the lower resolution facial images that do not comply with standards. The option is set to OFF by default. The facial image that does not comply with the standard is not sent to the server for validation. However, if the face recognition device complies with image standards then the authentication is successful without any issue.

    When set to ON, the Advanced Authentication server receives the lower resolution facial images that do not comply with standards. However, authentication might not be successful.

  4. Click Save.