ID Document Verification - Automated Identity Checks

Reduce Risk, Ensure Compliance and Keep Customers Happy

Identity fraud is one of the biggest issues organisations are facing today. The solution is to create a seamless end-to-end platform for organisations to onboard and safely keep track of customer data. Melissa’s Mult-Layered ID Document Scan Verification is a service that enables businesses to confidently onboard new customers with cutting edge technology integrating the use of AI, biometrics and machine learning.

Proof of life Scans face and checks for eye movement to establish if the person behind the ID is real
Document Verification Capture ID & Document data using Machine Readable Zone (MRZ) and Optical Character Recognition (OCR) to extract crucial information from passports, utility bills, driver’s licence, etc
Biometrics Uses powerful smart facial recognition and facial comparison algorithms to match a person’s selfie to their photo ID
Address Verification To additionally add an extra level of protection where a person’s name and address is extracted and verified against multiple databases to confirm a full address match

Implement Safe and Secure Customer On-Boarding and Know Your Customer (KYC) Rules

Melissa’s ID Document Scan and its multi-layered verification allows businesses to successfully enable robust security giving a smarter and more secure alternative to Knowledge Based Authentication (KBA). Detect fraud seamlessly and obtain a complete user verification in a simple 1-2-3-4 process.

Smooth Customer Journey: Verify the identity of customers with ease with a simple 3 step process all in less than 60 seconds.
High Accuracy in Data Extraction: A reliable solution that captures and extracts crucial information needed for KYC compliance.
Remote On-boarding: Users can scan and upload from any remote location including the comfort of their own home.
Full Audit Trail: Generates a customer due diligence report which is stored securely.
Multi-System Workflow: Integrates with all android, iOS and PC systems as well as web form, checkout, mobile applications.
Efficient Streamlined Process: The included business portal allows all submitted documentation to be reviewed and approved in less than a minute.

On-Boarding and Know Your Customer (KYC)

How It Works

1 ID Document Scanning & Extraction

Using the power of Machine Readable Zone (MRZ) This automatically recognises the type of ID document being shown and supports more than 2000 ID templates from all countries worldwide, ensuring global authentication .

2 Biometrics & Optical Character Recognition

This algorithm will recognise a matchup between the user’s selfie and their ID image presented. This capability can identify over 60 facial features to distinguish changes between the selfie and the ID image including hair, makeup, age, hairstyle, positions in head pose and more.

ID Document Scanning & Extraction - Melissa UK

Biometrics & Optical Character Recognition - Melissa UK

3 Liveness Testing

This step will determine if a person is live and not a static photo or video representation of another individual. By confirming that the person is a real live person and preforming the previous steps of facial matching and document scanning, this confirms that the individual is the true owner of the documentation and the documentation is authentic.

4 Address Verification

This extra capability verifies the name to the address extracted, matching it against multiple databases to confirm that the full address is valid and there is a match, showcasing proof of address.

Melissa Advantages

		Other SaaS Vendors
Out-Of-Box Ready to Use		No Customisation Capability
Built, Tested & Integrates to Any Process
Easily Customisable
Included Business Portal Enables More Control
Provides Access to Technical or Manual Checks		Limited Access to Technical Checks
Avoids High Cost & Time with Complex Integration		May Need Significant Development Time
Maintenance, Servicing & Upgrades Included
Highest pass rate on the market with 93%
API/SDK Availability		Complex API/SDK Integration
Name to Address Match
Address Verification for 250+ Countries

Explore Our Range of Identity Verification Solutions

Melissa’s identity verification utilises a range of industry-leading services, which are flexible and designed for organisations of all sizes, to meet KYC & AML compliance needs. Our additional identity verification solutions include: