BaadMay & truID: Secure Remote Customer Identity Verification

Overview

BaadMay, an emerging Buy Now Pay Later (BNPL) startup, aspired to remotely verify its customers, anchoring its strategy on advanced identity verification mechanisms. To achieve this, BaadMay entered into collaboration with truID. The primary objective was to incorporate truID's online identity verification service within BaadMay's web and mobile apps. This SaaS-based service from truID was expected to offer a suite of features, including liveness detection, ID document authenticity checks, photo-ID to selfie matching, and automatic text extraction using OCR. The ID documents that truID was required to support included Smart CNIC, NICOP, POC, and Urdu ID cards. From these, specific details such as the ID number, name, father's name, date of birth, and date of expiry from Smart CNICs, PoC, and NICOP, and the ID number and date of issue from the Urdu ID cards were to be extracted automatically using OCR. Furthermore, BaadMay emphasized the importance of editing OCR outputs through an admin dashboard.

• Multi-Platform Integration: The service needed to integrate with both web and mobile applications.

• Support for Multiple ID Types: The system had to authenticate Smart CNIC, NICOP, POC, and Urdu ID cards.

• Automated Data Extraction: OCR was required to extract key data points accurately from all supported ID documents.

• Editable OCR Data: Extracted information needed to be editable by BaadMay's admin via the dashboard.

• Admin Oversight: Manual verification tools for suspicious cases and a comprehensive audit trail were expected.

• Performance & Reliability: 24x7 service availability with support during standard working hours (10 AM to 7 PM PST) was mandatory.

truID provided a SaaS-based online identity verification solution fully integrated into BaadMay's web and mobile apps. The solution included:

• Liveness detection and ID document authenticity checks

• Photo-ID to selfie matching

• OCR-based extraction of essential data points from Smart CNIC, NICOP, POC, and Urdu ID cards

• Editable OCR outputs via BaadMay admin dashboard

• Return of digital copies of ID documents and extracted information to BaadMay

• Admin dashboard with manual verification feature for suspicious cases

• Comprehensive audit trail available to admins

• Web SDK and Mobile SDK for seamless platform integration

• High availability and dedicated support during standard working hours

• Secure remote customer verification across web and mobile platforms

• Support for multiple ID types: Smart CNIC, NICOP, POC, and Urdu ID cards

• Automatic extraction of essential information using OCR

• Editable OCR data via admin dashboard

• Digital copies of ID documents returned to BaadMay

• Manual verification capabilities for suspicious cases

• Comprehensive audit trail for verification processes

• 24x7 service availability with dedicated support

• Automated workflow leveraging AI, Computer Vision, and NLP

Conclusion

truID enabled BaadMay to implement a fully automated, SaaS-based identity verification system for its web and mobile apps. The solution supported multiple ID types, returned digital copies of documents, offered editable OCR data, and provided admin oversight with manual verification and audit trail functionality. This ensured a secure, reliable, and user-friendly remote identity verification experience.