Secure In-App Identity Verification

Overview

truID had provided an online identity verification service tailored specifically for HBL Microfinance Bank. The integration of truID's service had been directly within the HBL MfB application, allowing users to access it from within the app itself. The hosting of this service was executed on HBL MfB's premises. Key features of this verification process had encompassed liveness detection, card validation, photo-ID to selfie matching, and touchless fingerprint biometric checks. The system supported both Smart CNIC and Urdu CNIC cards. The service's Optical Character Recognition (OCR) capability automatically extracted essential information from the Smart CNIC and Urdu CNIC ID documents, such as ID number, name, father's name, date of birth, and date of expiry. An added functionality ensured that any OCR output was editable by the HBL MfB admin via a dashboard.

HBL MfB required a solution that could provide identity verification directly within their mobile application, supporting multiple CNIC formats and maintaining full compliance and auditability. The challenges included:

• Seamless Mobile Integration: The service needed to operate entirely inside the HBL MfB application for Android and iOS.

• Support for Smart CNIC and Urdu CNIC: Accurate extraction of ID number, name, father's name, date of birth, and date of expiry was required.

• Biometric Verification Without Hardware: Liveness detection, card validation, photo-ID to selfie matching, and touchless fingerprint checks had to function without additional devices.

• Admin Oversight and Compliance: The bank needed manual verification for dubious cases and a comprehensive audit trail of the verification procedure.

• Future API Integration: The system needed the capacity to integrate with NADRA Verisys and Biosys APIs as provided by the service provider.

truID provided a SaaS-based identity verification service fully integrated within the HBL MfB mobile application and hosted on-premises. The solution included:

• Liveness detection, card validation, photo-ID to selfie matching, and touchless fingerprint biometric checks

• Support for both Smart CNIC and Urdu CNIC with OCR automatically extracting all essential fields

• Editable OCR output by HBL MfB admins through a dashboard

• Return of digital copy of the ID document, selfie, and extracted data to HBL MfB

• Admin dashboard with manual verification for potentially dubious cases and complete audit trail

• Integration compatible with both Android and iOS SDKs

• Service designed to enable future integration with NADRA Verisys and Biosys APIs

• In-app identity verification within HBL MfB mobile application

• Support for both Smart CNIC and Urdu CNIC with automatic OCR extraction

• Liveness detection, card validation, and photo-ID to selfie matching

• Touchless fingerprint biometric checks without hardware dependency

• Admin dashboard with manual verification and full audit trail

• Digital copies of ID and selfie returned to HBL MfB

• Compatible with Android and iOS platforms

• Prepared for integration with NADRA Verisys and Biosys APIs

Conclusion

truID enabled HBL Microfinance Bank to implement a fully digital, in-app identity verification system with biometric checks, document validation, OCR extraction, and administrative oversight, all hosted on-premises. The solution supported Smart and Urdu CNICs, returned digital copies of ID and selfies, and included manual verification and audit trail capabilities, providing a secure and compliant identity verification experience.