Secure In-App Identity Verification

Overview

MyTM sought to integrate a SaaS-based online identity verification service from truID to enhance its mobile app functionalities for the onboarding of both its customers and agents. Specifically, the service was geared towards integration with both iOS and Android platforms. For agent onboarding, the standard verification flow, including liveness detection, card verification, and photo-ID to selfie matching, was emphasized. In contrast, the customer onboarding process pivoted around biometric verification, where the user's fingerprints were captured via the mobile app and subsequently verified using the NADRA BioSys API. truID was required to accommodate various Smart CNIC and Urdu CNIC card types for card authentication. An essential aspect of the service was the automatic extraction of specific data points from these ID documents through OCR, including the ID number, name, father's name, date of birth, and date of expiry from Smart CNICs, and the ID number and date of birth from Urdu CNICs.

• Multi-Platform Integration: The service needed to integrate with both iOS and Android apps.

• Agent vs Customer Onboarding Flows: Agent onboarding required liveness detection, card verification, and selfie matching, while customer onboarding focused on fingerprint biometric verification through NADRA BioSys API.

• Support for Smart CNIC and Urdu CNIC: The system had to authenticate multiple card types and extract accurate data through OCR.

• Editable OCR Data: Extracted data had to be modifiable by MyTM's admin from the dashboard.

• Admin Oversight: Manual verification tools were required for suspicious cases, along with a comprehensive audit trail.

• Performance & Reliability: 24x7 service availability and user-friendly verification times for concurrent users were mandatory.

truID provided a SaaS-based online identity verification service fully integrated within MyTM's mobile applications. The solution included:

• Agent onboarding with liveness detection, card verification, and photo-ID to selfie matching

• Customer onboarding using fingerprint biometric verification through NADRA BioSys API

• Support for Smart CNIC and Urdu CNIC card types with OCR-based extraction of relevant data points

• Editable OCR outputs via the MyTM admin dashboard

• Return of digital copies of ID documents, selfies, and OCR-extracted information to MyTM

• Admin dashboard for manual verification and audit trail monitoring

• High performance and availability with 24x7 uptime and support during standard working hours

• Seamless onboarding for both customers and agents within MyTM's mobile apps

• Agent verification with liveness detection, card verification, and photo-ID to selfie matching

• Customer onboarding with fingerprint biometric verification via NADRA BioSys API

• Support for Smart CNIC and Urdu CNIC card types

• Automatic OCR extraction of essential data points from ID documents

• Editable OCR-generated data via the MyTM admin dashboard

• Return of digital copies of ID documents, selfies, and OCR-extracted information

• Admin dashboard for manual verification and audit trail monitoring

• 24x7 availability of the verification service with user-friendly verification times

Conclusion

truID enabled MyTM to enhance its mobile app onboarding processes by providing secure, reliable, and user-friendly identity verification for both customers and agents. The solution supported multiple CNIC types, allowed editable OCR data, returned digital copies of ID and selfie, and provided admin oversight with audit trail functionality.