The identity verification world has gone through a roller coaster ride since the arrival of the CoronaVirus pandemic. It has moved from fingerprint scanning and KBA processes to biometric and NFC-based authentication. In this article, we will outline the introduction and working of NFC identity verification. Moreover, we will address the underlying technology needs of the world right now. Firstly, let’s go through, specifically, the evolution of technology in the digital NFC identity verification process.
Evolution of Biometric Technologies
To understand better, how these biometric technologies became so crucial for identification, let’s take a retrospective look at them.
The employment of the biometric verification process is not a novel practice. Its first use in a commercial setting dates back to 1858 when a British officer in India, William James Herschel, used fingerprints for identification. Understandably, it was paper-based and its usage in the years to follow slowly increased. Moreover, in the technological world, the use of fingerprint technology surged after its installation in iPhone 5S.
In recent times, the place of fingerprint scanning is taken over by AI-based face recognition systems. It is a fool-proof tool that assists the near-field communication verification process. It is employed in a variety of authentication processes including, NFC Payment Verification and NFC Biometric verification processes.
Technology: A Boon or a Curse?
Moving on to the topic of technology, well, it is a two-edged sword. On one hand, you are blessed with a vast variety of life-changing applications while you face the abuse of the same technology, on the other. But, it is not the technology itself that is to blame but the hands operating it. One of the instances is the advent of smartphones. Smartphones are a fitting example of the polarizing use of technology. They have streamlined the automation of our daily chores with significant ease and pace. While they have also become a beacon of insecurity and a surmounting threat to privacy.
Access and Availability of Technology in Digital IDV Process
Since the user’s device is the most important thing in the digital identity verification process, thus, employing a technology that is accessible to the common populace while being convenient to use is a pertinent need for these organizations. Currently, there are almost 4 billion smartphones in the world right now and half of these devices are enabled with NFC technology. Therefore, smartphones with NFC functionality are suitable for digital ID verification.
NFC Technology: What is it?
Near Field Communication (NFC) is an RFID technology used for communication between two NFC-enabled smartphones within a short distance. The range of NFC is about 10 cm extendable to 20 cm with some modifications. This intentional short-range is to increase the security of the NFC communication and data transfer.
NFC Identity Verification Process: A Walkthrough
NFC verification solutions provide state-of-the-art services coupled with AI-powered document authentication and face recognition technology. So, without further wait, let’s analyze the process of NFC identity verification:
- At the start of the process, the user takes a photo of their biometric identity card compliant with ICAO 9303 standard. It is an international regulation that
- Secondly, the Machine Readable Zone (MRZ) section on the e-identity card is checked for any forgery attempts.
- Through the face verification tool, the picture of the customer on the biometric identity document is matched with the real-time selfie of the user.
- Then, the information is read and extracted from the biometric identity document.
- Following this, the NFC chip of the e-document is scanned.
- Finally, the process ends when the textual information extracted from the e-document is compared with the chip data.
Employing the Best NFC identity Verification Solution
To employ the service that suits the nature of your business, can seem a daunting task. Businesses looking for the services of digital NFC verification solutions should make a checklist of their needs and their level of priority. Moreover, the third-party service that provides a holistic approach to digitally verify customers’ identities is the one to go for. They should provide AI-based document verification, face recognition, and OCR service with the extra verification step of NFC.