Verifying Identity using ID
Biometrics - Helping to Combat application fraud.
The ID Biometric or Selfie check
is
the most highly recommended verification of Identity as it allows you to
perform a live "selfie check" on the applicant, almost always
verifying that you are indeed dealing with the correct person.
The selfie check performs two crucial checks to combat Identity fraud:
1. Is the applicant present to take a
selfie in front of a computer or on their phone?
This ensure they are the actual applicant you are
expecting, and that they are actually in front of the camera and alive. Not just
a decent ID book copy that looks right. This also verifies they have access to
the email or cellphone you sent the link too.
2.
Does the applicant, you have just
taken a photo of, exist at Home Affairs and do they match the picture on file
for the ID Number and Name you captured?
The captured photo is then vetted against the
details you have captured and the photo at Home affairs. Again ensuring the person matches the details
you will use to vet your tenant against and use to draw up a lease agreement.
How the check works:
In this check a SMS is sent to the applicant to ask them to
confirm their identity, this SMS is sent the phone number captured on the
Credit check.
Once the applicant clicks the link in the SMS it will ask them to
capture themselves using their phone / computer camera. The Check will ask them
to move their head around in a defined area and follow on screen instructions.
Once a photo is captured the photo is verified against the latest ID
or Passport picture captured at the Department of Home Affairs. This can be a green
barcoded ID, a smart card or passport.
We will verify that the details you captured match those on the
Home Affairs database and the photo is of the same person who was assigned the
ID Number.
Once the check is completed by the applicant the Home Affairs
photo as well as the selfie photo will be returned to you with an outcome
showing mismatched fields and/ or non-match of photos.