Remote Authentication System Using Facial Recognition and Identity Document Verification
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Solution Overview
Problem
Existing systems for remote electronic authentication and financial transactions require initial secure credentials from users, limiting access for users in remote areas and excluding smaller financial institutions from expanding their client base, as they rely on physical presence for identity verification.
Innovation Solution
A system and method for remote electronic authentication that uses a user's computer or mobile device with an image acquisition device to capture and transmit images and video sequences to a server for facial recognition and identity document verification, allowing for live streaming and storage of authentication data without initial credentials, enabling secure remote onboarding and account opening.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If initial secure credentials are required for remote electronic authentication, then authentication security is improved, but accessibility for users in remote areas and smaller financial institutions deteriorates
Solution Approach 1:
The system captures images and video sequences of the user and their identity document using an image acquisition device, creating visual copies that are transmitted to the server for authentication. This eliminates the need for physical presence or pre-issued credentials, as the authentication is based on captured visual data that can be analyzed remotely
Solution Approach 2:
The server computer acts as an intermediary between the user and the authentication system. It receives images and video sequences, performs facial recognition analysis, compares facial features with identity document images, and makes authentication decisions. This intermediary enables secure authentication without requiring users to physically visit financial institutions or possess initial credentials
2Reliability
If physical presence is required for identity verification, then authentication reliability is improved, but market access for smaller financial institutions deteriorates
Solution Approach 1:
The system replaces the mechanical requirement of physical presence with an automated digital analysis system. The server computer uses facial recognition algorithms to analyze captured images and video sequences, comparing facial features with those on the identity document. This substitution enables remote authentication with reliability comparable to physical verification, allowing smaller financial institutions to expand their market access without establishing physical branches
3Reliability
If multiple authentication procedures are implemented, then fraud prevention is improved, but system complexity increases
Solution Approach 1:
The system merges multiple authentication procedures into a unified process. The server computer simultaneously performs facial recognition analysis on captured images, extracts and compares facial features with identity document images, and validates the user's identity through video sequencing. These multiple verification steps are combined in a single integrated system that prevents fraud without requiring the user to interact with separate complex systems
Data Source
AI summary
The remote electronic authentication method uses an electronic communication device (20) with a camera (21) and an authentication related server computer (30). In a connecting step the communication device (20) of the user is connected with the server computer via a communication line (40) and transmits image data sequences taken by the camera (21) to the server computer (30) which then identifies image portions of the acquired data stream related to an identity document shown in the image data sequences as well as image portions related to the head of a user at the user computer (20) in the same image data sequences. A comparison is made between an image of a head in the image related to the identity document and the image of the head of the user and a decision proposal is issued relating to identity of the heads from the two acquired image portions.