KYC technology to digital onboarding

MobbScan performs multiple validations and checks on the ID document to verify its authenticity and prevent document fraud:

• It validates the data contained in the ID document itself, such as control digits, detects and analyses specimens on the document, and matches the front and back of the paper.
• It analyses the document´s appearance and detects physical manipulations, photocopies, or screenshots.
• It recognises if the document has suffered any manipulation with image editing software.
• It analyses dynamic elements such as laser marks or holograms and, if applicable, the NFC chip security.

Through OCR (Optical character recognition), all textual information from the image is extracted to manage it as data, fill in a form, and so forth. It makes it easier for the client to introduce personal data in a mobile environment or on a PC.

In short, MobbScan automates and accelerates the entering data process and improves user experience in the registration process. 

MobbScan enables contact reading of the information contained in some identities documents with NFC chip:

• 3.0 Spanish ID
• ICAO MRTD (Machine Readable Travel Document) regulation complying with passports

MobbScan not only collects information from a document or validates its truthfulness but also uses biometric facial recognition to verify that the individual presenting the document is the same who appears in the document´s photo as the legitimate holder.

Face recognition guide

The identity theft attack detection techniques that Mobbeel applies can be active and passive, depending on the user´s collaboration. They can detect the following situations: 

• Modification of the facial image of the ID document to match that of the user performing the management.
• Presentation of the ID document while capturing the user´s facial image during registration.
• Use of photos or masks to impersonate another person.
• Atack with still images or videos of the individual being impersonated.

Depending on the legal framework, the Digital Onboarding process sometimes is video recorded as support in an unattended operation. MobbScan integrates the videoconference, allowing the generation of a video file from camera flow to its later review. 

All pieces of evidence generated in Digital Onboarding processes are stored in the client´s databases using robust coding to comply with data protection law.

The integration of MobbScan technology in a web environment is accomplished through a web Gateway. It is a web application that enables digital onboarding processes, significantly streamlining integration processes to the extent that integration time is reduced to 1 or 2 days.

Supported languages can be configured, and in terms of usability, informational dialogs, texts, colors, fonts, images, etc., can be customized.

To ensure compliance with KYC and AML regulations, MobbScan verifies that a customer is who they say to be during the registration process while assessing if the information provided by the customer is precise.

Furthermore, MobbScan has an extensive and constantly evolving database to check different public lists to comply with Due Diligence checks: 

• International Sanctions
• Terrorists
• International PEPs
• Adverse news

In addition, you can use a monitoring system to proactively check if any of your customers have become a risk individual by performing due diligence checks. This check can be done while a relationship with the customer exists.

In Spain, SEPBLAC (Financial Intelligence Unit) is the supervisor for preventing money laundering and terrorist financing and is also responsible for defining due diligence measures. It enables companies to perform identification measures through video identification. Our technology allows recording on video the entire process for subsequent review.