Biometrics: the future of identity validation is now

Digital and facial recognition solutions offer agility, security and precision when hiring financial services in Brazil
Foto do rosto de uma mulher demonstrando um procedimento de reconhecimento facial
by Serpro Press and Media — 12 de march de 2019

Confirming a customer's identity is one of the most delicate steps when providing a financial service, such as opening a bank account or authorizing a loan. Companies main concerns are about security in order to prevent fraud. The impact for the customer is on bureaucracy, which requires time and patience to complete a process, including having to go to an office and sign various documents.

What if there was technology that would help these two fronts, making life easier for citizens and financial institutions? This technology is already available and gaining more space due to the popularization of smarphones and the gathering of large databases, favoring the consolidation of a wide digital business ecosystem. We are talking about biometrics.

Who has never used the fingerprint to unlock the phone or to buy something through an application? Who has never used or heard of facial recognition on mobile devices for identity validation (Brazil's digital driver license is an excellent example - portuguese only)?

How it works?

Biometrics uses people's physical characteristics such as fingerprint, eye shape, and mouth contour to recognize someone and distinguish them from others. Because it is something personal related to birth traits, biometrics has become one of the safest modes for authenticating business transactions.

Facial recognition and fingerprint are the most common and least costly examples today. These are modalities present in most of the mobile devices launched since 2017. Because of this, they are also the most used by Brazilians, whether for security in everyday use, for shopping or accessing more complex financial services such as obtaining credit.

Face recognition works from the analysis of an image, when several points are identified on the face. The information is compared to the images recorded in a database. Confirmation or denial of identity is almost instantaneous.

Fingerprint validation is a method that binds speed to high reliability. An optical reader captures the finger image and compares it to a database of previously recorded fingerprints. The system analyzes details such as the bifurcations of the grooves, arcs and contours present in the fingers.

How to associate biometrics to your business?

Dou you ever thought of having access to a nationwide biometric identification system to ensure more security for your business? Banks, finance companies, retail companies, mobile network operators and car rental companies can now rely on Datavalid, a data query API developed by Serpro that offers three layers of validation for greater security in identification and authentication processes:

  • Cadastral and biographical - validation of data such as name, age, date of birth, address, membership and others from cadastral information;
  • Facial biometrics - comparing photos with images from federal government databases;
  • Digital Biometrics - comparing one or more fingerprints with the records of the federal government database.

Datavalid is an API and therefore can be embedded in customers systems, allowing for automatic and batch validations as well as additional layers of security, such as life-proof protocols.

Go to the product page and learn more about it. Datavalid puts the power of consulting large government databases in the service of your company, minimizing the risk of fraud. Get a free 30-day trial and check the results that your company can obtain.