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This page explains the data processing when Open Bank verifies a Trust membership account for an E Resident. All digital public goods and services deployed on the Open Constitution AI network are only accessible by a verified Trust membership account.
Add an ID document:
Document checks verify the authenticity of government-issued identity documents. Foundation uses a combination of machine learning models, automated heuristic analysis and manual reviewers to verify the authenticity of hundreds of different document types.
Machine learning models are used to capture high-definition pictures of the fronts and backs of documents. The document images are analyzed in real-time to check for legibility and warn the human if the document is expired or unlikely to be verified.
Our AI tools check the images against a database of fraudulent document templates. This database is updated frequently so that 'Document Checks' can detect new fake document templates and automatically block them.
Wherever available, barcodes and other machine-readable features of any document are decoded and consistency checks are performed to ensure that the text document data matches the machine-readable data.
To prevent “presentation attacks” — e.g. fraudsters using pictures of stolen documents or someone else’s face, the Foundation uses computer vision and machine learning algorithms to ensure the human captured an image of an actual document.
Document checks are available for most government-issued documents (national IDs, driving licences and passports) from the following countries:
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Acceptable identity documents vary by country, but the E Residency Trust Account verification is available in: Albania, Algeria, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Belarus, Belgium, Benin, Bolivia, Brazil, Bulgaria, Cameroon, Canada, Chile, China, Colombia, Costa Rica, Côte d’Ivoire, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Greece, Guatemala, Haiti, Honduras, Hong Kong, Hungary, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kuwait, Latvia, Lebanon, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mauritius, Mexico, Moldova, Mongolia, Morocco, Myanmar (Burma), Nepal, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Pakistan, Palestinian Territories, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Russia, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Thailand, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates United Kingdom, United States, Uruguay, Uzbekistan, Venezuela, Vietnam |
What types of identity docs are accepted to verify myself?
Acceptable identity documents vary by country, however, a passport scan for identity verification is always acceptable and is preferred.
Please see the list of Exceptions to ID Document Types based on certain Country or region.
A valid ID can be:
Passport (photo page only)
National ID card
Photo driving licence
Everything on the document you share should match the information on your Open Bank account.
Make sure the photo isn’t blurry or covered, so the Sentient Bot can see all the info. If there’s information on the back of your document, Sentient Bot needs to see that, too.
Make sure the document is in English.
A valid proof of address document can be:
Utility bills: gas, electric, or landline phone (no mobile phone bills)
A bank or credit card statement (photo/scan of a physical letter or PDF of statement)
A council tax bill, or a HMRC notification
Vehicle registration or tax
Photo driving licence showing your address and expiry date
Any other government or financial institution-issued document
How long does verification take?
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Read more about acceptable documents.
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Add a Selfie
While document checks provide a defence against the use of fraudulent identity documents, fraudsters can get access to legitimate stolen documents. To prevent this, the Open Bank service can perform selfie checks on your membership accounts.
Selfie checks look for distinguishing biological traits, such as face geometry, from a photo ID and a picture of your user’s face. The AI service then uses advanced machine learning algorithms to ensure the face pictures belong to the same human.
What are a few reasons why my Self-verification may fail?
The provided identity document did not contain a picture of a face. |
The captured face image did not match with the document’s face. |
The AI service couldn’t verify the provided selfie. |
The captured face image was manipulated. |
Contact Verification
a low-friction verification method that helps reduce conversion time and improve the verification process.
The Foundation asks a member for their phone number and personal email in the identity flow.
We’ll send an SMS verification code to the given phone number, and another verification code to the given email, that the member must confirm on the screen.
Simultaneously, we’ll attempt to verify phone number ownership using our records along with other risk signals on the AI network.
If we can verify ownership data, the member can return to your site. If we can’t reach a decision, the member can seamlessly transition into the document verification flow.
How long does Self Verification take?
It is a real-time process. It happens at the moment, and no human is involved at the time of your verification checks. No human can access your ID document during the verification session that a member has created, either during the onboarding of the Trust account or during the period of their membership.