London, U.K. // www.jumio.com
New video-selfie technology is available from Jumio, an AI-powered identity as a service provider. The secure and rapid authentication method is ideal for account logins and high-risk scenarios (e.g., logging in from a foreign IP address or authorizing high-risk transactions such as wire transfers and online purchases).
“As more of our important interactions move online, establishing trust digitally has become critical,” said Stephen Stuut, Jumio’s CEO. “Jumio is pioneering selfie-based authentication to allow businesses to leverage biometric user data captured during enrollment and reverify that data in the future. With new selfie-based authentication, users are not required to repeat the identity proofing process again — they just take a quick selfie — and as the digital chain of trust grows, so does the security level.”
Biometric authentication offers far greater security than previous step-up methods, such as knowledge-based and multi-factor authentications, which remain vulnerable to imposters, credential phishing, large-scale data breaches, dark web user data dumps and man-in-the-middle attacks. However, with past biometric authentication methods, fraudsters have quickly learned to fool online identity solutions with spoofing attacks (i.e., using a photo, video or mask of the authorized person’s face). Because of this, it’s increasingly imperative to check whether the correct user is physically present during the account enrollment process.
To combat these weaknesses, Jumio integrated iBeta Level 1 and Level 2 Certified anti-spoofing technology, ZoOm 3D Face Login with TrueLiveness Detection from FaceTec, into its online identity verification suite to capture and process the user’s face images taken from any 2D mobile device camera or webcam. These face frames are then reconstituted to create a 3D face map, which contains more than 100 times more liveness data than a 2D photo.
The digital chain of trust begins at enrollment when an online user takes a photo of his/her government-issued ID (driver’s license, passport or ID card) and then takes a video-selfie, which is instantly analyzed via AI to determine that they are a living human and not a spoof. The selfie is compared to the picture on the ID document to reliably establish the digital identity of the new user. When the user wants to log in to an account or whenever a high-risk transaction occurs, the platform allows the user to take another video-selfie (where a new 3D face map is created), which is then compared with the original face map, verifying the user and unlocking the account in seconds.