“This technology has helped in so many cases. I hope it will be used even more,” says a liveness check expert Peter Molčány
Videocalls have been a standard for liveness checks, but they are expensive and difficult to scale. Also, users avoid them whenever possible. Technology was needed to make liveness checks much more affordable and user-friendly. With liveness, you can use biometrics for EU-required SCA (Strong Customer Authentication) to make it as convenient as possible.
In Innovatrics lab the 3D masks are used for teaching networks to be able to detect tricks on identification systems.
Molčány recalls how Innovatrics came up with its very own system to improve its data sets: “We began working with a small data set we already had, but soon realised that it was not enough and so created our data collection app to target specific groups of people. This way, we made sure the data was coming from different devices and would be sufficiently varied.”
“We wanted to be 100% sure that the data sets are anonymised, that they are not linked to any other personal information and that access to this data is limited and only available to people who do the training.”
In addition to the technical advancement this provided, Innovatrics also ensured all users of the app are given a clear explanation on what the data is going to be used for: “We wanted to be 100% clear that the data sets are anonymised, that they are not linked to any other personal information and that access to this data is limited and only available to people who do the training,” Peter Molčány clarifies.
Besides external companies who handle the data collection, people who are part of the testing sample also come from within Innovatrics, and so, according to Molčány, their motivation to improve the algorithm was natural.
Innovatrics’ Digital Onboarding Toolkit (DOT) is a full technology stack for developing remote identity verification applications. Each component is developed in-house and is well documented for easy integration. The Digital Onboarding Toolkit allows the storage and management of customer biometric data for authentication and identity fraud prevention.
Improving is a constant process
Peter adds that the need to create their own data set was inevitable, because unlike with facial recognition, there are no standardised data sets for liveness checks training to ensure the performance of the technology is good. “You can submit an algorithm to the benchmark evaluation National Institute of Standards and Technology (NIST) and they can test it. But we normally measure the accuracy ourselves, even for the verification.”
One can also submit an algorithm to the organisation iBeta, which can check the accuracy of the solution. The list of the companies who have passed the iBeta testing is growing, but the extent to which these companies improve their algorithms after they have passed, differs. According to Peter Molčány, Innovatrics keeps collecting new data in order to expand the data set and to make it more varied. Furthermore, not only do they focus on ensuring that fraudsters cannot spoof it, but the company is also focused on improving the user experience so that the service performs smoothly and is easy for legitimate users.
“Every time we release a new version, we update the algorithm too – and that means we innovate multiple times a year.”
“Improving is a constant process. Every time we release a new version, we update the algorithm too, which means we innovate multiple times a year,” explains Molčány, adding that the changes might not always be visible, but that’s because Innovatrics’ algorithm is already highly accurate.
Travelling or checking-in at hotels could be a lot easier
Liveness checks can be used anywhere there are physically unattended access points, and it’s a convenient solution even for smaller businesses who need to speed up their customer onboarding. Additionally, each business can set their own security and convenience levels, and tune the solution of the liveness check according to their own needs. “The feedback we got from the market was very good. The customers really liked the technology, and were also very happy with the accuracy and the speed of the whole solution,” adds the integration consultant.
Fears of new kinds of potential attacks are behind the urge to keep improving the algorithms. “It is hard to imagine what the future holds,” admits Molčány, “but I’ve seen so many cases in real life where this technology has helped, and made things faster and easier to use, that I only hope it will be used even more.”
AUTHOR: Barbara Rusnáková
PHOTOS: Dominika Behúlová, archive of Innovatrics