Facial Recognition Technology Helps Retailers Comply with FDA Regulations

Last year, the FDA impacted a $3.7 billion industry by ruling that vape pens and e-cigarettes won’t be available for sale to anyone under the age of 18 because they fall under the category of tobacco products. According to a survey conducted by the Center for Disease Control (CDC), one in four teenagers use vaping products like e-cigarettes and vape pipes. The CDC’s survey found that 24% of high schoolers have used alternative tobacco products like vape pens, e-cigars, and e-hookah.

Vape shops and other retailers across the country have spent the past year figuring out how to verify the ages of customers who want to buy e-cigarettes and other related products, whether it’s online or in-person. Every retailer of the covered products must “verify by means of photographic identification containing the bearer’s date of birth that no person purchasing the product is younger than 18 years of age” and must do so for any customer under the age of 27. While verification is needed, retailers need to address how they collect PII scanned from customer driver’s licenses and identification and mind state regulations such as New Jersey’s.

On Premise Verification

Acuant allows for quick authentication of IDs by scanning an ID with any mobile device or desktop scanner to verify that it is valid. This allows untrained personnel to detect sophisticated fake IDs and avoid hefty fines. Results are given in seconds to avoid long customer transactions.

Remote Verification

Online retailers are a popular point of purchase for many e-cigarette users. Similar requirements apply to online sales of traditional tobacco products and alcoholic beverages. Acuant allows retailers who sell vaping products to capitalize on the e-commerce trend and move their businesses online through its Facial Recognition and Match (FRM) technology. Acuant FRMTM enables online retailers in the alcohol and vaping industry to comply with new FDA regulations, which require retailers to validate that customers are over the age of 18.

For customers, Acuant FRM is as easy as taking a selfie, which is then compared to extracted biometric data contained in a government issued ID, such as a driver’s license. Facial recognition technology matches the face biometrics of the selfie to the face image on the ID to authenticate that they match. In addition, Acuant FRM provides liveness detection to prevent criminals from using static images. This one-time verification during account set up ensures that not only does the face match, but that there is also a live person in front of the camera.

Failure to verify customer ages can lead to sizable fines and other enforcement actions. For retailers in regulated environments and shipping companies, this means they need a fraud-proof way to check that the identity document being presented is valid and matches the individual currently making a purchase and that do not store PII. Acuant provides multiple customer friendly options.

 

 

LEARN MORE ABOUT AGE AND ID VERIFICATION SOLUTIONS

Improving Border Security with Better Technology Solutions: ePassports and Acuant CHIP™

Governments are increasingly turning to advanced technology like ePassports to secure their borders and its about time. Some nations like the Netherlands and Brazil use ePassports throughout their countries, but in many cases, it seems like the technology is far ahead of the adoption. With 328 ports of entry, more than 7,000 miles of borderlands and 95,000 miles of shoreline, the U.S. cannot rely on physical barricades and security checkpoints alone. ePassports that contain biometric information can be used by border security to quickly verify the identities of travelers without sacrificing accuracy.

Biometric passports include microprocessor chips that are embedded into the cover. Currently, facial, fingerprint, and iris recognition are the three types of biometric methods used in e-Passports. The chip contains a digital file of each biometric feature, and a comparison of features is performed at the time of crossing. The International Civil Aviation Organization (ICAO) has detailed the specifications that machine readable travel documents should have to create standardization across countries. Public Key Infrastructure (PKI) is used to authenticate the traveler’s identity through the passport chip. PKI makes it difficult for identity thieves and other criminals to forge ePassports.

Facial recognition is another component of ePassport technology that can aid with border security. Canada is already planning to use facial recognition technology within their major airports by the end of 2017. This new technology aims to allow passengers to use self-service border kiosks to assist with clearance. As biometric identity verification becomes more reliable and commonplace, consumers can use this technology through their mobile devices or at self-service kiosks in airports.

The omnipresence of biometric technology will enable more thorough screenings in less time. Chip readers can also be used in more commercialized settings, like in the hospitality industry. International travelers can use ePassports at self-service kiosks in hotel lobbies to bypass the language barrier and check into their rooms. ePassports can expedite the check-in process for hotel guests while leaving hospitality staff free to provide more personalized service.

Our new partnership with Mount Airey Group, a provider of identity solutions to federal agencies, launches the industry’s most comprehensive authentication product that will strengthen border control by minimizing the use of fraudulent passports. Acuant CHIPTM – our chip reader technology will be a core component integrated with Mount Airey Group’s Ozone® ePassport validation product.

The comprehensive ePassport solution is designed to handle a host of issues unique to passports with individualized policies for every country, and complies with all ISO and ICAO standards. We expect demand for these solutions to grow with the continued proliferation of ePassports and chip technology for border control as well as for commercial use. The convenience of ePassports makes them optimal for airports, where long lines at security checkpoints are common. Mobilizing chip reading technology in border environments will also enhance the coverage, responsiveness, and flexibility of field operations. Biometric technology is poised to become a vital component to national security and by converging physical and digital identities through ePassports, border security can improve accuracy and effectiveness.



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Reducing Identity Fraud in the Growing Sharing Economy

The digital economy has brought about the democratization of goods and services thanks to the advancement of technology, such as increased broadband connections with high-speed. It’s also helped modernize the sharing economy to push it forward so that people can enjoy its benefits of convenience, simplicity and consumer empowerment to share almost anything from bicycles and homes to medical equipment. Even businesses are increasingly allowing their employees to take advantage of the cost savings from using ride-hailing and home rental apps. However, the rising threat of identity fraud is becoming synonymous with the growing digital economy. Discover how identity fraud affects the sharing economy and what action you can take to combat it.

Identity fraud is growing.

Identity fraud steadily increases, and technology is making it easier to do. ID fraud increased by 16 percent between 2015 and 2016, and the sharing economy is not immune. The sharing economy can provide a loophole for businesses that fail to do a thorough background check on providers or hosts of services. Moreover, ID fraud is often facilitated via technology with hacking being as simple as exploiting your enterprise’s vulnerabilities or phishing for information from consumers. These instances can potentially leave your business at risk for cyber attacks and liability suits.

ID fraud presents opportunities for “fraud-fighting” technology.

While reputation ratings have been used to help reduce fraudulent behavior, a more digital resolution is gaining popularity for being user-friendly and more secure. As a solution to circumvent identity fraud in the sharing economy, businesses are taking matters into their own hands with “fraud-fighting technology. Businesses and even governments are using biometric security technology, such as facial recognition systems and devices that detect fingerprints digitally. ID scanning or scan license technology, ID authentication and ID verification services also help to mitigate identity theft. They offer the main benefit of being able to verify people’s identities in real-time.

Final Thoughts

Despite the rising risk of identity fraud within the sharing economy, there are several solutions to address identity fraud. Sharing economy businesses can utilize these user-friendly ID verification solutions to instantly reduce fraud and protect both themselves and consumers. With Acuant, it takes less than 10 seconds to authenticate an ID, and another few seconds to match the photo on the ID to a selfie taken with our facial recognition match. Our solutions are all made to support person and card not present transactions for all operating systems that dominate the digital economy. 10 seconds can amount to saving millions of dollars.





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With Over 3 Million Transactions Monthly, Acuant Debuts New and Improved ID Capture and Facial Recognition Technology that Reduces Fraud While Being Customer Friendly

The new economy provides consumers with more ways of transacting than ever before including in-person and person-not present transactions utilizing web services, mobile devices and apps. With transactions becoming increasingly digital, comes the unfortunate rise and sophistication of identity fraud. We are in the age of the biggest data breaches of all time exposing consumer username and passwords to very skilled hackers and fraudsters at large. Identity verification solutions must be robust; businesses and consumers need to take steps to establish trust and ensure protection.

So what does it mean to protect your business from identity fraud today? And how do the solutions you chose affect your customer conversion/acceptance rates and tackle customer privacy concerns? Addressing these questions and the evolving landscape of the convergence of physical and digital identity is the focus of Acuant’s solutions.

Identifying your Level of Risk and Assurance

There is no one size fits all formula for identity verification solutions. The first step is for businesses to identify the level of risk they are willing to accept. For example, a financial institution will have more security concerns than a bike sharing app and a lower security threshold. Once you know what your level of acceptable risk is, you have determined your level of assurance or level of identity verification required. In the past, a simple password and Knowledge Based Authentication question (KBA) that asks something like “In what city were you born?” has been the standard. This is no longer sufficient for secure transactions. Today multi-factor authentication is recommended.

Multi-factor Authentication means that a user has successfully met 2 of 3 categories by presenting:

  • Something You Have (ID or Credential)
  • Something You Know (password, PIN or Answers to Questions – KBA)
  • Something You Are (Biometrics: Fingerprint, Facial Recognition, Voice)

Multi-factor Authentication

Use Cases and Considering the Customer Experience

While it is obvious that certain industries (healthcare, finance, gaming, etc.) must meet industry regulations, there is an important counterpart to consider:  customer experience. Businesses must identify the balance of security and assurance they need with the friction incurred by their customers. For example, a customer onboarding experience could be as quick and easy as scanning an ID from a mobile device or desktop scanner that will prove that an ID is not a fake. Acuant’s AssureIDTM accomplishes this in seconds using the industry’s fastest, most accurate capture technology. AssureID performs over 50 forensic tests in seconds to ensure an ID is valid. If the person is present, standing in front of an employee, this may be sufficient. Retailers, restaurants and other outlets often do a quick visual scan of ID’s, but that method is not validating an ID and does little to prevent fraud. The addition of ID scanning is a quick and easy way to add level of assurance in any environment with mobile, desktop scanner or self-service kiosk options.

What about transactions where a person is not present? These types of transactions are becoming increasingly common as people find it much more convenient transacting digitally and even use apps for things such as opening a bank account. In this instance, businesses may want a mobile capture of an ID to validate the ID and also require a biometric test such as Acuant’s FRMTM (Facial Recognition Match). Acuant FRM is as easy as taking a selfie and comparing it to extracted biometric data contained in the government issued ID.  Results are given in seconds by matching the face biometrics of a selfie to the face image on the ID and authenticating they match. In addition, Acuant FRM provides liveness detection to prevent fraudsters from using static images. This ensures that not only does the face match, but also there is indeed a live person in front of the camera. This provides two separate authentication factors and offers a higher level of assurance- that a person possesses a valid ID and that they match the photo on the ID. There may, however, be an instance where all you require is facial match for ongoing transactions such as a car sharing service app. In this instance you want to ensure the person driving the car is the one who signed up for the program by engaging Acuant FRM each time they use a vehicle. Both workflows are simple and speedy for customers.

Whether you are capturing an ID, engaging facial recognition match or both- you can be sure that Acuant provides the most user-friendly experience with the highest speed and accuracy. Acuant provides the utmost security for local, mobile and cloud services. No images or data is stored on devices, which means that customers do not have to worry about misuse of personal information with Acuant.

 

The Acuant Advantage

In addition to being a leading identity verification provider for over 20 years, Acuant possesses the largest ID document library in the industry recognizing ID’s from over 200 countries (including but not limited to passports, driver’s licenses, visas and military ID’s) which enables our unparalleled accuracy ratings. Our solutions are made for mobile and desktop environments, compatible with Windows, iOS, Android, Hybrid and HTML 5 and built to allow meeting the highest level security requirements and regulations such as KYC, PII, HIPAA and AML. Download our apps to see Acuant in action and test your selfie skills with Acuant FRM!

iOS App

Android App

HTML5

Acuant Announces Best-In-Class Data Capture and Multi-Factor Verification Solutions Addressing Rising Identity Fraud in the Digital Economy

idScan® Processes More than 3 Million Credential Based Transactions Monthly and is Part of New User-Friendly Products to Strengthen Real-Time Identity Verification

LOS ANGELES, Feb. 28, 2017 /PRNewswire/ — Acuant, a leading provider of data capture and identity verification software globally, announces significant enhancements to new and core technologies building upon the acquisition of AssureTec in May 2016. New products include mobile and desktop Acuant FRMTM facial recognition and match technology and DocXTM – a real time manual review of identity documents by accredited professionals.

Acuant’s core idScan® technology provides the fastest and most accurate capture software to streamline workflows by securely extracting data from government issued ID’s including but not limited to passports, driver’s licenses, visas and military IDs. With no image or data being stored, there is no concern about storing personal information on a device, allowing companies to securely manage data accordingly.

Processing more than 3 million transactions monthly, Acuant’s idScan offers a hassle-free experience allowing scanning of ID’s from any device without the need to hold cards in a certain position, light or angle. With fully automated cropping and a new auto-select size detection feature, time is saved and user errors prevented. Auto-focus and correction coupled with the highest image quality and accuracy in the industry make idScan the premier choice in intelligent data capture for desktop scanning, mobile, and cloud services- with updates to the cloud improving speed by 25%.

Incorporating idScan’s user-friendly technology, Acuant is at the forefront of identity proofing solutions that build trust between businesses and customers and built to conform to regulatory requirements (such as Know Your Customer KYC and Personally Identifiable Information PII).

“We are past the days when two factor authentication, such as entering a password and answering a knowledge based question, is sufficient. Businesses and consumers globally want more protection, but the friction involved with instituting more steps is also a concern,” states Acuant CEO Yossi Zekri. “Technology solutions must offer robust protection against the rise of sophisticated and prevalent identity fraud- however they must also be solutions that are easily adopted and even familiar, such as taking selfies for facial recognition.”

AssureID™, Acuant’s core ID authentication and identity verification product, provides various levels of verification beginning with identifying fake ID’s in a matter of seconds utilizing the industry’s largest ID document library. The addition of Acuant FRM – facial recognition and match technology – addresses not only the need for stronger biometric based security offerings, but also the fact that many workflows are increasingly mobile or web based and even sharing economy focused.

Acuant FRM is as easy as taking a selfie and comparing it to extracted biometric data contained in the government issued ID.  Results are given in seconds reducing fraud by matching the face biometrics of a selfie to the face image on the ID and authenticating they match. In addition, Acuant FRM provides liveness detection to prevent fraudsters from using static images. This ensures that not only does the face match, but there is indeed a live person in front of the camera.

Acuant’s facial recognition works with any mobile device and OS and allows for the option of using a local camera for desktop environments. AssureID’s additional security features include geo-location services so you know where the person is scanning an ID from to flag suspicious behavior, and the ability to check against established (or custom) watch lists such as Interpol and OFAC.

Further strengthening verification offerings, Acuant now offers a manual review product DocX. DocX mitigates fraud by employing a manual review of the document in question by a verified credential expert in real time to avoid customer inconvenience and transaction delays. The expert will evaluate anomalies that automated document authentication and facial review processes identify, including the review of damaged identity documents and poor image quality when applicable.

 

 

Biometrics Boom: Juniper Predicts 600M+ Mobile Devices will use Voice and Facial Recognition by 2021

 

Biometrics is one of the hottest security topics in 2017. Businesses are realizing they must supplement basic login credentials with much stronger authentication methods, such as fingerprint and facial recognition technologies. Juniper Research study, Mobile Biometrics: Consumer Markets, Opportunities & Forecasts 2016-2021, finds that biometric authentication is ready to move beyond fingerprints alone and use several different identifiers, including facial recognition and voiceprints.

The research notes that these methods will increase from being installed on an estimated 190 million mobile devices in 2016 to exceed 600 million devices by 2021. As biometric technology becomes more commonplace in the business environment and more accepted by consumers, industries can leverage it to ensure stronger identity security.

This will likely begin to transform security in a host of industries that are especially vulnerable to cyber-attacks. With the increase in popularity of mobile payments and mobile healthcare, the finance and healthcare industries in particular can benefit from using biometric technology to verify identities.

Here’s what to expect in 2017:

Consumers will Quickly Adopt Biometrics

When biometric technologies first rolled out, consumers were apprehensive and sometimes refused to use them.  However, this apprehension towards biometrics is being steadily broken down through consumerization. Technologies that were previously used only for official purposes are now available on the market for consumers to buy.

For example, in the US, the use and collection of fingerprints is often correlated with law enforcement, but Apple now allows users to unlock their devices through their fingerprints, which has helped break down the apprehension of using biometrics for everyday use. The use of selfies in general has allowed people to use photos in a variety of ways, and Facebook and Instagram have capitalized on that by using facial recognition. Biometric technologies that consumers once rejected have become the norm for many consumers, paving the way for much tighter security processes.

 

Companies will Seek to Build Stronger Authentication Continuums

As consumers embrace and adopt new technology, it’s beneficial for that technology to be more interconnected. Businesses are able to leverage this interconnected technology by using it throughout the enterprise or with their products. Utilizing biometric technology with their products, allows consumers to have a higher degree of customization and personalization. Further, an authentication continuum based on biometrics will result in a higher level of overall security, which is key for companies that prioritize robust security.

For example, just doing facial recognition by itself isn’t sufficient most of the time. Tying facial with identity, document authentication, other attributes and biometrics will build a stronger authentication continuum that will lead to a greater level of security.

With biometric technology continuously evolving and the increasing sophistication of hackers and identity thieves, the future of identity verification may more closely resemble science fiction than our current reality.