AutoIdent.

Summary

AutoIdent is an automated identity verification process that combines document analysis and biometric verification to identify persons remotely through AI-powered technology and optional expert review.

Service Description

IDnow Automated Identification Process (“process“) identifies persons (“user(s)“) on behalf of the Customer and/or its End-Customers through automated document analysis and biometric verification. Users can access the IDnow identification service through mobile terminals or computers provided they can connect to the internet and capture images of their identity documents and themselves.

The product is module-based and configurable, allowing Customers to adapt it according to their specific use case and regulatory compliance requirements in accordance with the regulatory framework applicable to them. For instance, Money Laundering Act (Geldwäschegesetz – GwG), eIDAS Regulation (EU) No 910/2014 on electronic identification and trust services, and relevant national transposition laws. To understand its potential limitations, customers must refer to the specific technical documentation of the product.

Key Capabilities

Product Configuration: Customers may configure the product in the following manner:

Document analysis modules

• Basic Document Analysis (base): an automated solution that recognizes the document(s) submitted, analyzes and classifies it. It contains:
  • Document model identification
  • Expiration and validity check
  • MRZ checksum validation
  • Age verification (configurable)
• Advanced Document Analysis: an advanced optional module in addition to the basic module as an optional increment. It contains:
  • Data consistency cross-checks – Machine Readable Zone (MRZ)/ Visual Inspection Zone (VIZ)/Electronic Machine-Readable Travel Document (eMRTD) (optional)
  • Detection of documents captured from screens (optional)
  • Advanced Certificate Revocation List (CRL) checking and fraud risk signals (optional)
• Data Extraction from Paper-based Documents (optional)
• Advanced Authenticity Checks 
  • Dynamic security feature detection – tilt/hologram analysis (optional)
  • Additional country specific checks on certain data fields (optional)
• eMRTD chip checks – passive/active/clone authentication (optional)

Biometric Verification modules

• Biometric Selfie – Facial recognition & User ID Matching (optional)
• Video Liveness Detection (optional)

Quality Management

• Conditional expert review (base) – triggered based on risk indicators
• Mandatory expert review – manual verification of all cases (optional)
• Standard quality checks and spot checks
• Quality assurance by trained Specialist Agents
• Deviations communicated to Customer

Standard Data Retention and Deletion

• Standard data retention: data and recordings made available to Customer and unless otherwise agreed in writing; deleted from production system within 60 days and from backup within 30 days
• Extended data retention (optional): retention for one calendar year with automatic renewal unless terminated; data export provided upon termination

Optional Modules 

• Proof-of-Address – Additional document verification for address confirmation
• Expert-Assisted Name Comparison – Manual review for name matching
• IDnow eSign (contract-signing) – remote electronic signature process in accordance with eIDAS regulation supporting  SES (Simple Electronic Signatures), AES (Advanced Electronic Signatures) or QES (Qualified Electronic Signatures)
• Bank Transfer module (penny transfer) – Account ownership verification for GwG compliance

Certified Configurations & QES specifics

• AutoIdent AML with QES: Certified configuration approved by an EU Member State regulator for issuing QES in accordance with eIDAS regulation. It requires specific module composition: Basic Document Analysis, Advanced Document Analysis, Dynamic Authenticity Checks, eMRTD Chip Authenticity Checks, Biometric Selfie, Video Liveness, Conditional Expert Review, and QES capability.
• AutoIdent AML UX with QES: Certified AML compliant variant with reduced user interaction requirements, replacing certain automated checks with Mandatory Expert Review; approved for QES issuance using a Trust Service Provider (TSP).

Service Hours 

• General service hours: 00:00–24:00 CET after integration
• Manual verifications and expert reviews: 08:00–24:00 CET
• Night service hours: 00:00–07:59 CET (subject to availability, optional module)

Compliance summary

 The certified AutoIdent configurations have been approved by EU Member State regulators for QES issuance. Additionally, AutoIdent supports compliance with the German Money Laundering Act (Geldwäschegesetz – GwG) when configured with appropriate modules including bank transfer verification and qualified electronic signature workflows. Therefore, AutoIdent offers recommended certified module compositions, where customers must select appropriate modules and configurations in the Order Agreement to meet specific jurisdictional requirements and fulfil evidence-storage obligations where applicable, particularly for QES issuance.