The State of Third-Party Insurance Verification – Research Report
May 21, 2019
Artificial Intelligence (AI) has become a central component for innovating in a large number of applications. As computing power becomes cheaper and more easily available, we are witnessing a proliferation of Machine Learning (ML) use that has not been possible in the past.
One application where ML is particularly useful is Remote Identity Verification, especially when it is combined with Computer Vision (CV) to solve problems like object identification, facial recognition, security feature detection and Optical Character Recognition (OCR).
Before we dive into some of the specifics around how ML works in conjunction with CV for ID verification, it is important to understand why those are needed. ML is a compute-intensive approach that is needed for more nuanced issues, but there are several problems that are straightforward and do not require ML. One could even argue that the current state of identity document issuance and adoption, especially in the United States, dictates the need for an ML-based approach. However, with an increase in sophistication in ID documents, verification could be solved using cryptography in a simpler and more scalable manner.
For quite some time we have seen documents with embedded electronic chips capable of performing cryptographic operations that can be used to verify authenticity. When used, they give the documents the following properties:
At the time of this post, the only practical form of identification that meets all of the above requirements is the e-Passport. A good example of using these properties above are the self-service passport verification solutions deployed at airports. However, in order to leverage the same benefits in a mobile application for instance, the following hurdles have to be overcome:
In the future, it’s not unreasonable to expect that Apple will eventually open its Near Field Communication (NFC) interfaces. It is also likely that some states will incorporate electronic chips into their issued IDs, effectively overcoming the hurdles above. However, that does not change the fact that businesses that need to deploy ID verification today will, in most cases, need a different solution.
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