The Facial Comparison check confirms that the person presenting the identity document is the rightful owner of that document, and also that they are a live and responsive individual.
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The Facial Comparison results will be visible on the Transaction Details page if your organisation's capture process includes one or more facial biometric options.
Comparison with ID check
If an ID document supplied contains a photo (such as passport or drivers license) then our system will compare its photo with the Centre facing biometric image. The percentage value displayed below the Centre facing image is the confidence level for a match with the ID photo. This value should be higher than 70% to pass.
If the check does not pass it will be flagged as a possible impersonation and display as shown here:
Liveness check
The remaining biometric images are also compared with the Centre facing image. The percentage value displayed below each of them is the confidence level for a match with the Centre facing image. The example below shows a 100% match for all images compared to the Centre facing image. Note that the check has been flagged with a red cross as the comparison with the ID was not successful.
To help you assess the biometric photos, you can hover over each image and see the biometric markers. The image border will display as green when there is a high confidence level, and orange if there is a low confidence level. Click on any image to see a larger version.
When the Facial Comparison check is not passed
The most common reasons why the facial imagery may not match include:
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Wearing glasses or other headwear
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Poor lighting and/or;
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Outdated photo on their ID
To review a Facial Comparison check that has a failed or undetermined result, you should:
- Make sure to carefully read the error message and investigate why the transaction was flagged for review.
- Look carefully at each frame. Clicking on the images makes the image bigger, which can help spot issues.
- Consider if any image looks like it could be a fake. For example, if it looks like it’s an image on a screen or a photo (any signs of glare or odd distortions in the image), it looks like a doctored image, the background doesn’t look real, and the lighting or background is inconsistent between images.
- You can use your best judgment to decide if you think the images of the person look like an inadvertent mistake (for example, sometimes people have poor eyesight and may have their phone close to their face).
- If the pose they’re being asked to do looks like it should pass, then it’s probably safe to pass.
If a Facial Comparison check has not passed and you are unsure how to proceed, remember to consider the results of the other checks as well. See When is it OK to force match a transaction? for more guidance.