The Many Benefits of Contactless Biometric Acquisition and Authentication Technologies in COVID-19 Era
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The Many Benefits of Contactless Biometric Acquisition and Authentication Technologies in COVID-19 Era

by Ofe Ivharue

Never was there a time when contactless technology was more important than now with the Coronavirus pandemic sweeping the world. Noting that the chief method of transmission of the virus is through contact with infected persons and surfaces, people are obligated to keep a measured distance from other people —  a behaviour termed ‘social distancing’—  and are even less keen to have anything to do with surfaces.

This new way of life has its many effects on industries and sectors all around the world, and most are negative. Businesses will need to restructure their activities and choice of technology to accommodate this new shift in behaviour and quickly find a way to combat safety concerns or struggle to survive during and post COVID-19 era.

This change is even more for businesses that acquire biometric data of their customers as a means of proof before availing them with certain services. These businesses must think beyond biometric data acquisition and authentication that requires physical contact with people or surfaces — Hence, way beyond fingerprint recognition which is the most common means of identity verification right now.

Even though one might argue that disinfecting the fingerprint recognition sensors may or may not get rid of the virus completely, one should also ask “how about the customers that are reluctant or sceptic about putting their fingers on a surface they deem virus-ridden no matter how many times it is wiped down? Are business owners or agents to turn them back? What then does that do to customer acquisition or the bottom line of the business?”

Thinking way beyond fingerprint will leave us with Facial and Iris Recognition.

Biometric technologies that provide facial and iris capture and verification services come into play to enable secure, touch-free data acquisition (digital identities) from the medically-advised distance and authentication to reduce the risk of impersonation or fraud. These technologies will serve to flatten the curve by preventing further infections and encourage business continuity.

The Many Benefits in Diverse Sectors

If the world were ever to be so ‘open’ again, businesses and even the government must jump aboard the idea of contactless biometric acquisition and authentication technology. Its usefulness spread across multiple sectors and industries.

For one, in the aviation sector, adopting a contactless facial and iris recognition system to authenticate digital identities of passengers, instead of having them place their hands on a scanner as they pass through the gates, will ensure the safety of aviation workers and passengers. These technologies could even go further for contactless visa onboarding and authentication at borders or immigration centres.

Telecommunications companies will need contactless biometric acquisition and authentication technologies to enable their agents to collect and validate biometric data of new subscribers during SIM registration processes or authenticate biometric data of current subscribers before providing them with certain services, all done while maintaining necessary distance.

Security companies can arm their guards with one of such technologies on a mobile device to serve as a digital logbook used to document people who enter or exit an estate or building.

The usefulness of these technologies goes far and beyond — from banks utilizing them to safely acquire customers in the field to schools authenticating students before they enter into exam halls to healthcare admin workers enrolling patients from a distance to government agencies enumerating staff in a secure way… the list goes on and on.

These technologies besides protecting against COVID-19 will hasten customer onboarding processes and improve turnaround times.

Enabling Features and Add-on Services

Viable contactless biometric acquisition and authentication technologies must take into consideration;

  • KYC compliance standards by various regulatory bodies
  • Failsafe verification and validation
  • Customer onboarding time
  • Data security
  • Ease of use and service.

Some enabling features will include:

ID Match

The inclusion of this feature will rule out impersonation as the faces of end-users can be compared with images on verified proofs of identity, like a driver’s licence, in real-time, to ascertain that the faces and the images match.

Liveliness Detection

With this feature in place, it becomes easy to prove the viability of every captured image and offer 100% assurance that every image is that of a living, animated person as opposed to a picture on picture capture.

Background Cleanup

In a bid to adhere to strict KYC regulations on captured images, this feature will prove necessary to ensure that all images captured conform to stipulated background-uniformity requirements. It also allows for the flexibility to capture images anywhere and still have them end up with a noiseless background.

OCR (Optical Character Recognition)

This feature goes beyond offering ease and speed of capture to end-users, to acting as a necessary requirement for this COVID-19 era where touchless is the order of the day as textual data can be extracted from physical forms and automatically populate corresponding digital fields.

Deduplication

Having duplicate data can taint the result and analysis of collated data, hence the need to ensure that each captured data is unique and has no duplicate. This enabling feature comes in handy to scan through databases and fish out duplicate data within configured capture rules.

 

SDKs and APIs

It becomes even easier to adopt these contactless biometric acquisition and authentication technologies as most of the verification services are packaged as Software Development Kits (SDKs) and Application Programming Interfaces (APIs) that can be integrated into already existing systems. With these, organizations will not be burdened to overhaul already existing processes and can continue using their solution with additional verification services and features that will allow the solution to perform various biometric authentication.


Are you interested in a solution to acquire and authenticate biometric identity data in a safe, touch-free environment? Or would you rather a verification and authentication SDK to integrate with your existing solution? We have exactly what you need!

Contact us today for more details at info@seamfix.com

 

Written by Ivharue Ofe (Content Writer and Marketing Communications Executive, Seamfix)

A Quest to Tackle Ghost Worker Syndrome in Oyo State

by admin

Seamfix partners with a foremost audit firm, Messers. Sally Tibbot Consulting Ltd, to tackle ghost worker syndrome in Oyo State.

 

Today, payroll fraud perpetrated by people who appear on a company’s payroll but don’t actually work for the company, infamously called “ghost workers”, continues to drain incredible sums of money from the Nigerian civil service.

Various methods like the BVN, Treasury Single Account (TSA) and the Integrated Payroll and Personnel Information System (IPPIS) have been employed to check the syndrome, out of which federal government agencies have recently rolled out related hair-raising figures, of ‘ghost workers’ identified or removed from payrolls of organisations.

 

 

To this effect, the Oyo State Governor, GOV. Seyi Makinde, made an announcement that his administration would begin the process of verifying workers that receive payment from the State. According to him, a verification exercise will be carried out to ensure that there is no fraud in the state civil service payroll system. 

This vision is to enable the state to save money and caters for the welfare of her workers and in general, people in the state. To help with this exercise, the Oyo state government has earmarked the BioRegistra solution to help verify, capture and store all her workers’ information. 

 

The exercise in partnership with Sally Tibbot Consulting is expected to last for 3 months, will see that all Civil workers mandatory visit the registration center to get their details, including their BVN,  captured unto the application.

 

The BioRegistra application, which has a mobile capture application, a Windows Desktop application, and an administrative back-end web portal, will allow the Oyo state capture agents to enrol the Civil workers’ information into the system; information like their Personal information, fingerprints, their portrait, and some supporting documents. The system will also verify their BVN information to eliminate payment frauds and will check for multiple registrations, thereby eliminating any form of “ghost workers”.

 

 

 

 

How Pension Fund Administrators Can Use BioRegistra for KYC Biometric Capture

by admin

There’s been a buzz around the Transfer Window policy by the National Pension Commission for pension fund administrators. Although there’s been a delay in the arrival of the transfer window, where pension contributors can transfer ownership of their pension funds from one pension administrator to the other, there’s a serious need for the PFAs to be prepared for when the time finally comes.

As part of the requirements, PFAs are required to carry out biometric capture of customer information. This means that every PFA needs a solution that can help facilitate this KYC operation.

Enter BioRegistra.

Digitizing The Client Familiarity Index

BioRegistra eases the process of Client Familiarity Index registration and better customer experience by allowing your customers update their details online.

See a sample Client Familiarity Index created using a BioRegistra form below.

 

Fields that can be created are similar to the ones that exist on the physical paper forms provided PenCom, including important client information like RSA PINs, the name of the PFA managing the client’s fund, the employee name, as well as designated individual employee codes.

 

Capture Contributor Details From Anywhere

There would be certainly no issues when it comes to capturing the information of your customers from anywhere in the country, whether as retired individuals or people still in service. Agents can be deployed to certain locations where the capture will be done.

 

 

What’s more? The platform lets you know the exact source of your data via a geolocation service embedded within. This means that from the head office of a Pension Fund Administrator, Admins/stakeholders can be in the full know of what’s going on in the capture field.

 

Instant CRM Synchronization

The details of the pension contributor captured synchronize immediately to the CRM that shows a view of what have been captured. Except in cases of internet malfunctions, this synchronization is always instant and allows agents to quickly attend to contributors during the capture process.

 

 

And Many More…

BioRegistra is robust and flexible, allowing PFAs to add as many fields and requirements to their KYC forms as much as possible. Additional details include evidence of the contributor’s legal existence, address of trustees, next of kin information, and so on.

So, you see, we’ve got you covered in preparation for when the Transfer Window arrives.

Did we strike a chord on something your organization needs regarding KYC biometric capture? Visit bioregistra.com for more information.

FMCG’s Product Survey Challenge- Any Solutions?

by admin

Fast Moving Consumer Goods (FMCG) are generally considered by economists as an integral part of the story for Africa’s fast rising socio-economically. The FMCG is also arguably one the largest industries globally, thriving on meeting consumers constantly changing needs. Thus, product surveys are constantly done,  studying the market for Customer Knowledge/preference, to enable targeted manufacture and distribution of goods. Achieving this customer knowledge involves doing Below-the-line marketing, surveys, questionnaires, etc.

The Challenge of the market is the limited platforms available today are expensive and not easily configurable to meet the exact needs of each of these FMCGs. Thus they engage more in below-the-line-marketing. One of the major characteristics of below-the-line marketing is the engagement of customers on a one to one basis and the engagement with people in rural areas. These FMCGs always end up with systems which must be connected to the internet to use, thereby making it difficult for them to connect with those in the rural areas.

Furthermore, some of these FMCGs will prefer to migrate these data after capture to their 3rd party analytic systems for further analysis but cannot; as what is available wouldn’t permit data transfer and retrieval using APIs.

 

Solutions have seemed utopian until BioRegistra. BioRegistra is the Solution of Product Survey data collection. BioRegistra is a textual data capture system, that can be used online and offline, and allows data retrieval with its set of API.

What this means is that users can configure textual information, publish a link for users to fill out the form or do the data survey capture themselves using the windows and android capture apps. The owners of such published projects can then run a report of these captured records and view analytics from the portal. This enables them to make informed decisions easily.

Users are also able to capture data even in remote/rural areas where there are no network connections. This data comfortably sits on the device and gets synced to the backend whenever the user has a network. Data captured can then be easily integrated to other systems for further use, or reports generated and exported in multiple formats.

Questions on how this can work for your specific industry are welcome as comments. Also see more or contact us on BioRegistra.com

How ISP Companies Can Use BioRegistra to Register and Verify Her Subscribers

by admin

Introduction

An Internet Service Provider involved in providing internet service to individuals, with location nationwide.

 

Challenge

As a regulatory requirement, Know-Your-Customer (KYC) requirements had to be done for her customers before Internet source is supplied to them. This is to ensure they don’t fall foul of NCC regulation which requires that valid subscriber details are captured.

The challenge was the availability of a system that could easily help them configure what they needed to capture based on the KYC requirements, and also be sure that any detail captured by their field agents are valid and pass the NCC specifications.

There was also the need to ensure that these captured data could be retrieved in a format accepted by NCC  and could also be integrated to their CRM for their subsequent Customer follow up and marketing activities easily.

 

Solution

BioRegistra’s core value is its ability to allow users dynamically configure forms that can then be used to register people and data generally. The ISP was set up and with its Registration feature, was used to capture her customers during sales.

BioRegistra also does a validation on biometric information real time; it validates that the portrait capture is a real face with both eyes open, no cap covering the face, etc, and also checks that the fingerprint quality is high. With this assurance, the ISP was able to send her field agents to capture subscribers when making sales, with the assurance that every captured record will be accepted by NCC.

With the set of APIs offered by BioRegistra, she was also able to conveniently and instantly retrieve the captured data to be used in other third party CRM systems and was also able to receive theses captured data in XML format, a format ready to be sent to the Communication regulatory body.

How Security Services Companies can Leverage on BioRegistra

by admin

Introduction

Security Services Companies offer different security services, one of which is recruiting and outsourcing security operatives to Individuals and Corporates. As part of its processes, they recruit staff, train and send them to other companies, and from time to time need to verify that personnel seen on site are actually recruited by them and not impersonators and that they attend work daily.

 

Challenge

Here lies the challenge; recruiting these staff means their data needs to be captured and printed for ID card issuance. Also, identifying these operatives after they have been deployed can prove difficult as impersonators can easily assume the identity of an operative – the sites just assume the Security service company has replaced or added a new operative. Furthermore, it becomes a problem for these operatives to be tracked. At the end of the month, the Security service company is expected to submit a report of their operatives’ attendance. With sites scattered all over the country, it’s nearly impossible to always do physical checks and is inconsistent and inefficient too.

 

Solution

The simple solution to this is BioRegistra. BioRegistra’s registration, identification, time and attendance functionalities enable it to solve these problems easily.

With BioRegistra, Security service companies can create registration projects that can be used to capture all her operatives using the Android or Windows desktop capture apps. These data can then be retrieved using API to be printed on an ID card printer. The system also ensures that the quality of the captured portrait is checked real time to ensure it meets ID card standard.

Subsequently, users will be required to clock in and out of work every day using either their fingerprint, their live selfie or a unique ID assigned to them after they have been captured, this can then be run at the end of a month to get the report of their attendance from the BioRegistra portal regardless of their location.