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KYC Process

KYC and AI

ARGOS KYC process is consisted of two main processes, verifying ID and compare face. During the process, 3 AI supports ARGOS KYC to complete automation process and to prevent ID theft.
1st: Verifying ID Imgae with ID Analyze AI
KYC process starts with taking image of the ID to verify, then analyzing AI will inspect the image. At this point, the AI recognizes whether it's an image of ID card and extract data from it. It returns data such as the type of ID, information component and most of all, transforms image data into text. While these procedures, when an ID is submitted which the AI has not learned yet or unexpected error occured, we allow human intervention. ARGOS is with KYC experts for 24 hours!
2nd: Face Check with Two AI
For the next step, ARGOS process face verification to make it clear that the ID is not stolen, the holder itself is providing their own data.
When user takes their selfie the 'Face-Comper AI' will start to work. It compares the two face, one from the ID and one from the selfie, then judges if it matches. At the same time, the 'Liveness AI' will scan the image to evaluate if it's faked from video or picture.
As explained above, 3 kinds of AI judges the result of KYC. When all 3 passes, it will be approved. When the result of ID analyzing is insufficient, we inspect it manually. If any of face comparison or liveness detection fails, KYC will be rejected.

Process by Submission Type

ARGOS KYC process differs depending on the submission method. There are Liveform- the ARGOS made form and API which clients are able to build their own UI. The difference is as below.

Liveform

KYC is approved by taking pictures of submitters in real-time through ARGOS KYC web page.
  1. 1.
    The submitter accesses the Liveform link from the mobile device.
  2. 2.
    QR code will be generated when the submitter accesses the link from a PC. Liveform web page will be connected by taking a QR code with a mobile device such as a smartphone.
  3. 3.
    Take a clear picture of ID card.
  4. 4.
    Confirms the OCR-extracted data.
  5. 5.
    Take a clear selfie.
  6. 6.
    If an error occurs, such as no face or multiple faces being photographed, a process of "retrying" is added.
  7. 7.
    If the ID information matches and the same person is confirmed through liveness and face recognition, KYC will be approved.

API

Our client directly collects the submitter's ID card and selfie photos, delivers the data to ARGOS through the API, and creates a submission.
  1. 1.
    When the customer delivers the ID image to ARGOS, the identity information is extracted through OCR.
  2. 2.
    When the customer delivers the face image to ARGOS, it checks if the face matches.
  3. 3.
    If the ID information matches and the same person is confirmed through liveness and face recognition, KYC will be approved.
ID Image Example
Selfie Image Example