Trust Evaluation

The IDV Toolkit provides results to evaluate trust that can be given to a remote identity verification.

When the system submitted both ID document photo and selfie photo to Digital Identity Service, it can perform the inspect functions. These return various values that can be used in “"Trust factors"”.

Based on these Trust factors, the solution using the IDV Toolkit can automatically decide if the person’s identity can be trusted or not, or if there is a human inspection and decision needed. Ideally, all decisions should be automatic. However, at the beginning of a project it is better to analyze more edge cases manually to narrow down thresholds and then reduce need for manual input.

Trust Factor	API Endpoint	Return Value	Description	Recommended Effect on the Overall Trust
Face match	`customers/inspect`	`selfieInspection .similarityWith .documentPortrait`	Similarity score between selfie and portrait on the document	Reject if false
Passive liveness	`liveness/evaluation`	`score`	Passive liveness of the provided selfie	Reject if below threshold
Active liveness: Smile or Eye-gaze	`liveness/evaluation`	`score`	Chosen Active liveness for the provided photos	Reject if false
Age consistency	`customers/inspect`	`ageDifferenceWith .dateOfBirth`	Difference between age estimated for selfie and date of birth	Mark for review or reject according to difference
Document expired	`document/inspect`	`expired`	Notes that document is expired	Reject if true
Valid MRZ checksum	`document/inspect`	`mrzInspection .valid`	If document contains MRZ, notes that MRZ field might be modified	Mark for review if false
Text consistency	`document/inspect`	`textConsistency .consistent`	Cross-checks the fields in visual zone with its representation in MRZ or other sources	Mark for review if false
Screen attack detection	`document/inspect`	`pageTampering .additionalProp1 .looksLikeScreenshot`	Checks if the photo is not taken from a screen	Reject if true