Your Bank Wants to Know: Is That an Actual Photo of You – or AI?
26 Julho 2023 - 9:00AM
Business Wire
Liveness detection, the future of online identity
protection
Whether you open an online bank account, sign up to be a
ride-share driver or apply for a loan, more often than not you will
be asked to submit a “selfie” photo along with your photo ID to
confirm you are who you say you are. But how does the company on
the other end of your application know that image is of you and not
an AI-generated image?
Enter “liveness detection,” an essential tool in the battle
against online identity fraud.
Identity theft was the #1 reported consumer complaint in 2022,
according to the Federal Trade Commission. Today, companies
typically use a combination of identity documents and biometrics to
ensure that a person really is who they claim to be and not a
fraudster trying to create a fake account or break into a victim’s
accounts.
Mitek’s market leading liveness detection leverages foundational
generative AI concepts to help prevent online criminals from using
copies of a face, voice or ID – whether facial images in printed
photos, digital images on screens or even deepfake videos – to
misrepresent themselves by confirming that a person and their
documents are live and present when an image is captured.
That’s a distinction that has become important as criminals
adopt the use of increasingly more sophisticated AI tools.
Mitek guide to understanding liveness detection aids
companies
To support companies considering incorporating liveness
detection into their security protocols, Mitek, a global leader in
digital identity and digital fraud prevention, has posted a guide
to understanding liveness detection, how it can thwart fraud and
help earn customers’ trust.
The guide describes how criminals are developing workarounds to
earlier forms of identity protection, describes the pros and cons
of different types of liveness detection – including the benefits
of passive liveness detection compared with active, which requires
a person to take specific actions, such as blink or move their
head. Of note, the guide includes research that indicates the
importance customers place on security when choosing an online
company with which to do business.
“Rapid advancements in AI are giving scammers new tools to
impersonate people, including politicians and a journalist who was
recently deepfaked. Unfortunately, we expect to see this trend
continue, unless companies employ the latest technology available
today,” said Alexey Khitrov, CEO and Co-Founder of ID R&D, a
Mitek company. “Fortunately, ID R&D is already ahead of
fraudsters with AI-powered innovations that protect people online,
including the latest in passive liveness.”
Mitek and ID R&D hold significant liveness detection patents
related to ID R&D’s IDLive Face, including for advanced
detection of recorded and synthetic voice to prevent voice spoofs
and deep fakes, and for a unique method that increases the speed
and accuracy of frictionless facial liveness detection. Eliminating
user friction significantly lowers user abandonment rates and
improves customer satisfaction.
The Mitek guide, Liveness detection: future of identity
verification, is available now.
About Mitek
Mitek (NASDAQ: MITK) is a global leader in digital access,
founded to bridge the physical and digital worlds. Mitek’s advanced
identity verification technologies and global platform make digital
access faster and more secure than ever, providing companies new
levels of control, deployment ease and operation, while protecting
the entire customer journey. Trusted by 99% of U.S. banks for
mobile check deposits and 7,500 of the world’s largest
organizations, Mitek helps companies reduce risk and meet
regulatory requirements. Learn more at www.miteksystems.com.
Follow Mitek on LinkedIn, Twitter and YouTube, and read Mitek’s
latest blog posts here.
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version on businesswire.com: https://www.businesswire.com/news/home/20230726805798/en/
Media Inquiries: Angela M. Romei, Mitek Senior Director
pr@miteksystems.com
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