AutoIdent 1

AutoIdent.

Summary

AutoIdent is an automated identity verification process that combines document analysis and biometric verification to identify persons remotely through AI-powered technology and optional expert review.

Service Description

IDnow Automated Identification Process (“process“) identifies persons (“user(s)“) on behalf of the Customer and/or its End-Customers through automated document analysis and biometric verification. Users can access the IDnow identification service through mobile terminals or computers provided they can connect to the internet and capture images of their identity documents and themselves.

The product is module-based and configurable, allowing Customers to adapt it according to their specific use case and regulatory compliance requirements in accordance with the regulatory framework applicable to them. For instance, Money Laundering Act (Geldwäschegesetz – GwG), eIDAS Regulation (EU) No 910/2014 on electronic identification and trust services, and relevant national transposition laws. To understand its potential limitations, customers must refer to the specific technical documentation of the product.

Key Capabilities

Product Configuration: Customers may configure the product in the following manner:

Document analysis modules

  • Basic Document Analysis (Core module – always enabled): An automated solution that recognizes the document(s) submitted, analyzes and classifies it. It contains:
    • Document model identification
    • Expiration and validity check
    • MRZ checksum validation
    • Age verification (optional)
  • Advanced Document Analysis: An advanced module that can be enabled in addition to the basic module as an option. It contains:
    • Data consistency cross-checks – Machine Readable Zone (MRZ) / Visual Inspection Zone (VIZ)
    • Electronic Machine-Readable Travel Document (eMRTD) chip data readout and validation
    • Detection of documents captured from screens (optional)

Optional add-ons & modules

  • Biometric Verification
    • Biometric selfie – User Face Matching (optional)
    • Video liveness (optional)
  • Document Fraud Checks
    • Security features detection – verification of holograms and optical variable devices (OVDs) on the document via a recorded camera feed as the user tilts the document
    • Additional country-specific checks on certain data fields (optional)
  • eMRTD Chip Authenticity Check (optional): Reads out document chip data via NFC for all ICAO 9303 compliant travel documents. Ensures the chip has not been cloned or forged. It includes:
    • Chip certificate validation
    • Clone detection
  • Add-on for eMRTD Chip Authenticity Check – CRL – Maintenance (optional): Ongoing maintenance fee for the Certificate Revocation List service used in conjunction with the eMRTD Chip Authenticity Check module, ensuring up-to-date revocation data for chip validation.
  • Add-on for eMRTD Chip Authenticity Check – CRL – Transaction (optional): Per-transaction fee applied when the CRL service is invoked as part of the eMRTD Chip Authenticity Check, covering the cost of real-time certificate revocation verification.
  • Data Extraction from Paper-based Documents (optional): Broadens the range of documents that can be analyzed by supporting paper-based documents submitted by users for analysis. Supported document types include residence permits, paper-based driving licenses, supplementary ID documents, and other paper-based identity documents as defined in the applicable documentation.
  • Standard or Mandatory Expert Review (optional): Human quality assurance performed by trained IDnow Specialist Agents.
    • Conditional Expert Review (base): Triggered automatically based on risk indicators identified during the automated process.
    • Mandatory Expert Review (optional): Manual verification applied to all identification cases, regardless of automated outcome.
  • Manual Name Comparison (optional): Manual review by a trained Specialist Agent to verify and match name data where automated comparison is inconclusive or where regulatory requirements mandate human oversight.
  • Proof of Address (optional): Manual review and validation of the address by a trained Specialist Agent. The user captures or uploads a valid proof-of-address document during the identification process, which is then analyzed and validated as part of the review process.
  • Add-on for SLA Booster (optional): An enhanced service level agreement guaranteeing that 80% of manual review cases are completed within 5 minutes. Applicable to cases requiring Expert Review during standard service hours (08:00–24:00 CET).

AutoIdent QES (optional module)

Enables the issuance of a Qualified Electronic Signature (QES) in accordance with eIDAS Regulation (EU) No 910/2014. Following successful identity verification, a QES is issued via a Trust Service Provider (TSP) to confirm the user’s identity.

AutoIdent QES Add-on: SLA Booster (optional)

An enhanced service level agreement for QES-enabled identification flows, guaranteeing faster processing of manual review cases within the QES workflow.

AutoIdent: QES: Contract Archiving (optional)

Secure storage and archiving of signed contracts following QES issuance, ensuring long-term availability of signed documents for audit and compliance purposes.

QES: Contract Archiving Overage (optional)

Additional fee applied when the volume of archived contracts exceeds the contractually agreed storage limit.

AutoIdent AMLR

Certified configuration approved by an EU Member State regulator for issuing QES in accordance with eIDAS regulation. It requires specific module composition: Basic Document Analysis, Advanced Document Analysis, Advanced Authenticity Checks, eMRTD Chip Authenticity Checks, Biometric Selfie, Video Liveness, Conditional Expert Review, and QES capability.

AutoIdent AML UX with QES

Certified AML compliant variant with reduced user interaction requirements, replacing certain automated checks with Mandatory Expert Review; approved for QES issuance using a Trust Service Provider (TSP).

AutoIdent TKG

Certified configuration for the German telecommunications sector under the Telekommunikationsgesetz (TKG) regulation. It requires a specific module composition: Basic Document Analysis, Advanced Document Analysis, Advanced Authenticity Checks, Biometric Selfie, Video Liveness, and sampling-based Manual Review.

Quality Management

  • Standard quality checks and spot checks
  • Quality assurance by trained Specialist Agents
  • Deviations and mismatches communicated to Customer in the result

Standard Data Retention and Deletion

  • Standard data retention: data and recordings made available to Customer and unless otherwise agreed in writing; deleted from production system within 60 days
  • Extended data retention (optional): retention for one calendar year with automatic renewal unless terminated; data export provided upon termination

Certified Configurations & QES specifics

  • AutoIdent TKG: Certified configuration for the German telecommunications sector under the Telekommunikationsgesetz (TKG) regulation. It requires a specific module composition: Basic Document Analysis, Advanced Document Analysis, Advanced Authenticity Checks with NFC Light, Biometric Selfie, Video Liveness, and sampling-based Manual Review.
  • AutoIdent AML with QES: Certified configuration approved by an EU Member State regulator for issuing QES in accordance with eIDAS regulation. It requires specific module composition: Basic Document Analysis, Advanced Document Analysis, Dynamic Authenticity Checks, eMRTD Chip Authenticity Checks, Biometric Selfie, Video Liveness, Conditional Expert Review, and QES capability.
  • AutoIdent AML UX with QES: Certified AML compliant variant with reduced user interaction requirements, replacing certain automated checks with Mandatory Expert Review; approved for QES issuance using a Trust Service Provider (TSP).

Service Hours 

  • General service hours: 00:00–24:00 CET after integration
  • Manual verifications and expert reviews: 08:00–24:00 CET
  • Night service hours: 00:00–07:59 CET (subject to availability, optional module)

Compliance summary

The certified AutoIdent configurations have been approved by EU Member State regulators for QES issuance. Additionally, AutoIdent supports compliance with the German Money Laundering Act (Geldwäschegesetz – GwG) when configured with appropriate modules including bank transfer verification and qualified electronic signature workflows. Therefore, AutoIdent offers recommended certified module compositions, where customers must select appropriate modules and configurations in the Order Agreement to meet specific jurisdictional requirements and fulfil evidence-storage obligations where applicable, particularly for QES issuance.

AutoIdent 2

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