Mitek Systems took advantage of the rise of smartphones by enabling remote deposit capture and identity verification on mobile devices. But that created a gap with laptops and desktop machines that Mitek is trying to address with an extra integration.
The San Diego-based company is enabling desktop users to seamlessly integrate their smartphone into the process of verifying their identity or supplying additional documents. Mitek also introduced a new device-based layer to its basic ID-verification service to further enhance security of mobile ID verification.
“Most people do most of their browsing with a mobile device, but a good number of consumers use a desktop or laptop when they’re opening accounts or making payments and banks and retailers needed an omnichannel approach for identity verification,” said Sarah Clark, general manager of identity for Mitek.
With Mitek’s enhancement to Mobile Verify, consumers in the middle of an action requiring ID verification can click a button and receive a link on their smartphone to temporarily hand off the transaction from a browser to a mobile device. The consumer uses their smartphone to snap a photo of the front and back of a driver’s license or passport, and clicks a prompt on the phone to instantly transfer the photo and associated data back to the desktop browser.
Mitek’s identity verification service instantly ensures that the documents are authentic by scanning visible holograms and invisible, embedded authentication features. “The process runs a series of algorithms that leave no doubt the documents are authentic,” she said.
With its upgrade to Mobile Verify, Mitek also added a new device cross-check feature which ensures that customers using a mobile phone number to verify their identity are indeed associated with that wireless account. The service instantly checked to make sure the person listed on the driver’s license is the same person listed as the owner of the mobile phone, which helps fight fraud.
“With the ongoing threat of account takeover and other types of fraud requiring higher levels of identity verification, financial institutions and retailers are relying on multiple layers of security to guard against fraud,” Clark added.