This service is based on biometric face recognition technology – Microsoft Face API, which is performed in an anonymized form.
To perform the check, this service requires identification data (TIN, full name, date of birth) and the photo of the person.
The check is performed by making a comparison and determining the degree of similarity of the provided photo, with:
- the reference photo from the UBCH’s database of subjects of credit histories, according to the specified data,
- all the photos from the fraudster database,
- all the photos from the UBCH’s database of application photos (persons who applied for credits to the partners of the Bureau, without a reference photo for verification),
- all the photos from the open database of missing and wanted people of the Ministry of Internal Affairs.
Experiments using training sets, showed that:
- When comparing with the reference face photo (one-to-one), the sufficient similarity degree is 32%.
- When comparing with a set of face photos, from each of the databases (one-to-one), the sufficient similarity degree is 70%.
Therefore, the conclusion about successful photo verification is made, if:
- the degree of similarity with a person’s reference photo exceeds 32%,
no matches with the similarity degree exceeding 70% were found in the fraudster database and the database of missing and wanted people, - no matches with the similarity degree exceeding 70% were found in the database of application photos, with the identification different from the specified one.
