Sometimes we can review an ID and a number of things about the ID set off alarm bells.
Other times, it is obvious that the ID is a fake or altered ID and we can treat it as such.
Most often we find that the ID is suspicious but we cannot say with any certainty that it is faked or altered. In these cases, we may want to ask for another copy of the ID so we can be sure.
When reviewing an ID we need to check the ID OneNote for tips and tricks and also samples of good ID copies.
It is also important to read this article when first starting out.
Checking the information on the ID
When you are reviewing the ID you have to check the following information and make sure it matches the information in the application.
- Date of birth (DOB)
- Expiry date (if on the ID)
- ID or document number
- MRZ (if on the ID)
- Photograph (although we cannot match this to the application, we do have to make sure there is one and that it matches the person in the selfie)
- Nationality (if listed on the ID)
Middle name appears or does not appear on the ID
If a middle name appears on the ID, this needs to be added to the application.
If the user added a middle name that does not appear on the ID, or if only an initial appears on the ID, we need to remove it from the application and create a ledger log mentioning that the name was provided.This way we have a record that the name was provided at some point.
- Remove the middle name from the name field. Or if only an initial appears on the ID we replace the middle name with the initial.
- Create a ledger log 'user provided middle name [insert middle name]'
Checking the authenticity of the ID
Certain factors on an ID can prove its authenticity.
- Watermarks and Holograms
- Many IDs have holograms or watermarks that are security features that prove the ID is real.
- The font needs to be consistent throughout the document and has to match the font on the sample IDs in our database or on document checker.
- IDs must be in color but the color must be correct to prove the ID is not faked
- Many IDs have microprinting on the ID to prove authenticity.
- We need to see the ID is actually a physical ID and not a printout.
- IDs, unless very recently issued, should have a degree of wear and tear. People put them in their wallets or pull them in and out of cases. This creates a certain degree of wear on the ID.
- If the ID was issued a long time ago but there is no wear and tear (in other words if it is in pristine condition) this is somewhat suspicious.
- When a user takes a photograph of an ID, it is expected that there will be shadows in the image. it is important that these shadows are in the expected places.
- When parts of the ID have been altered there will be a mismatch between the information on the ID and the information coded in the MRZ
Reviewing the MRZ
Some IDs, especially European IDs, have MRZs on the front or backside.
When you review an ID you have to match the information within the passport to the information in the MRZ. All this information has to match the information in the application.
To understand how to read the MRZ, please read the following article.