SaFi Bank Space : FS: eKYC AAI

[ Id Card Snapshot - OCR Lite Features ] [ List of Features ] [ OCR Lite Response Details - AAI Docs ] [ Card Type Examples ] [ Facial Verification Features ] [ List of Features ] [ Liveness Detection Response Details - AAI Docs ] [ Face Comparison Response Details - AAI Docs ]

`featurestore_id`	`entity_type_id`	source	`entity_id`
`ekyc_fs`	`ocr_lite_features`	Kafka Topic - Pub/Sub	`customerid`
	`facial_verification_features`	Kafka Topic - Pub/Sub	`customerid`
	`face_comparison_features`

Regarding the eKYC component, the necessary data are now retrieved from 2 separate Kafka topics:

IdCardSnapshotAvro - ocr_lite_features
- This is based on the OCR Lite API of Advance AI
FacialVerificationSnapshotAvro - facial_verification_features
- This is based on the Liveness Detection, and Face Comparison API of Advance AI

While the information comes from 2 different Kafka topics, they will be processed together in the same FeatureStore, but stored in their respective separate entity types. Reason being, both topics relate to eKYC in general and it makes semantic sense to store them together for business purposes.

Other relevant pages:

Id Card Snapshot - OCR Lite Features

ocr_lite_features

Example of message structure from Kafka Topic:

{
    "id": "47e824a6-93e9-45df-b489-e1d03917385b",
    "customerId": "f101b81e-218d-4cdf-a3c1-b9c4374fbd55",
    "cardType": "PASSPORT",
    "aaiImageFrontSideId": "13350a99-a0f4-4506-b5aa-34e800774ecc",
    "aaiImageBackSideId": null,
    "frontSidePictureDocumentId": "9a68683f-8231-4237-b36b-13c86bff608d",
    "backSidePictureDocumentId": null,
    "idNumber": "P0000000A",
    "idExpiryDate": "2021-06-26",
    "ocrResult": "{\"front\":{\"idNumber\":\"P0000000A\",\"lastName\":\"DELA CRUZ\",\"firstName\":\"MARIA\",\"middleName\":\"SANTOS\",\"birthday\":\"1980/03/16\",\"expiryDate\":\"2021/06/26\",\"issueDate\":\"27 T0N 2018\",\"placeOfBirth\":\"MANILA\",\"issuerAuthority\":\"DFA MANILA\",\"gender\":\"F\",\"nationality\":\"FILIPINO\",\"countryCode\":\"PHL\",\"passportType\":\"P\"}}",
    "ocrError": null,
    "forgeryResult": null,
    "forgeryError": null,
    "createdAt": "2022-08-24 03:36:08.234000+00:00",
    "updatedAt": "2022-08-24 03:36:13.002000+00:00"
}

List of Features

For now, all the response results will be ingested as features.

Response Result	Description (Equivalent field on ID card)	`feature_id_prefix`	`feature_id`	Atomic	Type
customerId		`ekyc`	`customerid` - entity_id	YES - entity_id	STRING
cardType		`ekyc`	`cardtype`		STRING
idExpiryDate		`ekyc`	`idexpirydate`		STRING
ocrError		`ekyc`	`ocrerror`		STRING
forgeryResult		`ekyc`	`forgeryresult`		STRING
forgeryError		`ekyc`	`forgeryerror`		STRING
Features below are derived from “ocrResult” field of the response This are fields derived from AAI’s OCR Lite API response The data is a JSON serialized as a string in the Kafka message - Parse the JSON to extract the features below
address	address	`ekyc`	`address`		STRING
agencyCode	Agency Code	`ekyc`	`agencycode`		STRING
birthday	Date of Birth Birth Date	`ekyc`	`birthday`		STRING
birthPlace	Place of Birth	`ekyc`	`birthplace`		STRING
bloodType	Blood Type	`ekyc`	`bloodtype`		STRING
chairman	Chairman	`ekyc`	`chairman`		STRING
civilStatus	Civil Status	`ekyc`	`civilstatus`		STRING
conditions	Conditions	`ekyc`	`conditions`		STRING
countryCode	Country Code	`ekyc`	`countrycode`
documentNumber	Document Number	`ekyc`	`documentnumber`
expiryDate	Expiration Date Valid Until	`ekyc`	`expirydate`
eyeColor	Eye Color	`ekyc`	`eyecolor`
firstName	First Name Given Name	`ekyc`	`firstname`
fullAddress	Address	`ekyc`	`fulladdress`
fullName	Name First Name, Middle Name, Surname Full Name	`ekyc`	`fullname`
gender	Sex	`ekyc`	`gender`
givenName	Given Name	`ekyc`	`givenname`
height	Height	`ekyc`	`height`
idNumber	ID Number License No. Passport No. Registration No. VIN TIN PRN MID No.	`ekyc`	`idnumber`
issueDate	Issue Date Date of Issue Registration Date TIN Issuance Date	`ekyc`	`issuedate`
issuerAuthority	Issuer Authority Issuing Post Office	`ekyc`	`issuerauthority`
issuingAuthority	Issuing Authority	`ekyc`	`issuingauthority`
lastName	Last Name	`ekyc`	`lastname`
middleName	Middle Name Middle Initial/Name	`ekyc`	`middlename`
name	Name	`ekyc`	`name`
nationality	Nationality Citizenship	`ekyc`	`nationality`
occupation	Occupation	`ekyc`	`occupation`
postMaster	Postmaster General & CEO	`ekyc`	`postmaster`
precinctNo	Precinct No.	`ekyc`	`precinctno`
restrictions	Restrictions	`ekyc`	`restrictions`
surname	Surname	`ekyc`	`surname`
type	Type	`ekyc`	`type`
weight	Weight	`ekyc`	`weight`

OCR Lite Response Details - AAI Docs

OCR Lite responses varies depending on the type of card. Current valid card types are:

OCR-Lite AAI API Docs

UMID Old/New Version
SSS
TIN
Passport
Driving/License

Card Type Examples

UMID Old/New Version

{
  "code":"SUCCESS",
  "message":"OK",
  "data":{
        "imageId":"OCR_LITE_UMID-77da92bbb624c805_20220118173025354_0595496463.jpg",
        "result":{
              "idNumber":"0000-4444444-4",
              "surname":"MMMMMMMM",
              "middleName":"EEEEEEEE",
              "givenName":"AAAA",
              "birthday":"1987/11/08",
              "gender":"F",
              "postcode":"4444",
              "ph":"PHL",
              "province":"LLLLLL",
              "city":"SSSSS RRRR",
              "homeAddress":"BBB 00 LLL 00 CCCCCCC ST. AAAAAAA HHHHH II BBBB. SSSSSSSS SSSSS RRRR CCCC LLLLLL",
              "fullAddress":"BBB 00 LLL 00 CCCCCCC ST. AAAAAAA HHHHH II BBBB. SSSSSSSS SSSSS RRRR CCCC LLLLLL PHL 4444"
          }
  },
  "extra":null,
  "transactionId":"77da92bbb624c805",
  "pricingStrategy":"PAY"
}

Response Result	Description	`feature_id`	Type
imageId	The image identifier in our system - “OCR_LITE_UMID-77da92bbb624c805_20220118173025354_0595496463.jpg”	`imageid`	STRING
idNumber	ID number of the person, for example “006-0041-5476-5”	`idnumber`	STRING
surname	Surname of the person	`surname`	STRING
middleName	Middle name of the person	`middlename`	STRING
givenName	Given name of the person	`givenname`	STRING
birthday	Date of birth of the person, for example “1986/04/08”	`birthday`	STRING
gender	Gender of the person	`gender`	STRING
postcode	Postcode of the address	`postcode`	STRING
ph	PHI or PHL	`ph`	STRING
province	Province in the address	`province`	STRING
city	City in the address	`city`	STRING
homeAddress	Home address of the person	`homeaddress`	STRING
fullAddress	Full address of the person	`fulladdress`	STRING

Card Type SSS

  {
    "code":"SUCCESS",
    "message":"OK",
    "data":{
        "result":{
            "birthday":"DECEMBER 6,1965",
            "name":"MMMMM VVVVVVVV FFFFF GGGGGGG",
            "idNumber":"00-7777777-7"
        },
        "imageId":"OCR_LITE_SSS-0767ec94be9e220f_20190108103443696_3766516780.jpg"
    },
    "extra":null,
    "transactionId":"0767ec94be9e220f",
    "pricingStrategy":"PAY"
}

Response Result	Description	`feature_id`	Atomic	Type
imageId	The image identifier in our system	`imageid`	YES	STRING
birthday	Date of birth of the person, for example “1986/04/08”	`birthday`	YES	STRING
name	Name of the person	`name`	YES	STRING
idNumber	ID number of the person, for example “03-7206344-5”	`idnumber`	YES	STRING

Card Type TIN

{
      "code":"SUCCESS",
      "message":"OK",
      "data":{
          "result":{
              "birthday":"03-09-1986",
              "issueDate":"03-26-2019",
              "name":"BBBBBB, SSSSSS EAAAAEINO",
              "address":"AAA VVNNLA DDDDDDZA MMMMMMG 2 BACOOR CITY CAVITE",
              "idNumber":"275-855-533-000"
          },
          "imageId":"OCR_LITE_UMID-0767ec94be9e220f_20190108103443696_3766516780.jpg"
      },
      "extra":null,
      "transactionId":"0e9767ec94be220f",
      "pricingStrategy":"PAY"
  }

Response Result	Description	`feature_id`	Atomic	Type
imageId	Date of birth of the person, for example “03-09-1986”	`imageid`	YES	STRING
issueDate	Issue date of the card, for example “03-26-2019”	`issuedate`	YES	STRING
name	Name of the person	`name`	YES	STRING
address	Address of the person	`address`	YES	STRING
idNumber	ID number of the person, for example “275-855-533-000”	`idnumber`	YES	STRING

Card Type PASSPORT

{
    "code":"SUCCESS",
    "message":"OK",
    "data":{
        "result":{
            "birthday":"15 Dec 90",
            "surName":"LAC**ILAO",
            "gender":"F",
            "givenName":"PRE**US ANNE",
            "idNumber":"EC04**500",
            "type":"P",
            "expiryDate":"26 Feb 19",
            "birthPlace":"MA**TI MM",
            "issuingAuthority":"DFA MAN**A",
            "nationality":"FIL**INO",
            "countryCode":"PHL",
            "middleName":"MAN**UJETO",
            "issueDate":"27 Feb 14"
            },
            "imageId":"OCR_LITE_PASSPORT-db884fe70acec168_20201124102319272_3099917869.jpg"
        },
    "extra":null,
    "transactionId":"db884fe70acec168",
    "pricingStrategy":"PAY"
}

Response Result	Description	`feature_id`	Type
imageId		`imageid`	STRING
birthday	Date of birth of the person, for example, “15 DEC 87”	`birthday`	STRING
surName	Surname of the person	`surname`	STRING
gender	Gender of the person	`gender`	STRING
givenName	Given name of the person	`givenname`	STRING
idNumber	ID number of the person, for example, “P1085120A”	`idnumber`	STRING
type	Type of the passport	`type`	STRING
expiryDate	Expiry date of the passport	`expirydate`	STRING
birthPlace	Birthplace of the person	`birthplace`	STRING
issuingAuthority	Issuing authority of the passport	`issuingauthority`	STRING
nationality	Nationality of the person	`nationality`	STRING
countryCode	Country code of the person	`countrycode`	STRING
middleName	Middle name of the person	`middlename`	STRING
issueDate	Issue date of the card, for example “03-26-2019”	`issuedate`	STRING

Card Type DRIVINGLICENSE

{
    "code":"SUCCESS",
    "message":"OK",
    "data":{
        "result":{
            "birthday":"1978/11/29",
            "address":"128 SSSSSSSS ST. SSSSSS,AAAAAA,BBBBBB",
            "gender":"F",
            "weight":"49",
            "restrictions":"1,2",
            "agencyCode":"BLC",
            "idNumber":"C02-00-000000",
            "bloodType":"A+",
            "assistantSecretary":"EEEEE C. GGGGGGG",
            "expiryDate":"2022/11/29",
            "nationality":"PHL",
            "eyeColor":"BLACK",
            "name":"MMMMMMM,CCCCCC CCCCCCC",
            "conditions":"NONE",
            "height":"1.55"
            },
            "imageId":"OCR_LITE_DRIVING_LICENSE-fd0075284216dc3a_20201124102513240_4568935703.jpg"
        },
    "extra":null,
    "transactionId":"db884fe70acec168",
    "pricingStrategy":"PAY"
}

Response Result	Description	`feature_id`	Type
imageId		`imageid`	STRING
birthday	Date of birth of the person	`birthday`	STRING
address	Address of the person	`address`	STRING
gender	Gender of the person	`gender`	STRING
weight	Weight of the person	`weight`	STRING
restrictions	Restrictions of the vehicle type	`restrictions`	STRING
agencyCode	Agency code of the issuing office	`agencycode`	STRING
idNumber	ID number of the person, for example, “C02-11-002230”	`idNumber`	STRING
bloodType	Blood type of person	`bloodtype`	STRING
assistantSecretary	Assistant secretary of the driving license	`assistantsecretary`	STRING
expiryDate	Expiry date of the driving license	`expirydate`	STRING
nationality	Nationality of the person	`nationality`	STRING
eyeColor	Eye color of the person	`eyecolor`	STRING
name	Name of the person	`name`	STRING
conditions	Conditions of the person	`conditions`	STRING
height	Height of the per	`height`	STRING

Facial Verification Features

facial_verification_features

Example of message structure from Kafka Topic:

{
    "id": "ac0055f3-19db-4767-aafd-482e627623af",
    "previousFacialVerificationId": null,
    "passedVerification": true,
    "customerId": "f101b81e-218d-4cdf-a3c1-b9c4374fbd55",
    "aaiLivenessId": "0ec0079f-771b-4bbd-9642-cd85a26ce734",
    "livenessScore": 98.0,
    "selfieDocumentId": "75131862-6b49-4755-ab7f-db454051bec3",
    "idCardId": "47e824a6-93e9-45df-b489-e1d03917385b",
    "similarity": 0.0,
    "createdAt": "2022-08-24 03:39:30.094000+00:00",
    "updatedAt": "2022-08-24 03:39:31.412000+00:00"
}

List of Features

Response Result	Description	`feature_id_prefix`	`feature_id`	Atomic
customerId	`entity_id`	`ekyc`	`customerid`
previousFacialVerificationId		`ekyc`	`previousfacialverificationid`	YES
passedVerification		`ekyc`	`passedverification`	YES
livenessScore		`ekyc`	`livenessscore`	YES
similarity		`ekyc`	`similarity`	YES
createdAt		`ekyc`	`createdat`
updatedAt		`ekyc`	`updatedat`

Liveness Detection Response Details - AAI Docs

Link - Liveness Detection API Reference Doc

AAI Sample Responses - URL Example

{
  "code":"SUCCESS",
  "transactionId": "196eb0c777789e58",
  "pricingStrategy": "PAY",
  "message":"OK",
  "data":{
      "detectionResult":"https://prod-liveness-detection.oss-ap-southeast-5.aliyuncs.com/standard-images/random_20180929195400851_1478837456?Expires=1542264468&OSSAccessKeyId=LTAIOnoatRFaPjAN&Signature=YGCyAGIBYaDwAnfRfQZummSdicc%3D",
      "livenessScore": 100
  },
  "extra":null
}

AAI Sample Responses - Base64 Example

{
  "code":"SUCCESS",
  "transactionId": "196eb0c777789e58",
  "pricingStrategy": "PAY",
  "message":"OK",
  "data":{
      "detectionResult":"/9j/4AAQSkZJRgABAQAAAQABAAD/...",
      "livenessScore": 100
  },
  "extra":null
}

Response Result	Description	`feature_id_prefix`	`feature_id`	Atomic	Type
customerId		`ekyc`	`customerid` - entity_id		STRING
detectionResult	The image url or the image base64	`ekyc`	`detectionresult`	No	-
livenessScore	The score for anti-spoofing, ranging from [0,100], less than 50 means it might be an attack. Please refer to the Note below of given suggestions based on different liveness scores.	`ekyc`	`livenessscore`	Yes	STRING

Face Comparison Response Details - AAI Docs

Link - Face Comparison API Reference Doc

Added support for flip angle photos. Supported flip angles include: 90°, 180°, 270°. If the image is flipped, it will have a certain impact on the accuracy.
If there are multiple faces in the photo, the largest face will be selected for comparison.

{
  "code":"SUCCESS",
  "transactionId": "196eb0c777789e58",
  "pricingStrategy": "PAY
  "message":"OK",
  "data":{
      "similarity":69.0,
      "firstFace":{
          "id":"1",
          "left":618.0,
          "top":227.0,
          "right":715.0,
          "bottom":350.0
      },
      "secondFace":{
          "id":"2",
          "left":316.0,
          "top":552.0,
          "right":894.0,
          "bottom":1321.0
      }
  },
  "extra":null
}

Response Result	Description	`feature_id`	Type
customerId		`customerid` - entity_id
similarity	Face similarity rate between the 2 uploaded pictures, the rate value is always between the number 0-100, the closer the rate to 100, the more similar the two faces are. Please refer to the Note below for given suggestions based on different similarities.	`similarity`	STRING
firstFace	The face in the first picture	`firstface`	DOUBLE_ARRAY
secondFace	The face in the second picture	`secondface`	DOUBLE_ARRAY

Note:

If the faces similarity is more than 70, the suggestion is pass.
If the faces similarity is from 55 to 70, the suggestion is manual check.
If the faces similarity is less than 55，the suggestion is rejection or using other methods to verify the user’s identity.

SaFi Bank Space : FS: eKYC AAI

Id Card Snapshot - OCR Lite Features

List of Features

OCR Lite Response Details - AAI Docs

Card Type Examples

Facial Verification Features

List of Features

Liveness Detection Response Details - AAI Docs

Face Comparison Response Details - AAI Docs

Attachments: