Epic:
SM-38
-
ONB: Provide necessary data for onboarding
Done
Priority:
Effort estimate:
Review status: in preparation/ready to review/approved
Role: the Customer
Objective: to prove that a Customer is a live person trying to onboard
Reason: to prevent fraud/identity theft, KYC
Functional requirements:
Liveness check represents Step 3 out of 4 required for Onboarding.
the Customer is only allowed to continue to the liveness check once they finished the previous step (identity verification including ID scanning)
the Customer is instructed on how they should prepare for the liveness check - instructions will be part of a separate screen
liveness check is done via integration to AAI service which will instruct the customer to position within the given frame
based on the captured video quality and level of fulfilling of the requirements the service will provide written and spoken instructions
the service compares the face captured with the face extracted from the ID
at the end of the video capturing the service will return:
OK + liveness ID and liveness score, all is stored within the Customer profile
NOK - result is stored within the Customer profile
In both the customer is presented with a screen confirming that this step was finished
In case the result is OK the Customer continues in the onboarding flow
In case the result is NOK the Customer continues in the onboarding flow (liveness check will be done manually during vKYC call with a SaFi agent)
Technical specification:
Liveness check using Advance AI
UI requirements: n/a
Process flow: n/a
Execution steps: n/a
Internal dependencies: n/a
External dependencies: AAI Liveness service being up and running
Alternative scenarios: AAI Liveness service is not accessible or functioning properly - the Customer can continue with onboarding (liveness check will be done manually during vKYC call with a SaFi agent)
Acceptance criteria:
Customer who has finished ID verification can proceed to Facial verification.
Customer is given instructions based on the real positioning.
only Customer who has been assessed as a live person as well as a Customer with matching face to the face provided on the ID can receive a positive outcome of facial verification.
Customer failing in one of the conditions above cannot proceed, can repeat the liveness check.
In case of OK result, liveness ID and score is stored within Customer profile.
Customer can proceed with onboarding in all cases:
service is accessible and functioning and liveness check result is OK
service is accessible and functioning and liveness check result is NOK
service is not accessible and not functioning.
Links to wireframes/UI: https://www.figma.com/file/0LEEFZgkUnPkPTkY9PMREt/SaFi---WF-%26-UI-(Shared)?node-id=5648%3A53823 / https://www.figma.com/file/dkDQHRa1zq7tU58MiL6hBR/SaFi---UI---MVP-(Shared)?node-id=79%3A4717