IMPORTANCE OF ON THE FLY RECOGNITION - ABBYY · IMPORTANCE OF ON THE FLY RECOGNITION JoãoRotta...

© ABBYY Confidential

IMPORTANCE OF ON THE FLY RECOGNITIONJoão Rotta

Innovation, M2SysLausanne, Switzerland, 2017

ABBYY 3A PARTNER SUMMIT


2 Brazil…


3 ABBYY in Brazil


4 ABBYY in Brazil


5

memory refresh


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Last year I said:


7

Last year I said:


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Mobile Account Openingwith ABBYY RTR


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Why mobile account opening?

Don’t have bank account26% of Brazil population (1)

40% of working population (2)

Mobile283,4 MM mobiles (3)

168 MM smartphones (4)

Brazil has 206 MM inhabitants (5)

Millennials (born between 1981 and 2005) (6)

86% have smartphones71% prefer going to the dentist rather than to the bank33% are ready to switching banks33% believe they don’t neet banks at all


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Customer Branch Manager Backoffice clerk

Goes to the Branch

Presents his/her documents Photocopies the documents

Keys all data

Receives the account # Opens the account

Sends the copies to the Backoffice Storages the copies

Goes to the Brach


Sends the copies to the Backoffice Keys all data

Opens the account

Receives the account # Storages the copies

Goes?Sends?

copies?

Process Evolution


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Goes to the Branch


Keys all data



Goes to the Brach



Opens the account


Goes to the Branch

Presents his/her documents Scans the documents

Uploads images to the Backoffice OCR the images

Checks the data

Opens the account

Receives the account # Storages the images

Goes?Sends?

copies?

Resolution 4.474

Process Evolution


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Goes to the Branch


Keys all data



Goes to the Brach



Opens the account


Goes to the Branch



Checks the data

Opens the account


From anywhere, takes a photo documents

Keys his/her ID # OCR the images

Uploads images to the Backoffice Checks the data

Opens the account


Goes?Sends?

copies?

Resolution 4.474

Resolution 4.480

Process Evolution


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Goes to the Branch


Keys all data



Goes to the Brach



Opens the account


Goes to the Branch



Checks the data

Opens the account


From anywhere, takes a photo documents

Keys his/her ID # OCR the images

Uploads images to the Backoffice Checks the data

Opens the account


Efforts Migration

Customer handles thedocuments and transmitsthe images

No more branchesinvolved

VALUATION!


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Challenges of mobile account opening

Proof of Life (liveness)

Quality of Captured Documents

Fraud (impersonate)

Customer Satisfaction


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Proof of Life (liveness)

Assisted selfie


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Proof of Life (liveness)...

Blink

Smile


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Proof of Life (liveness)...

BiometricFace Recognition


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Quality of Captured Documents

Assisted document captureAutoshooting Dewarp


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Quality of Captured Documents...

Assisted document captureFraming


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Quality of Captured Documents...

Standarized images (ANSI X9 – FEBRABAN)

Original

Grayscale

Bitonal

EXIF TagsTIFF Tags


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Fraud

Documentoscopia – is a branch of forensic sciencesthat studies documents to check if they are authentic(7)

DRIVER LISENSE

31 Feb 1980

123 456 789 / 01

JOHN ROUTE

Spell error

Invalid date

During the 80’s this numberwas printed with dots and no control digitsDuring the 80’s the namewas printed with mixed case


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Fraud...

Biometric Face Recognition (matching)

123.456.789

346.498.285

400.109.431

X

X

Face

Extract

Face

Match

DRIVER LICENSE

31 Jan 1980

123.456.789

John Route


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Fraud...

Credit bureau information (external databases)

Conector

Conector

DRIVER LICENSE

31 Jan 1980

123.456.789

John Route


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Fraud...

Geotag – heat map

score = f(lat,long,doc);


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Customer Satisfaction

UI UX


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Customer Satisfaction...

Operation 24 x 7

06:00 12:00 18:0000:00 24:00

19:30


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Customer Satisfaction...

Operation 24 x 7

DOM SEG TER QUA QUI SEX SAB


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01101011

00100001

OCR

CLASSIFICATIONVERIFICATION

RULESBACEN 2025

ANTI-FRAUDANALYSIS

ACCOUNT OPENING

00101001

00

101001

Operation

Bureau

SCORES

00101001

11011100


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Thank you!

João [email protected]

+55 11 98395.4678


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(1) http://brasileconomico.ig.com.br/financas/2015-07-08/bancarizacao-tem-maior-resultado-em-nove-anos.html(2) http://www.valor.com.br/financas/4006542/bancarizacao-avanca-no-brasil-e-atinge-60-da-populacao-que-trabalha(3) http://www.valor.com.br/empresas/4037952/numero-de-celulares-no-brasil-chega-2834-milhoes-em-marco(4) http://www1.folha.uol.com.br/mercado/2016/04/1761310-numero-de-smartphones-em-uso-no-brasil-chega-a-168-milhoes-diz-estudo.shtml(5) http://g1.globo.com/economia/noticia/2016/08/brasil-tem-mais-de-206-milhoes-de-habitantes-segundo-o-ibge.html(6) https://www.firstdata.com/en_us/all-features/millennials.html(7) “Documentoscopia”, Lamartine Bizarro Mendes, Editora Millenium, 4ª. edição, 2015

Date post:	11-Dec-2018
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