The need for agility in processes and improvement in the user experience has provided technological advancement for the public. The National Institute of Social Security, for example, is one of the main federal agencies to adopt liveness technology as a service.
Liveness, also known as proof of life, is a procedure that increases the system's security and prevents fraud, automatically, without affecting the citizen's comfort.
Do you know how liveness is used and how its use can affect your daily life?
We will see below.
What is liveness?
Liveness, which in translation refers to the test that proves a user's liveness, is a technique that aims to find fraud in biometric operations.
This operation is done to validate the unique characteristics of an individual, such as facial or fingerprint verification. The liveness test will verify whether the biometric capture actually corresponds to a person or is some kind of fraud, such as using a photo to cheat on one's identity.
In case of fraud, the system will detect it, using liveness technology. In this way it is possible to increase the security of the procedure.
What the advantages of liveness are
Although security is one of the strongest points of this test, other benefits come with its use:
- Automatic: Because it is an automated procedure, being part of the biometric capture process, the liveness test does not interfere in the duration of the process and avoids errors or delays that can occur due to human interference.
- Convenience: by bringing more security in biometric operations, the liveness test allows us to use our biometrics as a form of identification even in the virtual environment, and may even replace common passwords.
- Infrastructure: A solution can implement the use of the liveness test quickly and inexpensively, with the guarantee of a tool with high scalability and compatibility, such as cell phone and computer applications.
How liveness is used at the INSS
As of this year, the National Institute of Social Security is responsible for proving the life of the institute's beneficiaries. The institute's proof of life process aims to prove whether the beneficiary is still alive to continue with the social security benefit.
In short, the process will be done through a system of comparing information in different public databases in order to determine whether the image sent by the beneficiary corresponds to a living person or not.
This is an important procedure to avoid fraud and incorrect payments. It must therefore be done periodically. The procedure is annual for long-term beneficiaries and, according to gov.br, can be done in two modalities:
- In-person: performed at the service counter of the paying agency or at ATMs of the paying bank itself.
- Remote: It is possible to perform the proof of life process with the support of liveness technology.
How liveness can be used in your business
Just like the National Institute of Social Security, several industries can take advantage of the benefits of liveness testing, whether to increase the security of a process or speed up performance with reliable automation.
Banks and Fintechs should use the technology to ensure an effective security method when accessing a virtual account on apps or performing transactions on ATMs.
In education, it is also possible to use this technology in virtual environments, such as classrooms for distance learning courses,
In exams taken remotely, for example, liveness acts as identity proof, validating whether it is the student who is taking the exam or someone else.
Online fraud is increasingly common. It is enough to be minimally unprotected to be a potential victim. This is why liveness and other technologies are strongly recommended for digital processes.
If you know or have been a victim of online fraud, learn about prevention tips with biometric validation so that it doesn't happen again.
Tradução: Thalita Ferreira
