Introduction

Biometric blacklisting is used to prevent fraud during the eKYC process by identifying and blacklisting users with facial and/or thumbprint information that matches an existing database of known fraudsters.

How It Works

• If a user has been identified as a fraudster during an eKYC process (fake ID, screen spoofing, etc.), the user's unique biometric information is captured in a database.
• The same user might attempt to create another fraudulent account at another institution using a new fake ID.
• When performing the biometric checks, the user's information will return a match in the fraudster database.
• The fraudster is prevented from proceeding with the account registration.
• Users who are blacklisted can appeal the decision by conducting video verification or visiting a physical branch.
• During the appeal process, the user will be required to provide additional information to verify their identity and prove that they are not involved in criminal activities.

Benefits

• Biometric blacklisting is an automated process, only requiring manual intervention during the review and appeal process.
• Biometric blacklisting does not disrupt the experience for genuine users.
• Biometric blacklisting provides tighter fraud control by using advanced facial and/or thumbprint recognition technology to identify and blacklist users with a history of fraudulent activities.
• Matching fraudsters against a known database is a quick and easy way to prevent and discourage fraudulent activities.