7 ms·

How does this work?

ceejayoz 5y ago
> Detect fake IDs and spoofed photos with machine learning > Match the ID photo with selfies of the document holder > Validate SSN and addresses against global databases Seems fairly clear.
- Muromec 5y ago
  So you just need to print physical (fake) id and claim to be in Europe to get around all three.
  - andylynch 5y ago
    This sort of thing is definitely usable in Europe; if you’re thinking of GDPR the legitimate interest and legal obligation rules are likely to apply to users of this product. Eg at least one of my banks uses something like this for account identity validation (I see KYC is high on their list of use cases). Things like car rentals would find this really useful too.
- c7DJTLrn 5y ago
  Awesome, can't wait to be irreversibly put on a blacklist because a black box algorithm has decided something doesn't look right.
pc 5y ago
It's actually pretty cool (IMO; I'm biased). Drop-in browser-based user authentication that: * Uses various sophisticated heuristics to detect real vs fake IDs. * Matches the ID to the human face. * Detects whether the human face is live or not. * Dynamically requests more or less information depending on the confidence level. It also gets better over time based on the attacks and fraud attempts that Stripe itself sees.
- sebmellen 5y ago
  This is amazing. Did you build all of the scanning logic yourselves? We’re exploring different options for scanning IDs like Anyline and BlinkID right now, but this looks incredibly well suited for what we’re building and would save us a tremendous amount of time if it works.
  - edwinwee 5y ago
    Yes, we’ve spent a lot of time on the scanning logic—especially to help guide users through photo-taking, since that’s half the battle for a successful verification. • Document detection • Blur and glare detection • Tool-tips during the user flow
- spywaregorilla 5y ago
  Ahh I see. This is really great. Those are 4 great bullets btw. They helped me understand the service a lot more than the landing page for identity. Might want to consider a view like this.
- tomjen3 5y ago
  >* Uses various sophisticated heuristics to detect real vs fake IDs. This means it will fail for a few individuals and you will be stuck trying to reach support who are going to be pointless and useless. Mostly this will be an issue with people of non-white ethnic origins and people with older laptops/phones with poorer cameras. This is obviously a useful product, but it is one the world would be much better of if it didn't exist at all.
- nceqs3 5y ago
  pc how are you biased? Do you work at Stripe or something?
  - deleted 5y ago
    [deleted]
  - gip 5y ago
    I think pc is one of the Stripe co-founder.
judge2020 5y ago
https://stripe.com/docs/identity/verification-checks https://stripe.com/docs/identity/verification-checks > Document checks verify the authenticity of government-issued identity documents. Stripe uses a combination of machine learning models, automated heuristic analysis and manual reviewers to verify the authenticity of hundreds of different document types. > Selfie checks look for distinguishing biological traits, such as face geometry, from a photo ID and a picture of your user’s face. Stripe then uses advanced machine learning algorithms to ensure the face pictures belong to the same person. > ID Number checks provide a way to verify a user’s name, date of birth, and national ID number. Stripe uses a combination of third-party data sources such as credit agencies or bureaus, utility or government-issued databases and others to verify the provided ID number.

How does this work?

> Detect fake IDs and spoofed photos with machine learning > Match the ID photo with selfies of the document holder > Validate SSN and addresses against global databases Seems fairly clear.

Muromec 5y ago
So you just need to print physical (fake) id and claim to be in Europe to get around all three.
- andylynch 5y ago
  This sort of thing is definitely usable in Europe; if you’re thinking of GDPR the legitimate interest and legal obligation rules are likely to apply to users of this product. Eg at least one of my banks uses something like this for account identity validation (I see KYC is high on their list of use cases). Things like car rentals would find this really useful too.
c7DJTLrn 5y ago
Awesome, can't wait to be irreversibly put on a blacklist because a black box algorithm has decided something doesn't look right.

pc 5y ago

It's actually pretty cool (IMO; I'm biased). Drop-in browser-based user authentication that: * Uses various sophisticated heuristics to detect real vs fake IDs. * Matches the ID to the human face. * Detects whether the human face is live or not. * Dynamically requests more or less information depending on the confidence level. It also gets better over time based on the attacks and fraud attempts that Stripe itself sees.

sebmellen 5y ago
This is amazing. Did you build all of the scanning logic yourselves? We’re exploring different options for scanning IDs like Anyline and BlinkID right now, but this looks incredibly well suited for what we’re building and would save us a tremendous amount of time if it works.
- edwinwee 5y ago
  Yes, we’ve spent a lot of time on the scanning logic—especially to help guide users through photo-taking, since that’s half the battle for a successful verification. • Document detection • Blur and glare detection • Tool-tips during the user flow
spywaregorilla 5y ago
Ahh I see. This is really great. Those are 4 great bullets btw. They helped me understand the service a lot more than the landing page for identity. Might want to consider a view like this.
tomjen3 5y ago
>* Uses various sophisticated heuristics to detect real vs fake IDs. This means it will fail for a few individuals and you will be stuck trying to reach support who are going to be pointless and useless. Mostly this will be an issue with people of non-white ethnic origins and people with older laptops/phones with poorer cameras. This is obviously a useful product, but it is one the world would be much better of if it didn't exist at all.
nceqs3 5y ago
pc how are you biased? Do you work at Stripe or something?
- deleted 5y ago
  [deleted]
- gip 5y ago
  I think pc is one of the Stripe co-founder.

judge2020 5y ago

https://stripe.com/docs/identity/verification-checks https://stripe.com/docs/identity/verification-checks > Document checks verify the authenticity of government-issued identity documents. Stripe uses a combination of machine learning models, automated heuristic analysis and manual reviewers to verify the authenticity of hundreds of different document types. > Selfie checks look for distinguishing biological traits, such as face geometry, from a photo ID and a picture of your user’s face. Stripe then uses advanced machine learning algorithms to ensure the face pictures belong to the same person. > ID Number checks provide a way to verify a user’s name, date of birth, and national ID number. Stripe uses a combination of third-party data sources such as credit agencies or bureaus, utility or government-issued databases and others to verify the provided ID number.