How to Know Your Customer (KYC) in LINE Pay

Noori Baek
LINE BIZ PLUS Fintech App Dev 3 Android Engineer
https://linedevday.linecorp.com/2020/ja/sessions/7408
https://linedevday.linecorp.com/2020/en/sessions/7408

Transcript

2. Introduction
3. Fintech App Dev eKYC, Web App
4. Agenda › What is KYC? › All about eKYC in LINE Pay › Review Trend › Future Plans
5. What is KYC? Know Your Customer › Minimize fraud through customer identification in financial services › Anti-Money Laundering / Combat the Financing of Terrorism › Identity Verification and Authentication
6. eKYC in LINE Pay › Electronic KYC, not through offline › Provide eKYC for LINE Pay and LINE Financial Services
7. Flow All about eKYC Review the eKYC Share the result via LINE Select a method Verifying the identify
8. › Demo video All about eKYC
9. › Front / Side / Back › Driver License, Driver License history certification › Residence card, Special permanent resident certification › My no card › Passport Take three photos of the ID
10. Take a photo of entire face › Compare the face within the ID
11. › Hereinafter, used as “LIVENESS” term › Detect whether a real face, not a photo Take photos of facial movement
12. › Name › Birth › Address › Occupation › Purpose for LINE Pay account Enter the basic info
13. All about eKYC Initial Version
14. All about eKYC Revised Version
15. All about eKYC Key Improvements › CardDetector SDK › CLOVA OCR via server API ID Validation
16. ID Validation
17. › CardDetector SDK Demo
18. All about eKYC Key Improvements › CardDetector SDK › CLOVA OCR via server API ID Validation › CardDetector SDK › Range of the angle specified by the administrator Card Angle Recognition
19. Card Angle Recognition
20. › Card “Angle” Detector SDK Demo
21. All about eKYC Key Improvements › CardDetector SDK › CLOVA OCR via server API ID Validation › CardDetector SDK › Range of the angle specified by the administrator Card Angle Recognition › Face SDK › CLOVA Face via server API Face Recognition
22. › FaceDetector SDK Demo
23. All about eKYC Key Improvements › CardDetector SDK › CLOVA OCR via server API ID Validation › Help to retry Specific error message › Overview › Step Guide › CardDetector SDK › Range of the angle specified by the administrator Card Angle Recognition › Face SDK › CLOVA Face via server API Face Recognition
24. Guide & Specific Error message
25. All about eKYC https://www.linebrain.ai/ekyc/
26. Review Trend Approval Rate 26% Increase
27. Review Trend 0 -0.9 -5 0 5 10 15 20 25 30 20.05 (External) 20.06 (CLOVA) Approval Rate (%)
28. All about eKYC Causes The ID images were not fully captured The ID images were blurred The thickness of side ID card image was not detectable
29. The ID images were not fully captured › The card image received from CardDetector SDK was tight
30. The ID images are fully captured › A guide image is provided on the screen
31. The ID images are fully captured › Upload frame is expanded
32. Review Trend 0 -0.9 12.3 -5 0 5 10 15 20 25 30 20.05 (External) 20.06 (CLOVA) 20.07 Approval Rate (%)
33. The ID images were blurred › Automatic shooting was performed before the camera focus was completed
34. The ID images are focused › SDK sends the blurred error
35. The thickness was not detectable
36. The thickness is detectable
37. The thickness is detectable
38. Review Trend 0 -0.9 12.3 24 26 -5 0 5 10 15 20 25 30 20.05 (External) 20.06 (CLOVA) 20.07 20.08 20.09 Approval Rate (%)
39. Future Plans › Reduce errors/typos when entering personal information › Offer reliable Anti-Spoofing for Face Recognition › Analyze the uploaded images and data
40. Future Plans › Use LINE Pay eKYC in 3rd party › LINE ID Passport › Add KYC method
41. Thank you