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How to Know Your Customer (KYC) in LINE Pay

How to Know Your Customer (KYC) in LINE Pay

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LINE DevDay 2020

November 27, 2020
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Transcript

  1. None
  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