How to Know Your Customer (KYC) in LINE Pay

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Introduction

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Fintech App Dev eKYC, Web App

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Agenda › What is KYC? › All about eKYC in LINE Pay › Review Trend › Future Plans

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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

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eKYC in LINE Pay › Electronic KYC, not through offline › Provide eKYC for LINE Pay and LINE Financial Services

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Flow All about eKYC Review the eKYC Share the result via LINE Select a method Verifying the identify

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› Demo video All about eKYC

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› 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

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Take a photo of entire face › Compare the face within the ID

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› Hereinafter, used as “LIVENESS” term › Detect whether a real face, not a photo Take photos of facial movement

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› Name › Birth › Address › Occupation › Purpose for LINE Pay account Enter the basic info

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All about eKYC Initial Version

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All about eKYC Revised Version

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All about eKYC Key Improvements › CardDetector SDK › CLOVA OCR via server API ID Validation

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ID Validation

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› CardDetector SDK Demo

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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

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Card Angle Recognition

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› Card “Angle” Detector SDK Demo

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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

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› FaceDetector SDK Demo

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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

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Guide & Specific Error message

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All about eKYC https://www.linebrain.ai/ekyc/

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Review Trend Approval Rate 26% Increase

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Review Trend 0 -0.9 -5 0 5 10 15 20 25 30 20.05 (External) 20.06 (CLOVA) Approval Rate (%)

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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

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The ID images were not fully captured › The card image received from CardDetector SDK was tight

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The ID images are fully captured › A guide image is provided on the screen

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The ID images are fully captured › Upload frame is expanded

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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 (%)

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The ID images were blurred › Automatic shooting was performed before the camera focus was completed

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The ID images are focused › SDK sends the blurred error

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The thickness was not detectable

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The thickness is detectable

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The thickness is detectable

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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 (%)

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Future Plans › Reduce errors/typos when entering personal information › Offer reliable Anti-Spoofing for Face Recognition › Analyze the uploaded images and data

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Future Plans › Use LINE Pay eKYC in 3rd party › LINE ID Passport › Add KYC method

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Thank you