UMB_ID: Time for Digital Identification.

No matter whether someone is opening a bank account, contracting an insurance policy or registering for an online portal: it is important for companies to know who is purchasing a service or product. For many people, however, it is inconvenient to identify themselves on site within fixed opening hours. With UMB_ID, people can identify themselves in just 60 seconds. It complies with the Anti-Money Laundering Directive and thus allows contracts to be signed digitally - easy, secure, anytime and anywhere.

New Habits Require New Solutions

Identifying clients is a key element for companies throughout the entire customer life cycle. Onboarding new clients, service adjustments or support requests are only some of the possible identification points. However, due to their professional or private obligations, people today find it difficult to meet in person during normal business hours. This requires alternatives to direct contact, which at the same time guarantee data protection, meet all regulatory requirements and are still user-friendly. Modern technologies as used in UMB_ID allow customers to digitally identify in a simple and secure way.

Benefits for Your Clients

  • Available 24/7 at any location
  • Identification takes only 60 seconds
  • Easy and user friendly
  • Secure solution
  • No additional app needed

Benefits for Your Business

  • Cost-effective and ready for immediate use
  • Regulatory requirements met
  • Fraud detection
  • White-label solution which can be reused as required
  • Can be combined with a qualified electronic signature

The Features of UMB_ID at a Glance

7/24
Your customers can identify themselves at any time - even in the evening and on weekends.
No Waiting
Identification takes only 60 seconds and is performed independently. Waiting times due to busy call centers are thus eliminated.
Pricing
The price per identification is significantly lower compared to other methods.
Security
If required, face matching based on biometric features and liveness detection guarantee additional security. UMB_ID recognizes documents from 150 countries.
Legal Compliance
UMB_ID complies with the high EU standard and is certified for issuing a qualified electronic signature according to eIDAS. Identification via video stream is the security standard of the future.
Ready to Use
As Software-as-a-Service, UMB_ID is immediately available in the cloud. The solution complies with the current data protection laws in Switzerland and the EU.

Digital Identification With UMB_ID - This Is How It Works.

After the successful identification, the collected data must be additionally verified, depending on the security level. This is done either by specially trained employees of your company or outsourced to external agents. A checklist of simple questions is used to verify the data entered, the documents scanned and the video sequence recorded, further minimizing the risk of fraud. After verification, all documents are available via API to be archived according to your corporate policies and legal requirements.

Security Features of Digital Identification

Encryption according to current state-of-the-art is provided.
Use the logo, colors and favicon of your corporate identity.
Identification can be used to subsequently issue a qualified electronic signature.
Supports official ID cards from 150 countries.
Verifies that the ID document corresponds with the expected type.
Detects distinctive visual features (badges, patterns, …).
Detects document spoofing via black-and-white photocopies.
Verifies the correspondence between the sides of the document.
Captures and extracts data in real-time, improving trust and user experience.
Verifies the integrity of the Machine-Readable Zone.
Verifies that the ID document has not expired.
Controls external variables such as: lighting conditions, camera and network quality.
Checks that the person is alive during ID process.
Performs an automatic biometric scoring between person face and ID card photograph.

Individual Security Levels for Customized Solutions

UMB_ID can be flexibly integrated into the customer journey depending on the identification point and can be individually configured for the respective use case. For this purpose, we offer our remote identification application not only as a white label solution, but also in different security levels. These allow your company to get exactly the functionality you need for your use case.

medium substantial high high+
ID scan
Security checks
OCR data extraction
Selfie video
Face biometrics scoring
Liveness detection
Asynchronous verification
Asynchronous verication by external agent

Your contacts

Ralf Jenzer
+41 44 317 18 15
ralf.jenzer@umb.ch