How to interpret the result of your client's Enhanced NFC ID check
The Enhanced NFC ID check is our product which meets the requirements laid out by HM Land Registry's ‘Digital ID standard’ guidelines. When firms carry out this check to verify their clients, they will reach a level of due diligence that gives them the key benefit of recourse from prosecution by HM Land Registry should fraud occur during the transaction.
The Enhanced NFC ID report contains the following sections:
- Document Report
- Facial Similarity Report
- Database (electronic) Address Match report
- PEP and Sanctions report
Enhanced NFC ID Document report
The Enhanced NFC ID check uses NFC technology to extract all the required information from the biometric chip stored within the ID document. We check the digital signature and signing key within the chip to ensure it was issued by the relevant governing body, and run a decryption to ensure the chip has not been cloned.
A copy of the document is included in Appendix 2 of the report for your review and file. Here is an example of a Enhanced NFC ID report.
Enhanced NFC ID Document report results
More information is provided on the personal information that has been extracted from the chip in Appendix 2 of the report:
In this Appendix, you will be presented with details of the client's name and date of birth that were extracted from the biometric chip in the ID document. To run our Data Comparison checks, this information is compared with the information entered by the client during the app journey, which is displayed at the top of the report.
Here, we are letting you know how the personal information entered by the client in the app matches the information extracted from the biometric chip on the passport. In the above example, the data has been fully matched.
If the name the client gave us was different to what is stored in their chip, a flag would be raised under Data Comparison and there would be a red cross under 'Name:' instead of the green tick displayed above.
Facial Similarity Report
The Enhanced NFC ID Check uses an 'enhanced liveness' scan to ensure that the person completing the ID verification is in fact the document holder. We compare the biometric measurements stored within the passport chip with the scan taken of the client's face in the app.
As per HMLR's guidelines, a flag will be raised if the scan is not successful. The reasons for the scan being unsuccessful could be:
- Too dark or light in the room where it was completed
- No face was detected in the scan
- More than one face was detected in the scan
For a full breakdown of all the flags that could appear on an Enhanced NFC ID report, please see our corresponding article here: Flags on an Enhanced NFC ID report
What if the Enhanced NFC ID could not be completed?
If the client has not been able to complete the NFC chip reading, it will most likely be for one of these reasons:
- The client's phone is not NFC capable
- The biometric chip is damaged
- The passport in question doesn't have a chip
If one of the above is the case, the client should automatically be redirected down the route of the Original ID check, and you will be notified on the report.
You can find out more on this in our related article: Original ID completed instead of Enhanced NFC ID?
Need more help?
These articles should answer most of your questions. However, if you have any further queries please click the live chat button in the bottom right of your screen to talk to a member of the client support team.
Furthermore, should your client have any queries about the process, our dedicated customer support hub will provide the answer to many of your client's questions. From here they can also chat directly with one of our consumer support team who can provide real-time help and assistance.