The Enhanced NFC ID check report

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 Address Match Report

• PEP and Sanction Report

• CCJs & Insolvency check (when enabled) 

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 an Enhanced NFC ID report.

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 let you know how the personal information entered by the client in the app matches the information extracted from the biometric chip on the passport. 

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.'

Enhanced NFC ID 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.