Experimental design bureau: on-line identification of individuals - IDV (ID Verification)

The joint Credit Bureau started at the beginning of 2013 on-line service of identification of individuals – IDV (ID Verification). Service is set in experimental design bureau and financial institutions which render different to on-line services, access to which requires the identity certificate resort to its help.

The task of IDV Service is in checking whether really the person on that side of the monitor is that client for whom issues itself, or this is the swindler who used others passport data. Service verifies data which are specified about himself by the client in on-line to the request on the website of financial institution with those data which already contain in the database of credit stories of experimental design bureau. In practice this process looks as follows:

The client leaves the request for the credit on the website of bank, enters the full name, passport and some other data. The completed request is checked by IDV Service in two stages. At the first stage, it is called a validation stage, Service checks that in experimental design bureau base in the principle there is such person and he is not a fictional person. At the second stage, a verification stage, a problem of Service to be convinced that the request for the credit was left by this person, but not someone another under his type. For this purpose to the potential borrower five logical questions on his credit history are online set. The nobility of a part of own credit history can only its direct owner, this knowledge cannot be forged or guessed. Answers are compared to information which is stored in the database experimental design bureau and Service draws a conclusion about whether the person who submitted the application really of subjects is for whom issues itself. Spends for all processing of the request IDV Service read seconds. There are no restrictions on a flow and the number of the processed statements, technical capabilities of experimental design bureau are not limited.

The IDV service helps financial institutions not only to prevent fraudulent transactions and to exclude errors in a type of a human factor, but also to reduce operating expenses. Clients, adverse for bank, are eliminated at a stage of application on-line, the staff of operational bank department should not spend on them time. If the client is recognized reliable, then the bank also quickly approves to it, for example, issue of the credit card which can be directed by mail and to the client besides it is not necessary to come to department. Anyway, the bank noticeably reduces passability volume in department.

"In beat modern life its increasing part goes to Internet space, - Nikolay Myasnikov, the deputy CEO of experimental design bureau says, - the sphere of banking services not an exception. Banks monitor payback of departments more and more, inefficient and ineffective departments are closed, sales and customer service go to on-line. IDV service in this sense irreplaceable help for bank in an issue of identification of clients."

The IDV service is developed by experimental design bureau jointly Experian company. The company has considerable experience in area of verification of applicants as successfully renders such services in many countries of the world where similar service was popular about 10-15 years ago. In the West the IDV Service is applied not only in banking sector, but also in insurance, housing and public utilities, etc. In the USA, for example, the single database ID is both the identity certificate, and driver's licenses, and the system of housing and public utilities.