IMPORTANCE OF ON THE FLY RECOGNITION - ABBYY · IMPORTANCE OF ON THE FLY RECOGNITION JoãoRotta...

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IMPORTANCE OF ON THE FLY RECOGNITIONJoão Rotta

Innovation, M2SysLausanne, Switzerland, 2017

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2 Brazil…

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3 ABBYY in Brazil

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4 ABBYY in Brazil

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memory refresh

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Last year I said:

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Last year I said:

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Mobile Account Openingwith ABBYY RTR

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Why mobile account opening?

Don’t have bank account26% of Brazil population (1)

40% of working population (2)

Mobile283,4 MM mobiles (3)

168 MM smartphones (4)

Brazil has 206 MM inhabitants (5)

Millennials (born between 1981 and 2005) (6)

86% have smartphones71% prefer going to the dentist rather than to the bank33% are ready to switching banks33% believe they don’t neet banks at all

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Customer Branch Manager Backoffice clerk

Goes to the Branch

Presents his/her documents Photocopies the documents

Keys all data

Receives the account # Opens the account

Sends the copies to the Backoffice Storages the copies

Goes to the Brach

Presents his/her documents Photocopies the documents

Sends the copies to the Backoffice Keys all data

Opens the account

Receives the account # Storages the copies

Goes?Sends?

copies?

Process Evolution

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Customer Branch Manager Backoffice clerk

Goes to the Branch

Presents his/her documents Photocopies the documents

Keys all data

Receives the account # Opens the account

Sends the copies to the Backoffice Storages the copies

Goes to the Brach

Presents his/her documents Photocopies the documents

Sends the copies to the Backoffice Keys all data

Opens the account

Receives the account # Storages the copies

Goes to the Branch

Presents his/her documents Scans the documents

Uploads images to the Backoffice OCR the images

Checks the data

Opens the account

Receives the account # Storages the images

Goes?Sends?

copies?

Resolution 4.474

Process Evolution

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Customer Branch Manager Backoffice clerk

Goes to the Branch

Presents his/her documents Photocopies the documents

Keys all data

Receives the account # Opens the account

Sends the copies to the Backoffice Storages the copies

Goes to the Brach

Presents his/her documents Photocopies the documents

Sends the copies to the Backoffice Keys all data

Opens the account

Receives the account # Storages the copies

Goes to the Branch

Presents his/her documents Scans the documents

Uploads images to the Backoffice OCR the images

Checks the data

Opens the account

Receives the account # Storages the images

From anywhere, takes a photo documents

Keys his/her ID # OCR the images

Uploads images to the Backoffice Checks the data

Opens the account

Receives the account # Storages the images

Goes?Sends?

copies?

Resolution 4.474

Resolution 4.480

Process Evolution

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Customer Branch Manager Backoffice clerk

Goes to the Branch

Presents his/her documents Photocopies the documents

Keys all data

Receives the account # Opens the account

Sends the copies to the Backoffice Storages the copies

Goes to the Brach

Presents his/her documents Photocopies the documents

Sends the copies to the Backoffice Keys all data

Opens the account

Receives the account # Storages the copies

Goes to the Branch

Presents his/her documents Scans the documents

Uploads images to the Backoffice OCR the images

Checks the data

Opens the account

Receives the account # Storages the images

From anywhere, takes a photo documents

Keys his/her ID # OCR the images

Uploads images to the Backoffice Checks the data

Opens the account

Receives the account # Storages the images

Efforts Migration

Customer handles thedocuments and transmitsthe images

No more branchesinvolved

VALUATION!

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Challenges of mobile account opening

Proof of Life (liveness)

Quality of Captured Documents

Fraud (impersonate)

Customer Satisfaction

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Proof of Life (liveness)

Assisted selfie

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Proof of Life (liveness)...

Blink

Smile

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Proof of Life (liveness)...

BiometricFace Recognition

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Quality of Captured Documents

Assisted document captureAutoshooting Dewarp

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Quality of Captured Documents...

Assisted document captureFraming

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Quality of Captured Documents...

Standarized images (ANSI X9 – FEBRABAN)

Original

Grayscale

Bitonal

EXIF TagsTIFF Tags

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Fraud

Documentoscopia – is a branch of forensic sciencesthat studies documents to check if they are authentic(7)

DRIVER LISENSE

31 Feb 1980

123 456 789 / 01

JOHN ROUTE

Spell error

Invalid date

During the 80’s this numberwas printed with dots and no control digitsDuring the 80’s the namewas printed with mixed case

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Fraud...

Biometric Face Recognition (matching)

123.456.789

346.498.285

400.109.431

X

X

Face

Extract

Face

Match

DRIVER LICENSE

31 Jan 1980

123.456.789

John Route

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Fraud...

Credit bureau information (external databases)

Conector

Conector

DRIVER LICENSE

31 Jan 1980

123.456.789

John Route

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Fraud...

Geotag – heat map

score = f(lat,long,doc);

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Customer Satisfaction

UI UX

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Customer Satisfaction...

Operation 24 x 7

06:00 12:00 18:0000:00 24:00

19:30

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Customer Satisfaction...

Operation 24 x 7

DOM SEG TER QUA QUI SEX SAB

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01101011

00100001

OCR

CLASSIFICATIONVERIFICATION

RULESBACEN 2025

ANTI-FRAUDANALYSIS

ACCOUNT OPENING

00101001

00

101001

Operation

Bureau

SCORES

00101001

11011100

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Thank you!

João Rottajoao.rotta@m2sys.com.br

+55 11 98395.4678

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(1) http://brasileconomico.ig.com.br/financas/2015-07-08/bancarizacao-tem-maior-resultado-em-nove-anos.html(2) http://www.valor.com.br/financas/4006542/bancarizacao-avanca-no-brasil-e-atinge-60-da-populacao-que-trabalha(3) http://www.valor.com.br/empresas/4037952/numero-de-celulares-no-brasil-chega-2834-milhoes-em-marco(4) http://www1.folha.uol.com.br/mercado/2016/04/1761310-numero-de-smartphones-em-uso-no-brasil-chega-a-168-milhoes-diz-estudo.shtml(5) http://g1.globo.com/economia/noticia/2016/08/brasil-tem-mais-de-206-milhoes-de-habitantes-segundo-o-ibge.html(6) https://www.firstdata.com/en_us/all-features/millennials.html(7) “Documentoscopia”, Lamartine Bizarro Mendes, Editora Millenium, 4ª. edição, 2015