Identity Verification

CloudCard facilitates identity verification by through a number of means including:

• Submission of Government Issued Identification (i.e. a Driver's License or Passport) as a Supplemental Document
• Single Sign-On Authentication
• Email Authentication

But how can we be 100% positive? For example, what if the person has modified the image of their government issued ID and/or gained access to their family member's or roommates device?

The simple answer is that we can never be absolutely positive. No one can at this point.  Even when a person walks into your office and presents an apparently valid government-issued ID, there is still a chance that the ID is fraudulent or belongs to someone other than the person presenting it. 

This is really a question of due diligence, which can only be answered by each organization; and we encourage you to consult your attorney or legal office.  However, more and more, we are seeing that the mechanisms many of our customers already use to verify identity assume generally acceptable levels of trust, which are starting to become necessary to do business in a digital economy.  

The general acceptability of digital signatures is an external example of similar trust levels and mechanisms.  There's no way to guarantee that the person who opens an electronic signature request is truly the owner of the email address and not a family member who has gained access to his or her device.  In spite of that, we still see electronic signatures becoming commonplace.

We have seen various organizations implement several great business process to effectively satisfy their due diligence requirements with regard to preventing these types of fraud.  Some examples include:

• Requiring cardholders to present government issued ID in person when picking up their ID card. (most common)
• Requiring SSO authentication to log into online photo submission. (very common)
• Requiring users to agree to be legally liable for fraud they commit or that is committed by someone to whom they allow to access to their account or who gains access to their account as a result of their negligence.
• Requiring all cardholders to complete their applications and pay their confirmation deposits before submitting their photo.
• Requiring a one min video call in which the cardholder holds up their ID and affirms their identity before printing the cards (least common)