There are multiple options for the ID-PAL approval process. These can be found in the
identity approval configuration of an OnBoarding type:
There are the below auto-approval settings, each of which have associated
exclusion/inclusion criteria. This allows for the choice of whether auto-approval will work for
each of the categories, and to create acceptance rules for them (rules to say under what
conditions the auto-approval process is continued or halted). The criteria are only applicable
when the yes toggle options are selected for the associated auto approval setting.
If all auto-approval criteria are met, the OnBoarding will automatically progress through the
identity verification stage. If some but not all are, a manual review will be required.
The exclusion/inclusion settings work by allowing the auto-approval process to continue
under the conditions selected. For example, if we enable the name match auto approval and
select “firstname or lastname does not match” as an exclusion setting, this means that even
if one of the names does not match, the name match will be auto approved.
The NA option for each setting means it will not be considered in the auto-approval process
(and will not stop an auto approval). The No option will prevent the auto approval process
(and the OnBoarding from continuing) if selected for any option.
The name match check works by comparing the prospect records’ first and last name with
the names read/submitted by the ID PAL app. This will discount any middle names
submitted to avoid incorrect results where the first/last name match, but a middle name
doesn’t.
Only one of the name match exclusion options can be selected at any one time.
The data authentication exclusion settings, however, allows you to select as many options
as needed and will allow the auto approval to progress in all the exceptions chosen. These
are related to the documentation used to prove an individual’s identity and include the below
options:
The address match inclusion settings differ from the others by allowing you to set the
specific requirements that you demand for the auto-approval to occur, instead of allowing
you exclude instances that would otherwise cause a failure result.
In the below instance, the auto approval settings would only work when a full match was
made on the date of birth and last name. You can select as many or as few of the options as
necessary for your requirements.
Finally, the facial match exclusion setting only come into play if the default ID PAL
percentage match required for a pass isn’t met. For example, if the facial match is returned
as 60%, this would likely fail ID PAL’s criteria, but if you set the facial match exclusion score
to 50% this will pass your criteria settings.
The liveness test is a simple toggle that means if ID PAL returns a pass result (and yes is
selected below), the auto approval condition will be met.
The results of the ID PAL process will be displayed in the below format, where a table is
presented with the auto approval results for each category as well as the reasoning
associated with those results. They are also coloured to match the 4 auto approval results
shown at the bottom.
In this example, auto approval is enabled for the name check, but it has failed as there were
no exclusion criteria selected for “firstname and lastname does not match”. The facial match
and address check categories were not enabled for auto approval since the NA option was
chosen, and simply display the ID PAL results.
