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What is secure video identification and how does it work?

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TrustCloud | What is secure video identification and how does it work?

Remote digital video identification is a process in which a person verifies their identity over a video call instead of doing so in person. 


n situations where physical presence is neither possible nor convenient, such as opening bank accounts, applying for loans, and other digital transactions, video calls are proving to be the best way to identify a user and complete onboarding or other transactions. 

The process generally begins with the interested party’s request through a platform or application that requires identification. This could be a bank, fintech, an online commerce platform, etc. 

When it comes to advanced solutions such as TrustCloud’s VideoID, the procedure can be carried out in two ways: assisted or unassisted. In the first case, a specialized fraud and identification agent will guide the user throughout the process. In the second case, tailored for more digitally savvy individuals who prefer highly flexible methodologies, the platform provides precise instructions thru the screen. 

Secure video identification phases 

The basic procedure for secure video identification would be as follows: 

  1. Start: A video call is established between the user and the verification agent. The agent requests consent to record audio and video. 
  2. Document verification: The user presents identification documents during the call (ID card, passport, driver’s license, etc.) and the image is captured. The verification agent checks the security elements of these documents to ensure they are authentic and that they match the person on the other side of the screen. 
  3. Face comparison: A picture of the user’s face (selfie) is also taken so that the verification agent can compare it to the photo on the ID document. This is done to ensure that the person being identified is the same one as the person on the document. 
  4. Security questions: In some cases, additional questions may be asked to verify the user’s identity, such as personal information or questions related to credit history. 
  5. OTP: Another factor, present in TrustCloud VideoID, is one-time password (OTP) sent via SMS. The user must enter this code in the video identification process to confirm their identity. This adds an additional layer of security to the process, considering that even if an unauthorized third party manages to intercept the communication, the OTP will expire quickly and cannot be used for fraudulent identification in the future. 
  6. Completion: The agent returns a positive or negative result, and the video identification process is complete. 

Global compliance 

When it comes to implementing video identification, companies must pay special attention to the legal requirements and regulations that govern the process. Two of the most important regulations are KYC (know your customer) and AML (anti-money laundering). 

  • KYC (Know Your Customer) 

KYC is a set of policies and procedures that regulated financial institutions and other companies must follow to verify the identity of their customers. The goal is to prevent financial fraud, money laundering, and other illicit activities. When implementing video identification, companies must ensure compliance with the KYC requirements set by regulatory authorities. This involves conducting a thorough verification of the customer’s identity, ensuring that the documents presented are authentic and match the person conducting the identification via the video call. 

Additionally, KYC also requires the collection and storage of additional information about the customer, such as their credit history, occupation, and source of funds. It is crucial that companies protect this information and use it responsibly and ethically. 

  • AML (Anti-Money Laundering) 

AML regulation aims to prevent the use of the financial system for money laundering and terrorist financing. When implementing video identification, companies must consider the provisions of AML to ensure they are taking the necessary steps to identify and mitigate the risks of illicit activities. 

To detect possible signs of money laundering, this involves not only verifying the customer’s identity but also conducting a deeper analysis of their activities and transactions. Companies must be prepared to report any suspicious activity to the relevant authorities and cooperate in subsequent investigations. 

It is important to note that KYC and AML regulations may vary by country and industry, so companies must stay updated on the specific requirements that apply to their jurisdiction and sector. Failing to comply with these regulations can result in serious sanctions, fines, and even the loss of the license to operate, so it is crucial for companies to address these requirements rigorously and diligently when implementing video identification. 

The choice between assisted and unassisted video identification will depend on the security requirements and scale of operation of the company implementing the identity verification process. Some companies may choose to use a combination of both methods depending on the context and nature of the transaction they are conducting. 

TrustCloud VideoID offers a mode to switch between modalities through a simple functionality, the HelpMe button, which allows to transform an assisted process into an unassisted one or vice versa, in seconds. 

Use cases of secure video identification 

– Opening bank accounts. 

– Credit and loan applications. 

– Contracting financial services. 

– Identity verification for online platforms. 

– Access to gaming, betting, or content platforms. 

Employee onboarding processes. 

– Online registration for events, webinars, conferences, or courses. 

– Real estate transactions, property purchases or sales. 

– Compliance with standards and regulations: in highly regulated sectors such as finance or law, it may be necessary to implement video identification processes to comply with security and fraud prevention requirements. 

– Identity validation on social media or communication platforms, to prevent fake or duplicate accounts. 

See how VideoID prevents customer loss by contacting our experts 

Tailored benefits of assisted and unassisted modes 

  • Assisted video identification 

Assisted video identification provides direct interaction between the verification agent and the user. This mode is especially useful for users who may require additional guidance or have questions during the identification process. The presence of a specialized fraud agent provides a sense of security and trust, crucial in situations involving financial or sensitive transactions. Additionally, for users less familiar with technology, the agent can provide technical assistance in real-time, resulting in a more comfortable and seamless experience. 

  • Unassisted video identification 

Unassisted video identification is a more automated option designed for users who are comfortable with technology and prefer to complete the identification process on their own. This mode is efficient and fast, not requiring the involvement of a real-time agent. Users follow the instructions provided by the platform and complete the process at their own pace. 

Ultimately, the choice between assisted and unassisted video identification will depend on the specific preferences and needs of users and the nature of the transaction or process being carried out. Both modes offer significant advantages and contribute to a more efficient and secure identification experience. 

Increase conversions with the most agile and qualified video identification. Ask for personalized advice from one of our experts.  

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