Systems and methods for enrollment and identity management using mobile imaging
Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
1. A method comprising using at least one hardware processor to:
receive an image of a document captured by a camera, wherein the document has a plurality of fields;
preprocess the image of the document;
receive content of at least one of the plurality of fields in the document via manual entry by a user;
use the content to determine a location of the at least one field in the document;
automatically determine locations of a plurality of other fields in the image of the document based on the determined location of the at least one field for which the content was manually entered by the user;
extract identity data, associated with an individual, from the preprocessed image of the document, based on the determined locations of the plurality of fields; and
automatically populate fields of an enrollment form for a transaction based at least in part upon the identity data.
2. The method of claim 1 , further comprising using the at least one hardware processor to:
validate the identity data to assess a quality of the identity data; and
verify the identity data to assess an identity risk of the individual to a financial services organization, wherein the identity risk is a risk that the identity data of the individual is unreliable.
3. The method of claim 2 , further comprising using the at least one hardware processor to organize results of the validation and verification into a mobile identity risk scorecard, wherein the mobile identity risk scorecard comprises a structured information model that indicates risks associated with the set of identity data and comprises one or more indicators which denote aspects of identity risk.
4. The method of claim 3 , wherein the one or more indicators comprise one or more numeric indicators which denote identity risk.
5. The method of claim 3 , wherein the one or more indicators comprise one or more graphical indicators which denote identity risk.
6. The method of claim 1 , wherein the method is implemented as a software library executed by the at least one hardware processor.
7. The method of claim 6 , wherein the software library is embedded in a mobile application.
8. The method of claim 1 , wherein the document is a government-issued identity document.
9. The method of claim 8 , wherein the government-issued identity document is a driver's license.
10. The method of claim 8 , wherein the government-issued identity document is a passport.
11. The method of claim 8 , wherein the government-issued identity document is a military identification card.
12. The method of claim 1 , wherein preprocessing comprises cropping the image of the document.
13. The method of claim 1 , wherein preprocessing comprises de-skewing the image of the document.
14. The method of claim 1 , wherein preprocessing comprises de-warping the image of the document.
15. The method of claim 1 , wherein preprocessing comprises converting text in the image of the document into reverse text.
16. The method of claim 1 , wherein preprocessing comprises creating one or more bitonal images from the image of the document.
17. The method of claim 1 , wherein extracting the identity data comprises:
calculating a confidence score for each of a plurality of fields; and
individually highlighting each of the plurality of fields for which the calculated confidence score is below a fixed value.
18. The method of claim 1 , wherein extracting the identity data comprises:
reading a barcode in the preprocessed image of the document to produce a string;
parsing the string to identify one or more barcode fields, while applying a rules engine to handle exceptions in the string; and
cross-validating content of the plurality of fields with content of the one or more barcode fields.
19. A system comprising:
at least one hardware processor; and
one or more software modules that are configured to, when executed by the at least one hardware processor,
receive an image of a document captured by a camera, wherein the document has a plurality of fields,
preprocess the image of the document,
receive content of at least one of the plurality of fields in the document via manual entry by a user,
use the content to determine a location of the at least one field in the document,
automatically determine locations of a plurality of other fields in the image of the document based on the determined location of the at least one field for which the content was manually entered by the user,
extract identity data, associated with an individual, from the preprocessed image of the document, based on the determined locations of the plurality of fields, and
automatically populate fields of an enrollment form for a transaction based at least in part upon the identity data.
20. A non-transitory computer-readable medium having instructions stored thereon, wherein the instructions, when executed by a processor, cause the processor to:
receive an image of a document captured by a camera, wherein the document has a plurality of fields;
preprocess the image of the document;
receive content of at least one of the plurality of fields in the document via manual entry by a user;
use the content to determine a location of the at least one field in the document;
automatically determine locations of a plurality of other fields in the image of the document based on the determined location of the at least one field for which the content was manually entered by the user;
extract identity data, associated with an individual, from the preprocessed image of the document, based on the determined locations of the plurality of fields; and
automatically populate fields of an enrollment form for a transaction based at least in part upon the identity data.