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Video-Enabled Customer Identification Process - Video KYC

Celusion Technologies brings Video KYC that has been included by the RBI as acceptable verification of the customer. This has legitimized the video-based customer authentication process. This ensures that digital verification of the customer can be done remotely which ensures faster compliance and customer onboarding.

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Video-Enabled Customer Identification Process - Video KYC

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  1. WELCOME TO the video kyc platform A consent-based Video-Enabled Customer Identification Process (V-CIP) designed in compliance with regulatory guidelines. ©2020 CELUSION

  2. FEATURES live video streaming HTML5 browser-based video call between officer and the customer with recorded video REs may undertake live V-CIP, to be carried out by an official of the RE, for establishment of an account based relationship with an individual customer, after obtaining his informed consent. geotagging of customer Live location of the customer is captured to ensure that the customer is physically in India Live location of the customer (Geotagging) shall be captured to ensure that customer is physically present in India. upload kyc documents Lastly, we need a few documents PAN Card Front & Back Upload Captures PAN image, verifies with the issuing authority and matches with customer details Next RE shall capture a clear image of PAN card to be displayed by the customer during the process, except in cases where e-PAN is provided by the customer. The PAN details shall be verified from the database of the issuing authority.

  3. FEATURES Aadhaar Offline E-KYC aadhaar offline ekyc Uploaded Offline aadhaar Xml zip file should not be older than 3 days. Upload Offline E-KYC Zip Passphrase Get E-KYC Data Offline verification of AADHAAR XML with file generation not older than 3 days In case of offline verification of Aadhaar using XML file or Aadhaar Secure QR Code, it shall be ensured that the XML file or QR code generation date is not older than 3 days from the date of carrying out V-CIP Please answer a few questions audio visual interactions Please center your face within the oval on the screen until the circles turn green Q1 Done Q2 Done QUESTION 3 What is your birth date? Randomly sequenced questions for video interactions to establish that all interactions are in real-time Ongoing video call 01:20 The official of the RE shall ensure that the sequence and/or type of questions during video interactions are varied in order to establish that the interactions are real-time and not pre-recorded. Step 1 Step 2 Step 3 Step 4 Location Photograph PAN Card Questions Next, we need a quick photo. First, we need a quick photo. face match with id card Please center your face within the circle on the screen until the circles turn green Face is fitting perfectly. Please approve to continue Perfect! Approve Artificial intelligence based face matching of the customer in video with the ID card present Proceed Ongoing video call 01:20 The official of the RE shall ensure that photograph of the customer in the Aadhaar/PAN details matches with the customer undertaking the V-CIP.

  4. SPECIFICATIONS Risk Scorecard Know Your Customer Officer can view the various data points captured during the Video KYC journey by way of data entry, OCR of documents and verification against regulatory databases. Data Verification Validates information provided by the customer in real-time, against regulatory databases like NSDL / UIDAI and generates scores for each parameter. Name on PAN 95 Name Match Address Match Registered Mobile Face Match Geo-location Registered Email Location 100 Address on Aadhaar 65 Proof Documents Stores all documents uploaded, images captured and video recording of the interaction between customer and officer for audit and compliance. Photo on Aadhaar 88 Appointment Scheduler Agent Allocation Round-robin based officer allocation filtered on language, location or customer profile. Setup work timings, holidays and breaks to ensure agent availability for appointments. Seamless Integration Custom User Experience Live Interactive Video KYC Seamless integration with your mobile / web onboarding journeys through REST API. Setup your own customer journey in brand colours, originating from your domain. Customer interacts with RE officer over a live video call and completes the KYC process. Outbound Communication Do it Yourself Video KYC Dashboards and Reports Manage Email / SMS content and control the events for which they are triggered for appointments. Customers complete the KYC process on their own with a guided user experience. Company / agent level dashboards and detailed reports to monitor progress.

  5. HOW IT WORKS CUSTOMER OFFICER 1 Uploads KYC documents and schedules / starts a video call 2 Approves the geo-tagged location of customer within India 3 Positions their face with the help of an oval guidance 4 Captures the profile photograph of the customer 5 Positions original PAN card with the help of a rectangle guidance 6 Captures photograph of the original PAN card 7 Answers 3 randomly sequenced interaction questions 8 Approves answer and ends the call to generate the KYC report

  6. USE CASES Bank | NBFC | Housing Finance | Insurance | Stock Brokers | E-Commerce Payment Gateways | Wallets | Aggregators IPV through web camera for entities regulated by AMFI / SEBI Video based CIP for entities regulated by RBI Re-KYC for activation of dormant trading accounts Personal discussion verification for loan underwriting Merchant onboarding and verification for payment gateways Contract staff (drivers/delivery boys) onboarding for aggregators Video based claim settlement for insurance companies CUSTOMERS Need more information or a demonstration? Reach out to us. +91 22 42213500 | sales@celusion.com | www.celusion.com CELUSION

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