BioID and Digidentity Collaborate to Offer a Completely Automated Identity Proofing Process

BioID and Digidentity Collaborate to Offer a Completely Automated Identity Proofing Process

BioID liveness detection automates Digidentity’s identity proofing for British government service GOV.UK Verify

Nuremberg, Germany and The Hague, Netherlands – June 17th, 2020 – German biometrics company BioID and Dutch identity provider Digidentity, part of Solera Holdings, Inc., collaborate to offer a completely automated identity proofing process to the British government. Digidentity delivers state-of-the-art, certified identity solutions with high levels of assurance complying with eIDAS, KYC and AML regulations. For fraud prevention and automation, these are supported by the anti-spoofing liveness detection technologies from long-term partner BioID.

As a certified identity proofing service provider, Digidentity verifies over 20 million identities and their technology processes more than 300 million authentications a year. Offering remote identity verification for GOV.UK Verify, Digidentity enables the British public to access a wide range of governmental services online. Among other security features, facial recognition and biometric liveness detection by BioID are used for verifying the ID ownership and deterring fraud by presentation attacks. When validating identity online, a crucial and mandatory element to preventing identity fraud is to make sure the physical and digital person are genuinely connected. Digidentity’s trusted solutions streamline the process in real-time making human intervention unnecessary in most cases.

Scaling GOV.UK Verify identity proofing during COVID-19

COVID-19 has boosted the growing need of an autonomous solution to replace physical face-to-face governmental services. To maintain public administration, remote identity verification with high levels of assurance is required for a huge number of users. Within a few weeks only, Digidentity was able to scale up its service and now can onboard more

than 400 UK identities per minute. BioID’s technology powered by its patented liveness detection allows for a fast and accurate service that can be accessed easily from any device within seconds. It only requires two selfies and an ID photo either retrieved via NFC technology, or captured using the mobile camera, to check the user’s presence in real-time and prevent identity fraud.

Next Level eIDAS, KYC & AML regulatory compliance

Trust and security do not stop at on-boarding. As a certified Trust Service Provider (TSP), Digidentity offers a full range of digital identity services that are compliant with a variety of regulations such as KYC, 5AMLD and eIDAS. BioID’s integration brings the service to the next level by means of a frictionless, automated user journey throughout the entire identity lifecycle.

Marcel Wendt, CTO of Digidentity: “We are proud to partner with BioID in supporting GOV.UK Verify during this unprecedented situation in completing critical remote identity verification. We offer organisations an easy and secure way to verify their users. Part of the verification is the ‘selfie check’ where we check if the selfie sent to us is the same as the photo on the chip of the ID document. By working together with BioID, we can further automate this process, providing a face-to-face level of assurance with liveness detection and making sure the person on the other side is really who they say they are with facial recognition.”

About BioID

BioID offers liveness detection, facial authentication & identity verification as a Service. With 20 years of experience its special focus is on biometric anti-spoofing Made in Germany. In line with this, the company’s facial authentication service offers data privacy and security by design. BioID is guided by the vision to enable software based biometric verification – with any device, for any application. The privately held company with R&D based in Germany has proven its technology through many years of use at enterprises, banks and government organizations.

About Digidentity

Digidentity is a global online identity verification company, combining smooth usability with government-grade security. Digidentity is part of Solera Holdings, Inc., a global leader in risk and asset management data and software solutions for the insurance and

automotive industries. Last year alone, Digidentity’s technology processed over 300 million authentications and protected the digital identity of more than 20 million people globally.  It makes online identification easier, quicker, and more secure. We enable safe digital communication between individuals and government – both in the United Kingdom and The Netherlands – and are continuously developing new and improved services. Our rigorous approach to privacy and security means that not even Digidentity employees will be able to access your data.

Contact

BioID GmbH
Ann-Kathrin Freiberg
+49 911 9999 898 0
press@bioid.com
www.bioid.com

Digidentity/Solera
Olivia Logan
+1 817 961 2114
mediainquiry@solera.com
www.digidentity.eu

Solera Audatex Launches Image Capture Solution in Record Time

SOLERA AUDATEX LAUNCHES IMAGE CAPTURE SOLUTION IN RECORD TIME FOR MULTI-NATIONAL INSURER, AXA, IN THE UNITED ARAB EMIRATES

Custom, digital process is fast and easy for customers to use, and allows for continuous support of new policy approvals and renewals without requiring physical interaction.

DUBAI, UNITED ARAB EMIRATES, JUNE 2020: Solera Audatex (Audatex FZ LLC), part of Solera Holdings, Inc., a global leader in risk and asset management data and software solutions for the insurance and automotive industries, today announces the rapid implementation of Audatex Image Capture for use in claims underwriting for AXA, one of the leading global insurers in the region.

AXA in the Gulf has been in partnership with Solera Audatex in the UAE for multiple years. Given the current conditions of the industry brought about by the Coronavirus pandemic, AXA sought an innovative and safe way to simplify and speed up the underwriting process for their customers without requiring physical interaction.

Audatex Image Capture is an intelligent web application delivering smart images that gives the insurer valuable insight into a customer’s vehicle condition without requiring the customer or assessor to travel. In the current era of social distancing and continued government regulations encouraging people to stay home, this digital solution is saving time, improving efficiency and keeping people safe.

In just a few short hours from request to delivery, the Solera Audatex team created and launched a bespoke, fast, digital process to support AXA’s underwriting needs, using Image Capture. This included testing and training of the AXA claims team.

Here’s how the solution works to support the underwriting process for AXA:

  • Image Capture sends a message to the customer and thanks them for interest in buying Motor Insurance. The same message also instructs them to click on a link to a customized AXA portal.
  • The customer is then guided through an intuitive, step-by-step process to capture all required images for a new policy or renewal, with no app download required.
  • AXA receives the images immediately in high quality and is able to record the existing condition and details of the vehicle required to provide accurate quotation.

The Image Capture direct messaging process outlined above, which was already in use for AXA’s motor claims processing in the UAE, has a 70% success rate with customer participation.

“Safeguarding the health, safety and protection of our customers is our utmost priority. As such, at AXA we are glad to have a smooth and efficient digital solution readily available to meet the growing demands of car insurance as more and more people begin using personal vehicles versus public transportation in the coming weeks. We appreciate the quick response from Solera Audatex in getting this process moving quickly, which will help us meet the market need from customers,” said Stefan Schrey, Head of Claims at AXA Gulf.

AXA has been a multi-national partner with Solera since 2006, working with the company in France, Belgium, Germany, Spain, Mexico, UK, Poland, Ukraine, Singapore, South Korea, Turkey, Italy, GCC, Czech Republic, Slovakia and Greece. They are also co-shareholders of another Solera business unit in France, Sidexa.

“We’re happy to partner with AXA to quickly provide them with the right solution to help them overcome the unforeseen challenges brought on by this pandemic,” said Arnaud Agostini, Regional Managing Director, Solera Middle East. “Image Capture brings a whole range of benefits to both insurers and their customers, providing a fully digital solution to save valuable time and ensure continuous operations while enhancing the overall customer experience.”

Image Capture also enables bodyshops to send their customers a customisable SMS request for images of their vehicle’s condition and damage, via their smartphone. Upon return of images from the customer, the bodyshop receives an email notification and can instantly access the images provided to begin triage immediately with increased accuracy. Using the additional images provided, bodyshops can begin the damage estimation process, gain early repair authorisation and pre-order required parts, all before the vehicle has arrived on site, reducing key-to-key times and improving customer experience and satisfaction.

For more information about Image Capture and Solera Audatex operations in the UAE, visit: https://audatex.ae

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ABOUT SOLERA AUDATEX

Trusted the world over, Solera Audatex has redefined global knowledge and data insight in risk and asset management since 1987. Through unrivalled integrated technology, we connect people, insurers and suppliers, empowering all to make quicker, smarter decisions. Part of the Solera group, we consistently challenge expectations through continuous investment and digital innovation.

ABOUT SOLERA

Solera is a global leader in risk and asset management data and software solutions, empowering companies across the automotive and insurance ecosystem with trusted solutions that adhere to the highest standards of data privacy, security and integrity to support connectivity across the vehicle value chain. Solera’s solutions bring together customers, insurers and suppliers, empowering smarter decision-making through service, software, enriched data, proprietary algorithms and machine learning that come together to deliver insight and ensure customers’ vehicles and property are optimally maintained and expertly repaired. The company is active in over 90 countries across six continents, processing more than 300 million digital transactions annually for over 235,000 customers and partners. By drawing on the market-leading solution capabilities and business process best practices from its technologies around the world, Solera provides unsurpassed scale and strength with superior performance while delivering innovation to move the industry forward.

ABOUT AXA

AXA, one of the largest global insurers, is a worldwide leader in Insurance and Asset Management with a purpose of empowering people to live a better life. In the Gulf region, AXA has been present for 70 years, offering a wide range of insurance products and services for corporate, SME and individual customers.

AXA in the Gulf is one of the largest international players in the G.C.C., covering the UAE, Oman, Bahrain and Qatar markets, with a workforce of over 800 employees, 25 branches and retail shops region-wide and over 1 million customers. With a range of products and services tailored to each customer, covering property & casualty insurance and life & health insurance, AXA in the Gulf is a multi-lined one-stop shop insurer.

Additionally, AXA is focused on helping the world better face climate risk, whilst also extending protection and risk knowledge to the public, in an effort to contribute to global economic development and become a trusted partner for customers in the region.

Recognized as a leading insurance brand, AXA has won several awards for its quality of services and products. For more information visit www.axa.ae and follow us on Twitter, LinkedIn and Facebook.

The Human-in-the-Loop Approach

The Human-in-the-Loop Approach

In the automotive industry, we know artificial intelligence and machine learning technologies help reduce claimant complexity, speed up the claims cycle, and deliver an overall better customer experience. They can also deliver real-time results to insurers, repairers, and consumers regarding:

  • Accurate, consistent and faster estimations
  • Increased triage accuracy
  • Automation at process of payment
  • Reduction of supplementary estimates
  • Faster parts ordering
  • Quicker approval and/or settlements
  • Early detection of total loss

And then, of course, there are self-driving cars, which rely on a continuous, uninterrupted stream of data and instructions to be autonomous.

However, it’s important to not only focus on the measured outcomes of this technology: cost, efficiency gains, speed and safety—but it’s critical to focus on how the AI accomplishes its automation of certain tasks, particularly in the automotive space where safety is key.

The human-in-the-loop approach reframes and prioritizes the human-computer interaction, in a design to build smarter systems that incorporate useful, meaningful human interaction.

It is good practice (and a necessity in the automotive industry) for A.I. and machine learning systems to always be designed with a human-in-the-loop component that can intervene when necessary—whether that be flagging something in the claims cycle or overriding a self-driving car.

At Solera, we’re building intelligent systems for humans to enable us to accomplish more in a smarter way. The human augments the technology with their expertise (or repair science, in our case), creating an unbeatable blend of human and technology.

This repair science is where future-proofing comes in. Solera continues to train our solutions as new cars come out with slightly different shapes, slightly different angles. There will inevitably be things no one has seen before—and that’s why we continue to teach the machine.

The “human in the loop” is never simply a checklist item where someone is given minimal oversight of the algorithms. One of the things we pride ourselves on at Solera is our team’s extensive and collective experience in the industry, which provides a true understanding of how the intelligent designs work in the automotive space and helps validate the output.

Solera’s Top Tips for Technicians
June 2, 2020

Each week Solera highlights some of the real-world, experience-based fixes our users at Identifix and OE technical fixes our users at Autodata discover. Here are this week’s favorites:

IDENTIFIX — FIX OF THE WEEK: 

Confirmed, experience-based fixes directly from technicians and shop owners. Find this and over 3.5 million other confirmed fixes in Direct-Hit. Get a 14-day free trial.

The Vehicle:

2017 Honda CR-V EX 1.5 Liter 4 Cylinder

The Problem:

The battery drains down overnight, and the alarm activates intermittently if the car is locked.

Check out the solution in our Fix of the Week

 

AUTODATA — AUTODOCTA: 
Confirmed fixes sourced directly from the manufacturer. For information on how to get OEM-sourced fixes for your workshop, see www.autodata-group.com.

The Vehicle:

2015 Toyota Auris

The Problem:

The vehicle is suffering from a lack of power and the engine malfunction indicator lamp (MIL) is illuminated. There is a trouble code of P0300 stored in the engine control module (ECM) fault memory which mentions random/multiple cylinder misfires. After checking the fuel system and replacing the spark plugs, the cause for the lack of power still hasn’t been identified.

Check out the solution in Autodocta

Solera’s Top Tips for Technicians May 19, 2020

Solera’s Top Tips for Technicians
May 19, 2020

Each week Solera highlights some of the real-world, experience-based fixes our users at Identifix and OE technical fixes our users at Autodata discover. Here are this week’s favorites:

IDENTIFIX — FIX OF THE WEEK: 

Confirmed, experience-based fixes directly from technicians and shop owners. Find this and over 3.5 million other confirmed fixes in Direct-Hit. Get a 14-day free trial.

The Vehicle:

2017 Chevrolet Sonic LS 1.8 Liter 4 Cylinder

The Problem:

The check engine light is on and there are no drivability concerns.

Check out the solution in our Fix of the Week

 

AUTODATA — AUTODOCTA: 
Confirmed fixes sourced directly from the manufacturer. For information on how to get OEM-sourced fixes for your workshop, see www.autodata-group.com.

The Vehicle:

2017 Ford EcoSport 1.5 Diesel

The Problem:

Intermittent engine misfire, a lack of power, and the engine malfunction indicator lamp (MIL) is illuminated. The following trouble codes—P0087, P0088, P008A, P009E, P0193, P116E, P0825, P089F, P0822, P0252, P027C, P02E5, P162F, P062A, P06E9, P1102, U0212, U0109—are stored in the fault memory and have been checked, but we cannot find a solution to the fault.

Other Applicable Vehicles:

All EcoSport models with 1.5 Diesel engines up to 02/04/19

The Diagnosis:

The faults are due to the engine wiring harness chafing against the vacuum pump mounting bracket, causing a short circuit. To gain access to the wiring harness, remove the air filter assembly, battery, and battery tray. Inspect the wiring harness for chafing in the area indicated.

The Solution:

Repair the wiring harness as necessary, wrap with insulation tape, and secure the wiring harness with a cable tie. Refit the battery tray, battery, and air filter assembly. Carry out a road test to ensure the fault has been rectified.

What’s Next: A Deeper Dive into Digital Transformation

What’s Next: A Deeper Dive into Digital Transformation

Last week, we held our second global webinar, featuring a panel of Solera’s leadership and product experts. (If you missed it—don’t worry! You can catch the recording here.)

Since our first webinar in the series, the industry has begun seeing signs of recovery, including increases in private automotive travel. Now’s the time to prepare for our new normal.

This pandemic accelerated digital transformation across the board, playing a huge role in supporting business continuity for customers during COVID-19. Insurers and repairers now have the opportunity to further embrace this change post-lockdown and prevail with the modern automotive claims ecosystem. Or, they can choose to revert to the “old normal” and create an insurmountable gap that leaves them lagging behind their competition. (Read more about this in our recent whitepaper.)

For those who choose to surge ahead, what does automating the claims workflow entail? Implementing fully integrated, intuitive, digital solutions that center the claims experience in data-driven decisions.

These solutions, which leverage artificial intelligence and machine learning, must deliver real results to insurers, repairers and consumers, including:

  • Accurate, consistent and faster estimations
  • Increased triage accuracy
  • Automation at process of payment
  • Reduction of supplementary estimates
  • Faster parts ordering
  • Quicker approval and/or settlements
  • Early detection of total loss

All these listed outcomes help reduce complexity for the claimant and deliver a better customer experience, while speeding up the claims cycle for all.

For example, if the AI detects medium-sized dent on the left rear side panel of an Audi TT Mk1—which is made of steel—it can determine the left rear side panel is repairable, as well as the necessary materials cost and associated labor. But if the vehicle were an Audi TT Mk2 with the same level of damage, it would likely require the left rear side panel to be replaced since this model’s left rear side panel is made from aluminum. Knowing this upfront influences the workflow by triaging the vehicle to an aluminum specialist as well as the associated cost differentials.

Another example would be AI detecting a damaged headlight on a 2017 BMW 3-Series. The cost of replacement LED headlamp is around $1,700 rather than the standard model’s headlamp is $442. It’s not only the cost element impacted, but it’s also the reduced cycle time of ordering the correct parts as early as possible in the workflow to improve the overall customer journey.

While it’s exciting to highlight how AI and machine learning can enhance the claims workflow, it’s important to be aware of what happens if you get the technology and data wrong. It’s more than a financial cost—it also impacts repair quality/safety and time costs. Feeding the system with inaccurate and unproven data disrupts the learning model and produces inaccurate results. That’s why it’s essential to use a reliable, proven technology partner with immense experience in the automotive repair world.

What sets Solera apart is a wealth of global insights and data at a granular level, based on our decades of experience in the business of repairing cars and processing more than 300 million transactions annually. The power of our solutions lies in the repair data, and our hybrid approach of combining it with data science to help inform algorithms and workflows that can be implemented at a local level.

Dive deeper into the conversation by watching the full webinar What’s Next: A Deeper Dive into Digital Transformation.