Captured source text (L5)
Step 4: Check it is a real identity and it belongs to the person claiming it
You’ll need to check that:
- the documents confirm the person’s name and date of birth
- the cryptographic features on the document match the information provided by the person, if you’re using IDVT to check the document
- the person physically matches the photo that is on, or goes with the document
- they are a real person, if you’re verifying them remotely – you’ll need to clearly see their face to compare it with the photo that is on the identity document
To lower the risk of you accepting a synthetic identity, you should ask to see additional documentation if:
- the identity documents they’ve provided do not confirm their address history for the last 12 months
- they have changed their name
If they cannot provide documentation that confirms their address history or a name change, consider whether to continue verifying their identity.
To make sure the identity belongs to a real person, you should ask to see evidence of activity you would expect. For example, you could check:
- a bank or credit card statement for recent transactions
- utility or council tax bills, sent to the person’s home address
- if their passport has been used recently or over time
- insurance policy documents that show the person’s home address
Full captured verbatim text
You’ll need to check that: - the documents confirm the person’s name and date of birth - the cryptographic features on the document match the information provided by the person, if you’re using IDVT to check the document - the person physically matches the photo that is on, or goes with the document - they are a real person, if you’re verifying them remotely – you’ll need to clearly see their face to compare it with the photo that is on the identity document To lower the risk of you accepting a synthetic identity, you should ask to see additional documentation if: - the identity documents they’ve provided do not confirm their address history for the last 12 months - they have changed their name If they cannot provide documentation that confirms their address history or a name change, consider whether to continue verifying their identity. To make sure the identity belongs to a real person, you should ask to see evidence of activity you would expect. For example, you could check: - a bank or credit card statement for recent transactions - utility or council tax bills, sent to the person’s home address - if their passport has been used recently or over time - insurance policy documents that show the person’s home address