Every year that goes by, we can access more services from our smartphone. This creates new threats to users and businesses. Today, for example, we can apply for a credit, access our medical data, control access to our vehicle … and almost everything we can imagine in the near future will be handled via a mobile phone or Alexa or Siri. In this environment, identity theft can wreak havoc of all kinds, and proper verification of online service accounts is a key element in terms of security. Therefore, these are processes that are constantly being improved.
As we know a decade ago, most websites only needed a password and email to provide services to users and make payments. A few years ago, records began to proliferate with two-step reviews, using the user’s cell phone as a backup. Today the DNI begins with the aim of reducing false profiles or fraudulent activity to a maximum.
For example, both the Rover pet care platform and the childcare specialist Yoopies conduct extensive identity verification processes that require uploading official identification documents (DNI, NIE or Passport) along with recent photos of people taken with smartphones.
We find similar cases in both political parties and social networks. The Podemos party requires its members to upload a photo of their ID so that they can vote on their internal votes. For its part, Instagram has also requested your national identification document since 2018 in order to verify your account and thus receive the blue check mark and the associated functions.
Online casinos also work hard to properly screen users, both for security reasons and because of their responsible gaming policies. In this matter, it is important that a person with gambling problems does not have the opportunity to access an online casino using the identity of a third party. A good example is the Bet Ya company and their main casino in Starvegas. Both the StarVegas voucher and the withdrawal of the services received are only accessible to registered users with their ID and also request additional documents such as an electricity bill or a letter from the finance department, which shows that the address matches that of the document provided.
For its part, the European Union has made a big leap in terms of online payment security. After several extensions on January 1st, the PSD2 directive comes into force, which forces all electronic companies to introduce reinforced authentication for payments over 30 euros. According to the new policy, 2 of the 3 following requirements are required to formalize a purchase: a device that only you have like your mobile phone or a PC with your digital signature. Information that is only in your possession as a secure password. Or a biometric confirmation like fingerprint or face recognition. The latter will undoubtedly be the key element to avoid fraud in the next decade, for which it is only necessary to further democratize access to smartphones with these functions.