Field Collection Visit Photo Verification

• Head of Field Collections
• Area Collection Manager
• Collections Audit Lead
• Vendor Management Head

Field collection agents, whether employees or outsourced agencies, record visits in a mobile app with photos of the residence or business, receipts and sometimes the visit notice. These records drive agency payouts and recovery strategy, but managers cannot check them all, and fake or reused visit photos and visits at odd hours go unnoticed.

We build a verification service that checks every visit record submitted from your field collections app. Computer vision models assess whether each photo is a live capture rather than a photo of a screen or printout, detect near-duplicates across all past visits, and read text in the image such as shop boards, house numbers and receipt numbers. The service compares the device location with the borrower's geocoded address and the timestamp with permitted visit hours and the visit plan, and checks receipt numbers and amounts against the collection entry. Each visit receives a status with reasons, suspect visits go to the area collection manager, and agency-level patterns appear in a weekly report.

• Live-capture checks that flag photos of screens, printouts and old images
• Near-duplicate detection across all past visit photos, by agent and agency
• Location distance check against the geocoded borrower address with configurable tolerance
• Timestamp checks against permitted visit hours and visit frequency rules
• OCR of receipts, shop boards and house numbers matched with visit and collection entries
• Agency and agent pattern reports for vendor reviews, without face recognition

1. 01Receive visit recordsVisit entries with photos, device location and timestamps arrive from the field app as they sync.
2. 02Analyse the photosModels check for live capture, search for near-duplicates and read visible text and receipt details.
3. 03Check location and timeLocation is compared with the borrower's address, and time with permitted hours and visit rules.
4. 04Score the visitEach visit gets a pass, review or fail status with listed reasons.
5. 05Manager reviewArea collection managers review flagged visits, record outcomes and raise conduct cases where needed.
6. 06Report patternsAgency and agent patterns feed vendor reviews, payout checks and training.

1. Intake
   • Field app sync API or storage bucket
   • Visit plan and borrower address feed from the collections system
2. Vision models
   • Live-capture and screen-recapture classifier
   • Perceptual hashing and near-duplicate search
   • OCR for receipts and signboards
3. Rules
   • Distance check against geocoded address
   • Visit window and frequency rules
   • Receipt and collection entry matcher
4. Review
   • Manager review queue with photo evidence
   • Conduct case creation
5. Reporting
   • Agency and agent pattern dashboard
   • Payout validation export

Area collection managers review every flagged visit and decide whether it reflects a data issue, a training need or misconduct. Payout adjustments and any action against agents or agencies are decided by people under your vendor management policy.

• Field collections mobile app
• Collections management system
• Geocoding service
• Agency payout and vendor management system
• Complaint management system for conduct cases

• No face recognition of borrowers or agents; photos are checked for capture and content, not identity
• Field app guidance to photograph premises and receipts, not people
• Location tolerances set per area to allow for GPS error in dense or rural areas
• Flags are prompts for review, never automatic penalties
• Photos retained only for the period your policy sets, with access controls

• Supports the lender's oversight of recovery agents expected under RBI guidance, including conduct and timing of visits.
• Data minimisation under the DPDP Act 2023: no biometric processing and limited retention of visit photos.

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