Customer KYC Verification for SIM Onboarding

• Head of KYC and Compliance
• Distribution and Retail Operations Head
• Fraud Control Manager
• CAF Audit Team Lead

Every new mobile connection must be verified under DoT customer verification instructions, through Aadhaar-based e-KYC or digital KYC with a live photograph and officially valid documents captured at the point of sale. Errors and fraud concentrate where volume is high and checks are thin: blurred or photocopied IDs, a live photo that is not the document holder, the same face behind several identities, and retailers who cut corners.

We build a KYC verification layer that checks each digital KYC submission before or shortly after activation. It reads the officially valid document images, extracts name, date of birth, address and document number, masking Aadhaar per UIDAI rules, and checks them against the CAF fields the retailer entered. A face-matching step compares the live photograph with the document photo, and image checks look for screen captures, photocopies and edited images. Across submissions, it looks for the same face or document behind different identities and for unusual patterns by point of sale. Clean submissions pass; those with mismatches or low confidence are queued for the KYC audit team with reasons listed.

• Extraction from passports, voter ID, driving licences, masked Aadhaar and other officially valid documents
• Cross-checks of extracted fields against CAF entries and connection-type rules
• Live photo to document photo face match, with checks for photo-of-photo and screen captures
• Duplicate detection of faces and document numbers across connections
• Point-of-sale risk view showing mismatch and rejection patterns by retailer and distributor
• Audit queue with reasons and evidence for each flagged CAF

1. 01Receive the submissionThe digital KYC submission arrives from the retailer app with the live photo, document images and CAF data.
2. 02Extract document fieldsDocument type and fields are extracted, and Aadhaar numbers are masked at ingestion.
3. 03Match face and check imagesThe live photo is compared with the document photo, and images are checked for tampering or re-capture.
4. 04Check CAF and duplicatesFields are compared with CAF entries and connection rules, and the face and document are searched against earlier submissions.
5. 05Audit flagged CAFsSubmissions with any failed or low-confidence check go to a KYC auditor, who accepts or rejects them.
6. 06Update systemsResults go to the activation system, and rejections feed the point-of-sale risk view.

1. Intake
   • Retailer app submission API
   • CAF record from the activation system
   • Document image store
2. Document and face analysis
   • Document classifier and OCR
   • Aadhaar masking at ingestion
   • Face match and image integrity models
3. Verification rules
   • CAF field consistency rules
   • Duplicate face and document index
   • Connection-type rules for prepaid, postpaid, outstation and foreign nationals
4. Review and risk
   • KYC audit queue
   • Point-of-sale risk dashboard
   • Audit trail

KYC auditors decide every flagged CAF, and no connection is deactivated or retailer penalised on the system's output alone. The compliance team reviews point-of-sale risk patterns before taking any action against a retailer or distributor.

• Retailer onboarding and digital KYC app
• Activation, provisioning and CRM systems
• CAF audit tool
• Distributor management system

• Aadhaar masked at ingestion and never stored in full
• Face data used only for verification and duplicate checks, with limited retention
• Thresholds agreed with the compliance team and logged
• No automated deactivation or penalty
• Access logs on every CAF viewed

• Designed to support DoT customer verification instructions for mobile connections; the operator remains responsible for verification decisions.
• Aadhaar is handled per UIDAI rules with numbers masked, and face data processing is designed to support DPDP Act 2023 purpose limitation and security safeguards.

• Fintech & Payments

  Selfie-to-ID Face Match and Document Tamper Checks

  Compare a live selfie with the photo on an ID, check liveness and spot edited or replayed ID images, sending borderline cases to a reviewer with highlighted evidence.

• Banking

  Account Opening Document Verification

  Check OVDs, PAN, masked Aadhaar, photographs and entity documents in an account opening file against each other and against CKYC, with mismatches routed to an officer.

• Insurance

  Tampered and Fraudulent Document Detection

  Score claim documents for signs of editing, fabrication and reuse, explain each signal, and route high-risk files to your investigation team instead of labelling anyone a fraudster.