IDFY

InfoTrack now provides an easy-to-use mobile application that allows you to verify your client’s identity from the comfort of your own office.

What is IDfy?

Verification of Identity (VOI) software

What type of technology?

Mobile app

Vendor

Infotrack

Country of origin

Australia

Similar tech products

WebVOI also by Infotrack

IDSecure by GlobalX

Property VOI by Australia Post

ZIP ID mobile verification app

Non-tech alternatives

In person interview with the practitioner

Australia Post branch in person

ZIP ID’s “we come to you” face to face interview process

More information

https://www.infotrack.com.au/products/innovative-technology/idfy-voi/

https://www.infotrack.com.au/blog/does-remote-voi-pass-the-reasonable-steps/?hilite=IDfy+security

Which practitioners would find this technology useful?

Lawyers needing to verify their clients’ identity, in particular property, mortgage and conveyancing lawyers, and anyone needing to comply with anti-money laundering (AML) requirements. In terms of e-conveyancing in Victoria, the IDfy process satisfies DELWP’s VOI obligations.

How does it work?

An email link is sent to the client to download the app free on their iphone or android phone. The app prompts them to attach or take photos of their identification documents (eg a passport and driver’s licence). The client is asked to verify the documents with an e-signature. This also provides a sample signature for the file. Once the client has completed this process, the lawyer/paralegal is notified and a copy of the uploaded information can be reviewed. Lawyers may wish to check this against other sources. From there, the lawyer/paralegal video calls the client, via the app, on their mobile and can ask any other identifying questions but must take a photo before ending the call.  The lawyer/paralegal confirms all photos match and provides their own e-signed declaration. The client can then delete the app.  Infotrack, using multi-factor authentication, provides the final VOI report to the lawyer/paralegal containing identity information, declarations, phptos, signatures and relevant metadata. This report can then be placed on the law firm’s file as a record of their “reasonable efforts” to verfify the client’s identity.

Benefits

Provided clients are comfortable with standard smart phone functions, the IDfy process is less time consuming for them than personally attending the lawyer’s office or an Australia Post branch. The process can be less time consuming for the law firm and provides a comprehensiev report without any need for file noting or other record keeping. The firm does not need its own VOI forms or templates. Finally, the process is about a quarter the cost of the in-person Australia Post process.

Risks

A fundamental risk is that sensitive client data is being converted into an electronic form and is thereafter at risk of being electronically breached. Clients should be advised of this risk before agreeing to the process. As far as the law firm is concerned, the information is no different to other sensitive data held electronically on the law firms’ servers and should be subject to the firm’s usual cybersecurity measures. In particular, as the information is contained in a single pdf, the firm should be careful with circulating the VOI report outside the firm and definitely not as an attachment via email unless it has been encrypted or password protected. A further security risk is the native data that is collected by Infotrack. Infotrack has confirmed that the data is hosted in Sydney, not offshore, and is subject to stringent security measures. However, aggregators of such important data may be targets for malicious attacks. Practitioners should make their own inquiries of Infotrack and, as with all technology service providers, seek appropraiate contractual protections and indemnifications in the terms and conditions.

A final risk is fraud.  As original documents are never viewed in person, it is easier for a person to provide fraudulent documentation such as by electronically inserting their photo on another’s ID. Such a risk has always also existed for hard copy ID material but, with the wider proliferation of photo editing software, practitioners should be alert to suspicious looking photos or documents.

Downsides

The app is likely to be more trouble than it is worth with clients who are less comfortable with using smart phones. Likewise, non-English speakers may find following the written instructions challenging.

Infotrack
Infotrack

Level 8/135 King Street, Sydney NSW 2000