Onboarding With DL Verification APIs – Introduction
Know your customer or know your client (KYC) is the foundation of many of today’s financial institutions. Some of the credentials validated as part of the KYC process include, but are not limited to:
- ID verification (driver’s license, state identification, voter identification card, etc.)
- Proof of address/residency (driver’s license, utility bill, credit card statement, etc.)
- Fingerprinting and iris recognition/scanning for biometric verification.
- Face recognition (photos/selfies)
Many financial institutions must verify customer KYC before onboarding them. Driving License Verification APIs make this process simple and reliable.
Leveraging a driving license verification API enables organizations to safely and efficiently check their customers’ credentials. All that’s required for this process are the customer’s driving license.
Businesses typically face numerous challenges during KYC verification including long turnaround times and excessive verification costs. Banks, NBFCs, and insurers rely on onboarding teams to manually collect customer KYC documents and verify the details present.
This process usually takes weeks to complete and can result in manual errors, lost documents, and ultimately customer drop-offs. DL verification and Vehicle RC verification APIs help simplify and digitize this process.
What Are Driving License Verification APIs?
Driving License Application Programming Interfaces (APIs) are simple tools with call and retrieve functions.
These APIs can be used to verify customer details or to extract information from images of a DL and then validate certain details pertaining to the DL holder.
Typically, the API takes in the Driving License number and Date of Birth (DOB) as the API request and responds with validated data including License number, Address, Name, DOB & more.
DL extraction APIs leverage OCR capabilities to extract Name, DOB, License Number, etc from the front and back of the DL and validate this data using an aggregate match algorithm.
Challenges In Driving License Verification
Driving license verification when done manually results in numerous problems that need to be addressed. The familiar issues of inconsistencies and manual errors plague DL verification as they do every paper-based KYC process.
Data extraction from driving licenses with various layouts and formats is also a serious issue. Furthermore, KYC documents are delivered to businesses via various channels such as email or WhatsApp, and in various file types such as jpg, jpeg, pdf, or tiff.
To achieve high straight through processing, this data must be extracted in a uniform format and checked against the Enterprise Resource Planning (ERP) system. This becomes a significant barrier in terms of lowering operational costs and turnaround time.
Rule-based solutions fail due to the fact that these documents have distinct templates or formats by country or even by state.
Frequently, the images are of low-resolution, slanted, and do not follow established photography practices.
Integrating with a driver’s license verification API standardizes this verification process, allowing businesses to accelerate their onboarding process.
Top Three Driving License APIs For Instant Onboarding
Document verification for Driving License Verification API functions by making a request and producing a response.
As mentioned previously, Driving License APIs can either verify data, extract data, or both verify and extract data. Here are the top three driving license verification APIs in India that businesses can leverage for quick customer KYC verification.
Driving License Verification API
This API takes the customer’s DL number and DOB as input.
The API response includes the following validate data:
- License Number
- Name
- State
- DOB
- Gender
- Permanent Address
- Place of Birth
- Expiration Date
Driving License Extraction API
This API reads the front and rear sides of the DL and extracts relevant information using OCR.
The API response includes the following extracted data:
- Name
- DOB
- License Number
- Address
- Expiration Date
Driving License Extraction & Verification API
This API also reads the two sides of the DL and extracts KYC details such as Name, DOB, Licence Number, Address & Expiration Date using OCR. Once extracted, the information is validated using standard databases.
The API response includes the following validated data:
- License Number
- Name
- State
- DOB
- Gender
- Permanent Address
- Place of Birth
- Expiration Date
Vehicle RC Verification API
This API is often used along with DL verification APIs to verify details using the customer’s vehicle registration number as the input.
The Vehicle RC verification API outputs the following validated data:
- RC Number
- Registration Date
- Owner Name
- Father Name
- Vehicle Category
- Permanent Address
- Vehicle Chassis Number
- Maker Description
- Insurance Company
- Insurance Policy Number
- Manufacturing Date
- Place of Registration
- Challan Details
Integrating with DL & Vehicle RC verification APIs has helped several businesses reduce onboarding TAT by up to 50% and cut down on documentation costs. The seamless workflows introduced by DL verification APIs have also helped businesses improve efficiency and productivity.
KYC Verification Using DL Verification APIs
Online DL verification is performed by employing an instant DL verification API, in which the user just enters the DL details or uploads a photo of the DL, and then relevant data is extracted using OCR and validated.
Driving License authentication can be accomplished by either entering the information found on the driving license or by uploading a photograph of the driving license, which is subsequently scanned using an AI-based Driving license OCR.
Here’s how the DL verification process usually takes place.
Step 1: The customer is invited via SMS or email for KYC verification
Step 2: The customer either enters their DL number & DOB or uploads images of the front & back of their DL
Step 3: Live images of the customer & DL are captured
Step 4: At the backend, OCR extracts data from the captured images and AI-powered verification algorithms verify these details against government databases
Step 5: The KYC details extracted are matched with validated data using data aggregation
Step 6: If the match percentage is great enough, DL verification is completed
This process is completed within minutes and with a high degree of accuracy, enabling businesses to onboard customers at scale.
Why Should Businesses Integrate With Driving License API?
DL APIs make the onboarding procedure quick, easy, efficient, and secure, allowing for verification without the customer’s physical presence. The digital verification procedure for any kind of authentication like driving license verification API is flexible, which promotes seamless workflows and increases efficiency.
DL Verification APIs provide the following advantages:
- Real-time secure verification
API integration allows for secure real-time verification. It eliminates the possibility of fraudulent efforts or copying someone else’s identity because it incorporates a live-video call or image-based verification process.
- Flexible Features
DL APIs can be easily incorporated into the touchpoints of any KYC verification procedure. Each verification cycle takes only a few minutes to complete and provides a safe approach to identify and validate a customer’s identification without any gaps or errors.
- Status Tracking
The service providers display precise tracking information on the applicant’s dashboard. When customers are invited for onboarding online, the KYC status of their application and transactions can all be tracked and managed on a smart dashboard.
- Easy Integration
Businesses can integrate with SignDesk’s DL verification APIs with minimal support and no third-party interference. Businesses can begin onboarding using DL APIs within days.
Scan.It: SignDesk’s API Integration Solution
According to research, 56% of developers believe APIs to aid in the development of better digital products. APIs also serve to increase the rate of innovation and total business value.
SignDesk’s APIs can be integrated with any organization’s website or application. For document verification, SignDesk offers the following APIs:
-
- PAN verification API
- Aadhaar XML creation API
- Driving License Verification API
- MSME Verification API
- Voter ID verification API
- Passport verification API
- DIN verification API
- CIN Verification API
- GSTN validation API
- Verification of Udyog Aadhaar API
- Verification of Bank Account Number API
- Vehicle RC Verification API
- UPI Verification API
- FSSAI Verification API
The whole process of issuance of driving license verification API becomes easy with the integration solutions provided by SignDesk. Our clients leveraging the driving license verification API in India have already realized a 99% reduction in TAT. Request a demo today to discover the numerous advantages we provide.