Onboarding

Management
Datasheet
Version 2.0.0

2022 VU Inc. All rights reserved.

Onboarding Management

End of Life
Onboarding Management v2.0...

Jan-1st-2023

Jan-1st-2025

Jan-1st-2025

Jan-1st-2028

Jan-1st-2029

Jan-1st-2030

Release date

Last

New features

Fixes until

Support until

Extendedcustomer

until

support until

ship

2022 VU Inc. Todos los derechos reservados.

00

Onboarding Management

What is?

Benefits

Onboarding Management® is responsible forvalidating people's identities to prevent identity
theft.

It prevents the fraudulent use of a person's private
information, authenticating their identity remotely,
by analyzing their ID and biometric face, voice, andfingerprint verification.

It offers more secure methods of user registration
and authentication, as a person's biometric datacannot be shared, and it is less vulnerable to social
engineering attacks. In addition, the biometricuniqueness of each user mitigates the chances ofsuccess in cases of fraud due to massive brute
force attacks.

Onboarding Management® technology simplifies
the user enrollment and authentication experience
with credentials that do not need to beremembered, retrieved, or managed.

• It remotely validates identity with active and passive
proof-of-life tests and anti-spoofing filters.

• It favors inclusion by increasing the conversion ofusers in remote locations.

• It automatically generates an identity score, withconfigurable thresholds.

• It lowers transaction costs for the client.

• It complies with the requirements of banking andtransactional regulatory bodies.

• It allows the integration of proof-of-life tests in any
digital channel (ChatBot, WhatsApp, Mobile App, Web,among others).

• It is a complete and scalable software solution thatcan be easily integrated into any digital system.

• It manages the life cycle of citizens during thedigital transformation process.

Modular solution
Onboarding Management® is customizable and modular, so each client can select the functionalities theywant to incorporate at each stage of their client's registration process, adapting it to their business model.

It has two main modules: ID + Face®. These modules constitute the standard version of the product, which
can also be complemented with the Voice® and Touch® modules, depending on the type of onboarding
process that you want to implement.

2022 VU Inc. All rights reserved.

01

Onboarding Management

Modules
ID + Face® authenticates the identity of people
remotely, through the analysis of their ID and facial
biometrics.

Voice® authenticates the identity of people
remotely, through voice identification.

Touch® authenticates the identity of people
remotely, through fingerprint recognition.

2022 VU Inc. All rights reserved.

02

ID + Face

Onboarding Management
Datasheet
Version 2.0.0

2022 VU Inc. All rights reserved.

Onboarding Management

What is?

Benefits

ID+Face® modules are the main components of
Onboarding Management® and allow remotely
authenticating people's identities by reading theirIDs and taking some selfies.

It provides the ability to manage people's identity ina secure, scalable, and easy-to-maintain way, in
addition to running in any environment and throughany selected channel (ChatBot, WhatsApp, mobile
application, Web, among others).

The ID+Face® module offers flexible user
registration and authentication options that comply
with security parameters set by different countries
while providing a frictionless and optimized user
experience.

It can be used on any device with a camera
It is customizable and modular, which allows
each client to select which features they want toincorporate at each stage of the onboarding
process, adapting it to each business model
It carries out user authentication processes by
evaluating unique facial characteristics:
distances, depth, shape, colors, and skin layers,among others
Its features can be incorporated into existing
applications without the need to create a newone
Liveness detection to verify that the captured
face corresponds to that of a living person
through the dynamic execution of a series ofguided gestures in front of the device's camera
It offers different integration options withapplications, web portals, and chatbots.

Outstanding use cases
Remote and secure registration of bank accounts and credit cards.
Check-in at hotels and airlines.
Prevention of registration with forged identity documents.
Validation of nominated voting and decision-making processes.
Citizen and user registration.
Transaction payment.
Unlock home banking accounts.
Patient identification and registration.
2022 VU Inc. All rights reserved.

04

Onboarding Management

Logical functional diagram

Integration with government agencies

Our product has integration methods with government agencies from different countries that allow us tovalidate aspects of citizen identity reliably and securely.

Focus on the user experience
At VU Security® we know that providing simple, intuitive, and secure experiences improve the reputation of
institutions and increase the perception of trust by citizens towards the organizations with which they must
interact. That is why our focus is on constantly analyzing the user experience, proposing new functionalities,
and designing solutions customized to their needs.

2022 VU Inc. All rights reserved.

05

Onboarding Management

Onboarding flexibilization
The onboarding process can be carried out with any ID by configuring the data to extract from it (OCR, MRZ,
and PDF417) and setting the validation flows required for each case

Template based

It offers the possibility of performing the onboarding process with different types of IDs using a series oftemplates developed and integrated into the document processor*.

Template-less

It offers the possibility of performing the onboarding process with any type of IDs, regardless of whether or notit has an integrated template.
 UI Options

The solution offers different options to integrate with apps, web portals and chatbots.

• Mobile SDK• Web ID

• Message ID• API*Document processor: service that processes the user's ID and extracts the necessary information to validate
its legitimacy.
2022 VU Inc. All rights reserved.

06

Onboarding Management

ID+Face SDK
VU Security® offers the possibility of integrating this functionality into any existing application. Our ID+Face®
SDK has all the necessary methods to ensure the following features:

MRZ reading

It automatically checks the data of the document.

OCR data extraction

It verifies and extracts data from any ID or credit card that contains OCR.

Barcode reading

It scans and decodes the information stored in the ID's barcode.

ID front and back capture

It gets and compares the front and back of the document for more accurate verification.

Selfie and life detection

It prevents identity theft by recognizing the person's presence on camera.

Antispoofing

It compares the person's face with the photos in the document to see if there are any inconsistencies.

ID normalizer

It reframes the ID image for better processing and verifies the presence of the photo and barcode.

Document type identification

Through an AI, it recognizes the type of document (with or without template) and detects any sign of forgery.

Government check

Verifica y contrasta la información del documento con los organismos gubernamentales.

Device geolocation

It recognizes unusual operations that may involve identity theft cases.

2022 VU Inc. All rights reserved.

07

Onboarding Management
The SDK is delivered with a set of sample screens and features that allow the creation of a customized user
experience. They reproduce the necessary conditions to preserve the security and integrity of the product, as
well as to facilitate the transfer to the real implementation scenario.
SDK integration

Technology
Base de datos

DeliverySDK + Example

iOS

Versión
Java PostgreSQL 9 o superior (se recomienda versión 11)
Swift

Web

Versión MS SQL 2019

Javascripto superior

SDK + Example

AndroidHybrid Cordova, Ionic,

React Native, Flutter

Javascript, Dart & TypeScript

They make use of Native SDK

2022 VU Inc. All rights reserved.

SDK + Example

SDK + Example

08

Onboarding Management

Integration API
It is possible to implement it in any environment because it is cross-platform and provides an extensive
integration capacity.

The application consists of different methods, with functions that allow end-user management. The
communication between the visible layers and the product's server is through SSL connections over TCP 443
port.

It is designed to be integrated with any platform, regardless of the language used, via web services (POST/
GET) published by ID+Face®.

The methods available allow toRegister and authenticate user
Block and unblock user
Monitor the application and the database
Remove user
Manage and store user transactions

Digital client file
It generates a digital client file that includes the entire life cycle, the information of all the successfully carriedout operations, and the seflies, without the need to use any intermediary software.

Case manager customization
It produces a paginated index via API REST containing all the user's operations, their status, the different
scores obtained, and which ID elements were successfully read or not, capable of being integrated into any
internal tool.

2022 VU Inc. All rights reserved.

09

Onboarding Management

Face detection & verification engine
VU Face Engine® compares faces within the captured images to verify the user's identity with a high degree of
accuracy. Since it was developed by VU, it integrates more organically with their products and allows to
perform tasks like face detection, cropping, and aligning without the need to license other engines.

Asynchronous onboarding
It sends notifications every time an operation status changes, regardless of any process interruptions, thanks
to a WebHook incorporated between the events.
It is carried out using REST methods, always using a secure SSL channel(port 443).

Queries must be made exclusively via a private api-key.
Image management recommendation• Format: JPG• Minimum size: 2 to 5 megapixels• Minimum resolution: 600 x 720 pixels

2022 VU Inc. All rights reserved.

10

Onboarding Management

Technical information
Hardware and software requirements

Database

Operative
systemVersión
PostgreSQL 9 or superior
MS SQL 2019 or
superior (*) (**)

Centos/Redhat

7.9 (*)
Ubuntu LTS (*)

Java

Devicescompatibility (SDK)

Tomcat 9.31

or superior (*)

11+

iOS 11 or superior
Android 5 orsuperior

Jboss 7.11 or superior

MySQL

Windows
Server 2019

AppServerOracle 19.0.0(*) Recommended(**) Supplied in the installation packages.

er er components

S v

sers

U

250.000
500.000
1.000.000
2.000.000+2.000.000

ransactions per Cores
seconds

T

8

16
32
64

2
4
8

16

AM

R

Storage08
120 GB
16240 GB32
480 GB
Consult our team4

6 GB

stimatedmonthly storage
E

25 GB
50 GB
100 GB
200 GBThe calculations estimate habitual instances of the product. We suggest using it with the same characteristics as the onespresented for high availability configurations.

2022 VU Inc. All rights reserved.

11

Onboarding Management

SupportSupport level
VU will provide level 3 support.

Support includes a set of technologies and rights to help the customer maximize the investment made in VU
licenses.

To contact VU Support, please send an email to: customer.support@vusecurity.com

As soon as your email is received, you will be automatically assigned a case and you will receive all the news
related to your case in the same email thread.

If you want to add recipients, put them on a copy. Put Subject: [Name of the client] [Criticality] [Title of the
problem].
Support cases are dealt with from Monday to Friday from 9 a.m. to 6 p.m.
(Argentina).

2022 VU Inc. All rights reserved.

12

Onboarding Management

Contact

Other VU Security products
Our solutions offer a 360° experience, each contributing an essential aspect to the security strategy of bothusers and organizations.

Authentication Management:
Serve
SDK
App

Fraud & AML:
Fraud Analysis
Device Fingerprint

CIAM / IAM

If you need more information or want to schedule a demo of thissolution, please write to us at: sales@vusecurity.com

2022 VU Inc. All rights reserved.

13

VoiceOnboarding Management
Datasheet
Version 2.0.0

2022 VU Inc. All rights reserved.

Onboarding Management

What is?

Benefits

Voice® is an Onboarding Management® modulethat allows you to identify people through theunique characteristics of their voice, such as tone,
cadence, and volume.

Once implemented and integrated with thecompany's system, Voice® generates countlessrandom phrases that the user will use to register.

Voice® takes dynamic data from the platform(such as date, username, ID, number oftransactions, etc.) as a reference to generate aunique phrase that the user must repeat out loud toauthenticate any transaction.

Authentication can be given by telephone, via theInternet, via WhatsApp, or in person at a selfconsultation terminal.

It is hard to spoof and generally more convenient
since it doesn't require remembering complex
passwords
It creates a unique Voiceprint based on the user's
voice patterns
It guarantees that the person who accesses a
system or service is who they say they are, they
are alive, and have the means to identify
themselves
It does not require the sharing of personal
information or credit card numbers to verify the
person's identity
It allows choosing a unique identification phrase
by repeating it in various ways to recognize theperson's voice pattern
It creates a more flexible and conversational user
experience, simplifying the user flow andreducing the time it takes to verify their identity.

Outstanding use cases
Replacement of other biometric factors for identity authentication
Simplification of registration on the web or mobile applications for older people
Registration and access to the web or mobile applications for blind people
Proof of life from remote places
Substitution of credit card telephone validation.

2022 VU Inc. All rights reserved.

15

Onboarding Management

Registration and authentication process
User registration

The registration process asks the user to enter from 1 to 10 audios to generate their password (keyword orphrase), which can be customized or defined by default by the system configuration
The amount of audio required is configurable
If Voice® is integrated with ID+Face®, this process will also create a user in that module
The base64-encoded customer voiceprint is generated and stored in the database.

Static user authentication

Every time a user attempts to access the system (within the app, IVR, etc.), they are prompted to repeat out
loud the passphrase entered during registration to authenticate the transaction
The entered word is compared to the user's voiceprint stored in the database
Voice API returns a value that represents the percentage of similarity between the two audios
The required percentage for successful authentication is configurable and can be between 0 and 1, where 1
is 100%If the biometric characteristics of both audios reach or exceed the required percentage of similarity, theuser's identity is authenticated. If they do not pass it, it is rejected.

User authentication by challeng
Every time a user attempts to access the system (within the app, IVR, etc.), they are prompted to enter agroup of random words, as part of a verbal challenge
The entered words are compared to the user's voiceprint stored in the database
Voice API returns a value that represents the percentage of similarity between the two audios.
The required percentage for successful authentication is configurable and can be between 0 and 1, where 1
is 100%If the biometric characteristics of both audios reach or exceed the required percentage of similarity, theuser's identity is authenticated. If they do not pass it, it is rejected.

2022 VU Inc. All rights reserved.

16

Onboarding Management

Logical functional diagram
No server integration

With Server integration

2022 VU Inc. All rights reserved.

17

Onboarding Management

Focus on the user experience
At VU Security® we know that providing simple, intuitive, and secure experiences improve the reputation of
institutions and increase the perception of trust by citizens towards the organizations with which they must
interact. That is why our focus is on constantly analyzing the user experience, proposing new functionalities,
and designing solutions customized to their needs.

Customer journey

Welcome!

Say: Use my voice to

get access

Say:  Your full nameIdentity

checked!

New userregistration

Voicepattern validation

Biometric

identification (voice)

Results2022 VU Inc. All rights reserved.

18

Onboarding Management

Voice SDKVU Security® offers the possibility of integrating this functionality into any existing application. Our Voice®
SDK has all the necessary methods to ensure the following features:

Configurable passphrase It sends 1-10 audios to the API to register the user.

Biometric login It checks the biometric consistency of the user's audio with the passphrase.

Authentication by challenge

It generates a (configurable) number of words or phrases, as a challenge, that the user must repeat.

Anti-spoofing

It uses Deep Learning to detect potential identity theft threats by saying the passphrase.

Voiceprint updates

Updates the user's biometric registration, adding new Base64-encoded audios.

Proof of life

Anti-spoofing algorithms that identify the use of spoofing artifacts and accurately determine the liveliness ofthe voice.

Integration API
The application consists of different methods, with functions that allow end-user management. The
communication between the visible layers and the product's server is through SSL connections over TCP 443
port.

Voice® can be implemented in any environment (telephone, internet, messaging, or self-service terminals),
integrating public and private methods that allow toRegister and authenticate user
Block and unblock user
Monitor the application and the database
Logically remove users (soft-delete
Physically remove users (hard-delete)
Manage and store user transactions
2022 VU Inc. All rights reserved.

19

Onboarding Management(*) The user must be previously deleted logically, using thesoftDeleteUser() method.
Engines
Voice Verification: Internal REST API developed in Python, served by Flask
Antispoofing: Internal REST API developed in Python, served by Flask
Azure speech: Microsoft API REST.

Audio management recommendation

Format: WAV. 16 Bits PCM
Sample rate: 8,000 Hz for the phone channel and 16,000 Hz for WhatsApp.
Duration: between 4,500ms and 15,000m
Coding: audio files in Base64

Technical information
Hardware and software requirements

Operative
systemCentos/Redhat

7.9 (*)
Ubuntu LTS (*)
Windows
Server 2019

Database
Versión
PostgreSQL 9 or superior
MS SQL 2019 or
superior (*) (**)

ppServerA

Tomcat 9.
or superior (*)
31

boss 7.11 or superior

J

J

ava

Devicescompatibility (SDK)

1.8

iOS 11 or superior
Android 5 orsuperior

Oracle 19.0.0(*) Recommended(**) LTS versions are recommended2022 VU Inc. All rights reserved.

20

Onboarding Management
Server components

Users

BS storage

Transactions
per seconds

1 a 100.000
200.000
300.000
400.000
500.000 +65 GB
130 GB
200 GB260 GB
325 GB

8
16
36
64
128

Cores RAM
2
4
8
16
32

4
8
16
32
64

System storage
60 GB
80 GB
100 GB
120 GB
140 GBThe calculations estimate habitual instances of the product. We suggest using it with the same characteristics as the onespresented for high availability configurations.

2022 VU Inc. All rights reserved.

21

Onboarding Management

SupportSupport level
VU will provide level 3 support.

Support includes a set of technologies and rights to help the customer maximize the investment made in VU
licenses.

To contact VU Support, please send an email to: customer.support@vusecurity.com

As soon as your email is received, you will be automatically assigned a case and you will receive all the news
related to your case in the same email thread.

If you want to add recipients, put them on a copy. Put Subject: [Name of the client] [Criticality] [Title of the
problem].
Support cases are dealt with from Monday to Friday from 9 a.m. to 6 p.m.
(Argentina).

2022 VU Inc. All rights reserved.

22

Onboarding Management

Contact

Other VU Security products
Our solutions offer a 360° experience, each contributing an essential aspect to the security strategy of bothusers and organizations.

Authentication Management:
Serve
SDK
App

Fraud & AML:
Fraud Analysis
Device Fingerprint

CIAM / IAM

If you need more information or want to schedule a demo of thissolution, please write to us at: sales@vusecurity.com

2022 VU Inc. All rights reserved.

23

TouchOnboarding Management
Datasheet
Version 2.0.0

2022 VU Inc. All rights reserved.

Onboarding Management

What is?

Benefits

Touch® is an Onboarding Management® modulethat allows remote authentication of people's
identities by recognizing any of their fingerprints.

It is designed to be able to integrate with anyother platform, regardless of the language used.

In order to carry out the identification, the person
enters their fingerprint using a fingerprint reader
device. The sample is compared with the sample
submitted during enrollment and with thevalidations provided by government entities. If thefingerprints match, then the person's identity isauthenticated.

It offers fast, easy, and non-invasive login
methods

It consists of three different methods: registration,
identification, and validation of fingerprints bygovernment entities, and it can work as part ofmulti-factor authentication (MFA), facilitating theuser experience.

It allows configuring the fingerprint of which
finger the user will be asked to approve theregistration and authentication process

It can be hosted on a server segment with a
traditional local network setup and accessedfrom the Internet or Intranet
Government entities report asynchronously on the
result of the operation
Transactional logs are saved in the database
It is ready to be used with Docker.

Outstanding use cases
Prevention of enrollment with forged identity documents
Citizen enrollment and biometric passports
Student and employee attendance control.
Unblocking of home banking accounts, for wallets and digital devices
Digital document signature or virtual payment confirmation.

2022 VU Inc. All rights reserved.

25

Onboarding Management

Fingerprint registration and authentication process
The user repeatedly puts one of their fingers on the fingerprint sensor until the fingerprint is registered
The system checks if the user already exists. In case it is a new user, it associates the fingerprints to thatuser and stores them in the database
If the user is already in the system, it checks if the fingerprint matches the one stored in the database. Incase the biometric characteristics of both fingerprints do not match, the user's identity is not authenticatedAsynchronously, it performs a validation with the corresponding government entities, to define whether theoperation is approved or not
A record of the operation is created in a separate file, regardless of the success or failure condition.

Logical functional diagram
Without government integration
Agent
Development
Layer, REST
Integration

Data Base

2022 VU Inc. All rights reserved.

26

Onboarding Management

With government integration

Agent
Development
Layer, REST
Integration

Data Base

It is carried out using REST methods, always using a secure SSL channel(port 443).

Queries must be made exclusively via a private api-key.

Integration with government agencies
Our product has integration methods with government agencies from different countries that allow us tovalidate aspects of citizen identity reliably and securely.

2022 VU Inc. All rights reserved.

27

Onboarding Management

Touch SDKVU Security® offers the possibility to integrate this functionality into any existing application. Our Touch® SDK
has all the necessary methods to ensure the following features:Fingerprint registration and reading

Fingerprint-based user registration and authentication.

Terms and Conditions Acceptance

It can consult the system about the latest version of the T&C accepted by the user.

Government check

Verifies and contrasts the fingerprint with the information provided by government agencies.

Sign up with any fingerprint

Fingerprints for the registration and authentication process are configurable.

Access logs

It saves one access log of one line for each transaction made in the system.

Asynchronous validation

Government entities report results asynchronously.

Integration API
The application consists of different methods, with functions that allow end-user management. The
communication between the visible layers and the product's server is through SSL connections over TCP 443
port.

Touch® can be implemented in any environment (cellphones or self-service terminals), integrating public andprivate methods that allow toRegister and authenticate user
Block and unblock user
Monitor the application and the database
Check existing user
Manage and store user transactions
2022 VU Inc. All rights reserved.

28

Onboarding Management

Homologated fingerprints
A fingerprint scanner is an optical electronic device that is used to capture images of people's fingerprints.

VU Security® approved devices are
Lumidigm v311
U.areU 4500

The devices must support the following technologies to ensure fingerprint storage and sharing
WSQ (the standard used by the FBI)ANSI 378
ISO 19794-2

Fingerprints management recommendation
Format: JPG
Coding: image files in base64
Encryption: AES-256

2022 VU Inc. All rights reserved.

29

Onboarding Management

Technical information

Hardware and software requirements
Database

Operative
systemVersión
PostgreSQL 9 or superior
MS SQL 2019 or
superior (*) (**)

Centos/Redhat

7.9 (*)
Ubuntu LTS (*)
Windows
Server 2019

AppServerJava

Devicescompatibility (SDK)

Tomcat 9.31

or superior (*)

1.8

iOS 11 or superior
Android 5 orsuperior

Jboss 7.11 or superior

Oracle 19.0.0(*) Recommended(**) LTS versions are recommended

erver components

S

sers

U

1 to 100.000
200.000
300.000
400.000
500.000 +B

S storage
5
130 GB
200 GB260 GB
325 GB
6 GB

ransactions
per second

T

8
16
36
64

128

ores

C

2
4

8
16
32

AM

R

4

8
16
32
64

System storage
0
80 GB
100 GB
120 GB
140 GB
6 GB

The calculations estimate habitual instances of the product. We suggest using it with the same characteristics as the onespresented for high availability configurations.

2022 VU Inc. All rights reserved.

30

Onboarding Management

SupportSupport level
VU will provide level 3 support.

Support includes a set of technologies and rights to help the customer maximize the investment made in VU
licenses.

To contact VU Support, please send an email to: customer.support@vusecurity.com

As soon as your email is received, you will be automatically assigned a case and you will receive all the news
related to your case in the same email thread.

If you want to add recipients, put them on a copy. Put Subject: [Name of the client] [Criticality] [Title of the
problem].
Support cases are dealt with from Monday to Friday from 9 a.m. to 6 p.m.
(Argentina).

2022 VU Inc. All rights reserved.

31

Onboarding Management

Contact

Other VU Security products
Our solutions offer a 360° experience, each contributing an essential aspect to the security strategy of bothusers and organizations.

Authentication Management:
Serve
SDK
App

Fraud & AML:
Fraud Analysis
Device Fingerprint

CIAM / IAM

If you need more information or want to schedule a demo of thissolution, please write to us at: sales@vusecurity.com

2022 VU Inc. All rights reserved.

32

About VU

VU is a global cybersecurity company, specializing in identity protection and fraud
prevention. It develops modular solutions, easy to integrate, and adaptable to both
corporate and government environments.

To achieve this, VU uses innovative technologies based on the combination of
traditional cybersecurity controls, biometrics, geolocation, artificial intelligence,machine learning, document recognition, and user behavior analysis.

More than 350 million people around the world and 130 clients in 30 countries in
Latin America, Europe, and the United States use VU technology to digitize theirbusinesses and increase the level of operations, reducing the risks of attacks andloss of information.

Its strategic alliances with Microsoft, Telefónica, IBM, BGH, Intel, Cisco, and
Accenture, among other companies, help VU fulfill its mission: to build secure andfrictionless experiences that improve the quality of life of citizens and organizations.

vusecurity.com

2022 VU Inc. All rights reserved.