AI-Based Age Verification: What Role Can AI Play to Prevent Scams?

Artificial intelligence allows computers to make decisions that resemble those of humans and automates a certain task. It enables commonplace technology like age verification software, self-driving automobiles, and search engines. The technology is also used to authenticate consumer identities and prevent fraud.

In March 2020, the Cam4 data breach exposed more than 10 billion data records, making it the greatest documented data leak as of August 2022. In 2013, Yahoo experienced the second-largest data breach in history. After an inquiry, the business revised its estimate, saying that three billion accounts were affected instead of the previous estimate of one billion exposed data records.

We continue to be astounded by the advances in artificial intelligence (AI). Applications for AI are becoming more complex as technology advances and moves closer to its ultimate goal of emulating the learning process in the human brain. Long processes, intricate operations, and data-intensive decision-making issues are gradually being changed by AI-based automated frameworks that attempt to learn from the gathered data they are presented with in order to ultimately generate outputs that match or complement what the top management is attempting to accomplish. In the digital age, where tools can be used to counterfeit various personal attributes to enable unauthorized access to age-restricted goods, websites, services, etc., it is imperative to attempt to confirm a person's age without using an official document.

Definition of Biometric Age Verification

The process of bringing in new clients to be able to utilize the services of an organization or a business is known as digital onboarding. Governmental services, financial and banking services, healthcare organizations, and websites that sell products and distribute content are just a few examples. To put it simply, digital onboarding takes the place of physically presenting documents to obtain access credentials. The process is more crucial now that the dark web is present since anyone may easily access firearms and other dangerous and unlawful equipment.

A new method that uses distinctive human traits to authenticate a person has his age verified. The most prevalent characteristics currently utilized to correctly authenticate an individual's identity are fingerprints and facial features. Nowadays, unlocking a smart gadget or even gaining access to one's own account without a password is possible thanks to face recognition technology. To verify age, the same collection of facial traits or a different set can be employed.

Reliability of AI Aging

The characteristics of the algorithms used determine Aging AI's accuracy. In general, there are numerous possible issues with how AI algorithms adapt to the training data that are presented to them. Bias, overfitting, and underfitting are issues that frequently arise in AI circles. It's crucial to collect the right amount of characteristics in order to provide a reliable age estimate. Humans age differently than other animals do. While some people age quickly, others age far more slowly. If the Artificial intelligence system is the only source used to estimate the user's age, this is quite problematic. Additionally, 3D representations can be created to trick the AI algorithm, much as facial detection security mechanisms.

In conclusion, a number of factors influence how accurate aging algorithms are. Although age estimation errors can be reduced by adjusting the algorithm's parameters and hyperparameters, some elements are outside the algorithm's control. The official documentation is required as a follow-up to the results of the AI algorithm.

Working and Explanation of AI Age Estimators

An important part of artificial intelligence-based age estimation is deep neural networks. In order to extract and relate all the data from the face features and arrive at the best judgments, it is crucial that there are multiple layers present in a neural network. AI age verification estimators employ a two-step process that includes document validation and facial recognition. 

To guarantee no image or recorded video footage is being used to trick the system, the face recognition system initially looks for liveness. The AI program would provide the user with a variety of ages. As an additional security measure, age estimation can sometimes be supported by digital document verification. When the AI age estimator returns an output age range with a wide range, the second step is required.

Guidelines for Age Verification

Age-restricted industries, including lottery, internet browsing, wine and spirits, cigarettes, social media, wireless, and others, are not immune to the dangers of fraud and identity theft. Additionally, determining a customer's age alone will not be sufficient anymore as this dynamic sector develops. 

To assist in preserving client privacy, meet compliance requirements, and stop fraud, a minimum age requirement must be established in conjunction with a greater understanding of identity validation and fraud trends. The following principles should be kept in mind while you develop your AI software to verify age:

Scam Prevention Analytics

Apply a comprehensive set of scam prevention analytics on that returned identity to check for minimum age criteria and possibly criminal actions in order to reduce risk and loss.

Transaction Decision

You can now decide whether to accept or reject the transaction based on the findings and the business standards of your firm.

Age Checks Platform

To execute an analytical analysis on billions of reliable data sources and produce a result, including any identification conflicts it finds, use an age checks platform in conjunction with a strong identity solution.

Basic User Data

Obtain basic user data like name and address. You should continue to be able to gather social security numbers or dates of birth.

Importance of COPPA

The scam landscape is still changing and evolving. It is crucial that you can quickly make adjustments to your business procedures and standards throughout your AI verification system in order to keep one step ahead of fraudsters and continue to adhere to the requirements outlined in the Children Online Privacy Protection Act (COPPA). In order to examine whether a person satisfies the organization's business and compliance laws, it's crucial to look beyond a person's age and learn more about their identity and possible scam indications.

Conclusion

To guarantee that the services are provided to the targeted group of customers, identification and age verification are crucial. Like every AI algorithm, getting extremely high accuracy levels depends on how it is tweaked and how it handles the training data that is given to it. Having said that, authentic IDs are required to offset any bias or inaccuracy introduced by the AI-based approach.