# Architecture and Components ### 🏗️ KYC Architecture and Components #### 📊 KYC Architecture Diagram ![](https://1453876250-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRr3zB0xucM3fgCViuJqz%2Fuploads%2FRxD9N3Cd5nkof5O13QKC%2Focr2.jpg?alt=media\&token=a3670168-5ab7-4620-9240-cabc59375c24) *** #### 🏛️ KYC Architecture and Components The KYC (Know Your Customer) system is a modular platform for automated identity verification based on uploaded document images, selfies, and other sources. The system architecture flexibly adapts to various business scenarios and requirements — from banking and fintech to marketplaces and government services. **Supported scenarios:** * **Document** — the user uploads a photo of a passport, ID card, or other identification document. * **Selfie with document** — verifying the match between the user's face and the document photo. * **Selfie** — verification using a single face image. * **Liveness check** — confirming that a live person is in front of the camera, not a photo or forgery. * **Combined scenarios** — e.g., document + selfie with document + liveness. **Component purpose:** Each KYC component is responsible for a specific stage of processing and verification: * **Document image processing**: detection, alignment, classification, and segmentation of the document into fields (photo, name, dates, etc.). * **Text recognition (OCR)**: extracting data and validating checksums. * **Face image analysis**: comparing the face to the document photo, estimating age and gender. * **Anti‑fraud mechanisms**: detecting photocopies, screenshots, Photoshop edits, screen captures, physical wear. * **Liveness check**: detecting whether a living person is in front of the camera. * **External database integrations**: checking the document and user against police, bailiff, and blacklist databases. * **Decision Engine**: the final stage, where all results are aggregated and a final decision is formed: “Approved”, “Rejected”, or “Manual review required”. Thus, the KYC architecture is built around a set of independent, scalable, and interconnected modules that allow it to quickly adapt to any verification scenario. *** ## 🗂️ Architecture and Module Interaction Text diagram of the typical DOCUMENT + SELFIE WITH DOCUMENT workflow
Text diagram of the typical DOCUMENT + SELFIE WITH DOCUMENT workflow ``` User sends images (document + selfie with document) via WebSDK/API | v +---------------+ | API Gateway | +-------+-------+ | +--------------+-------------+-------------+-------------+ | | | | | v v v v v +------------+ +-------------+ +----------------+ +----------------+ | Document | | Selfie | | Liveness Check | | External | | Detector | | Detector | | | | Databases | |(doc image) | |(selfie+doc) | | | | (police, etc.) | +-------+----+ +-------+-----+ +-----------+----+ +-----------+----+ | | | | v v | | +-----------------+ +-------------------+ | | |Quality Check | |Selfie Verification| | | |(format, size, | | - Face Matching | | | | lighting, align)| | - Gender, age | | | +-------+---------+ | - Doc detector | | | | | | | | v | | | | +-----------------+ +---------+---------+ | | |Document Type | | | | |Classification | | | | +-------+---------+ | | | | | | | +-----------+ | | | | | | | | v v v v v +-------------+ +-----------------+ +---------------+ +--------------+ |Segmentation | |Antifraud Checks | |Liveness Result| |External Check| |(fields, doc | |(screens, copies,| | | |Results | |photo, stamp)| | editors, wear, | +--------+------+ +-------+------+ +-----+-------+ | logic) | | | | +-----------------+ | | v | | +-------------+ | | | OCR | | | |(text, MRZ, | | | |tampering) | | | +-----+-------+ | | | | | +-------------+------------------------+----------------+ | v +----------------+ | Decision Engine| | (Final Decision)| +--------+-------+ | v +--------------+ | Result | | (Approved / | | Rejected / | |Manual Review)| +------+-------+ | v +--------------+ | API Gateway | +-------+------+ | v User ```
*** ### 1. Document Detector Responsible for detecting the presence of a document in the image, validating quality, and preparing it for further processing. **Functions:** * File format validation (JPEG, PNG) * Image size and resolution check * Lighting and shadow check * Document alignment and normalization *** ### 2. Selfie with Document Detector Responsible for verifying the selfie with document, matching identity, and detecting fraud attempts. **Functions:** * Face Matching between selfie and document photo * Age and gender consistency check * Detection of screen images (photo of a monitor/phone) * Detection of graphic editor traces * Detection of photocopies/prints * Document detection in selfie and document type identification *** ### 3. Liveness Check Responsible for confirming that a live human is in front of the camera. The module analyzes face behavior, skin texture, micro‑movements, and signs of real presence. **Functions:** * Analysis of image sequences or video for liveness signals * Rejection of photos or screen captures * **Deepfake detection** — identifying manipulated or AI‑generated face images * **Detection of fully synthetic images** (GAN/Stable Diffusion/FaceApp etc.) *** ### 4. External Database Verification Responsible for checking the user against official registries, government databases, financial datasets, and sanctions lists. **Functions include:** * **Document & identity checks** * Passport validity check * Driver license verification * Passport validity checks (number verification, lost/stolen database) * **Debts & financial checks** * Court Enforcement Office debt search * IRS/ HMRC tax liabilities * Self-employment tax status (IRS Schedule SE / HMRC Self Assessment) * Credit bureau score (Equifax / Experian / TransUnion) * Short-term loan default risk score * Mortgage and lien records search * Phone number activity & carrier history * Name-to-phone reverse lookup validation * **Legal and judicial checks** * U.S. Bankruptcy Register / UK Insolvency Register * Commercial court cases (UK: High Court / US: Commercial Division) * Civil and criminal court cases * Register of company directors (Companies House / SEC records) * Corporate affiliation records (SEC/Companies House) * Wanted lists: FBI / U.S. Marshals Service / HM Prison & Probation Service * **Identity data checks** * Social Security Number (SSN) ↔ full name validation * Taxpayer Identification Number (TIN) lookup by name & ID * Email ↔ Full name correspondence check * Phone number ownership check * **Sanctions & restrictions** * Terrorist lists * Sanctions lists (EU, UK, OFAC, UN) * Frozen business accounts (IRS/OFAC compliance) * Foreign Agents Registration Act (FARA) register * Child support debtors (Federal Office of Child Support Enforcement) *** ### 5. Document Classification & Segmentation Responsible for determining the document type and extracting important regions. **Functions:** * Document type classification (passport, driver license, ID card, etc.) * Segmentation into fields (photo, text areas, stamps, signatures) *** ### 6. OCR & Field Verification Recognizes the text and validates authenticity. **Functions:** * OCR text extraction * Detection of tampering (inserted/replaced fields) * MRZ checksum verification *** ### 7. Document Antifraud Checks Responsible for identifying attempts to forge or alter the document. **Functions:** * Detection of screen images * Detection of photocopies/printed documents * Graphic editor manipulation detection * Document wear/damage detection * Logical consistency validation (dates, numbers, series) *** ### 8. Decision Engine Aggregates all results and produces the final KYC decision. **Functions:** * Collecting outputs from all modules * Producing final status: “Approved”, “Rejected”, “Manual review” * Returning error codes and diagnostic descriptions ***