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Financial Intelligence Engine:NFC Reader Introduction (for SaaS)

Last Updated:Jan 08, 2025

What is NFC Reader?

ZOLOZ NFC Reader uses the NFC function of mobile devices to decode ID chips, read the encrypted information contained in these ID chips, so as to conveniently and efficiently extract ID information.

It is applicable for a variety of scenarios such as remote identity authentication, automatic data entry, and more; effectively improving overall data processing efficiency, reducing manpower costs as well as prevent attacks i.e. imitation ID images. With NFC Reader, business security and risk control capabilities are greatly enhanced.

The UI for NFC Reader is in the following figure:

image

Figure 1: NFC Reader UI

Features

Document verification

Supports verification for document chip readability and improves overall document anti-spoofing detection capabilities.

Document readability

Reads the ID information stored on the chip quickly and accurately.

Record query

Supports a record query function in the ZOLOZ Portal, allowing users to conveniently check the NFC Reader results when carrying out business operations.

Supported document types

ZOLOZ NFC Reader supports reading the following two types of documents:

  • Standard passports with NFC chips

  • China mainland residents' permit for traveling to-and-fro Hong Kong and Macau

Accessibility modes

NFC Reader supports native App SDK accessibility modes, supporting both Native SDK and server-side API. Please refer to Native App SDK access mode for more specific accessibility process requirements.

Use flow

The use flow of NFC Reader is shown below:

Screenshot 2023-07-31 at 3.30.44 PM.png

  1. Pass in key fields

    NFC chip information reading relies on three key mandatory fields: ID number, date of birth and expiration date, which customers need to pass in in advance.

    The following methods are supported:

    • If the customer has already stored these key fields locally, call the ZOLOZ NFC Reader initialize API to pass them in directly.Picture 156png.png

    • If the customer has not stored these key fields before: please call the ZOLOZ NFC Reader initialize API and scan the ID through the local SDK OCR. The SDK will automatically scan the ID image and detect the three default fields.Picture 17.png

  1. Read ID information

    Place ID card chip against the NFC area on the back of the mobile device for reading. Keep the ID card stable during the reading process until the page shows that the reading has completed successfully.

  2. NFC Reader result

    Obtain the ID information reading result through the checkresult interface.

Use limitations

  • Mobile devices will need to support the NFC function and have it enabled to authorize NFC Reader.

  • Android and iOS systems must meet the minimum version requirements.

Advantages

Flexible services

NFC reading relies on the three key mandatory fields: ID number, date of birth, and expiration date. Customers can choose to store these key fields locally first before passing them through the ZOLOZ NFC Reader initialize API or call ZOLOZ NFC Reader initialize API and scan these three key fields, just like in actual business scenarios.

Accurate readings

After the NFC area has been identified, readings can be completed quickly with accurate results as external environmental factors will have little impact on the reading process.

High security

Compared to traditional document image recognition, NFC chip information reading has a higher level of security authentication.

Simple and easy-to-use

NFC Reader is supported with detailed integration documents, operational backend support, standardized API interfaces and SDKs, making integration simple and convenient.

Common scenarios

Remote identity authentication

In industries such as finance, insurance, life services, healthcare education, transportation and more; NFC Reader provides document capture and detection capabilities for online account opening and account creation. It can automatically recognize document information, greatly improving data processing efficiency while reducing fraud risk.

Automatic data entry

In the medical, financial, government, legal and education industries; NFC Reader can help you to complete identification and card data entries quickly, helping you to effectively reduce labor costs while improving information processing efficiency.