Multi-layer fraud detection: passive signals, documentary verification, biometric verification and measures after user registration

Remote identity verification has become a necessity for many companies that offer digital services. The main objective of this verification is to guarantee the authenticity of the users and prevent possible fraud. In this article, we will explore different multi-layered fraud detection techniques such as passive signals, document verification, biometric verification, and post-user registration measures.

Passive signals: what are they?

Passive signals are data collected and analyzed in the background without direct user interaction. This data may include information on the device used, geographic location, browsing patterns, and user behavior, among others. These signals provide valuable clues to a user’s legitimacy and help identify potential fraudulent activity.

Importance of passive signals in multilayer fraud detection

La utilización de señales pasivas en el proceso de verificación de identidad remota permite obtener información adicional sobre el usuario sin molestar al mismo. Esto ayuda a reducir la fricción en el proceso de onboarding y mejora la experiencia del usuario. Además, las señales pasivas permiten detectar anomalías y posibles intentos de fraude basándose en el comportamiento del usuario y en la consistencia de los datos proporcionados.

Document verification: what is it?

La verificación documental es un método de autenticación que requiere que el usuario proporcione ciertos documentos de identidad. Estos documentos pueden incluir el DNI, el pasaporte u otros documentos oficiales. La verificación documental implica la comprobación de la autenticidad de estos documentos, así como la coincidencia de datos con los proporcionados por el usuario durante el proceso de registro.

Benefits of document verification in the detection of multilayer fraud

Document verification is an effective technique to detect possible fraud, since it allows verifying the authenticity of the user’s identity. By comparing the data provided by the user with that present in the documents, discrepancies and possible phishing attempts can be identified. In addition, documentary verification ensures that users comply with established legal and regulatory requirements.

What is biometric verification?

Biometric verification uses unique characteristics of the user, such as fingerprint, facial recognition or voice recognition, to verify their identity. These biometric features are difficult to forge and provide an additional layer of security in the verification process.

Advantages of biometric verification in multilayer fraud detection

Biometric verification offers greater security in multi-layered fraud detection, as it uses unique user characteristics that are difficult to replicate. By requiring the physical presence of the user during verification, identity theft is prevented and the authenticity of the person behind the device is ensured. Additionally, biometric verification provides a quick and easy user experience, eliminating the need to remember passwords or verification codes.

Post-user registration actions are additional actions taken after completing the registration process. These measures include continuous monitoring of user activity, pattern analysis, and detection of potential fraudulent behavior.

Importance of measures after user registration in the detection of multilayer fraud

Measurements after user registration allow the identification of possible fraudulent activities that may develop after the user has been verified. These measures may include detection of changes in usage patterns, unusual transactions, or unauthorized access attempts. By taking proactive steps to detect and prevent fraud, companies can protect their users and safeguard their systems against potential threats.


Multilayer fraud detection is essential for companies that offer digital services and seek to provide a secure experience for their users. To achieve this, it is necessary to implement different techniques such as passive signals, documentary verification, biometric verification and measures after user registration. These techniques provide additional security layers that make it possible to identify possible fraudulent activities and guarantee the authenticity of users in the digital onboarding process.

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