7.2 Transaction Authentication

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Step-Up Authentication with Liveness

For high-value or high-risk transactions, liveness verification serves as a step-up authentication factor.

graph TD
    A["Customer initiates<br>transaction"] --> B{"Transaction<br>risk level?"}
    B -->|"Low (< $1K)"| C["Standard auth<br>(PIN/OTP)"]
    B -->|"Medium ($1K-50K)"| D["Passive liveness<br>(single selfie)"]
    B -->|"High (> $50K)"| E["Active liveness<br>(challenges +<br>deepfake detection)"]
    B -->|"Critical (> $500K)"| F["Full liveness +<br>manual approval"]

Transaction Type	Liveness Requirement	Threshold
Internal transfer < $1,000	None (standard auth)	—
External transfer $1K-$50K	Passive liveness	0.80
Wire transfer > $50K	Active + passive	0.90
Beneficiary change	Active liveness	0.85
Large loan disbursement	Full hybrid + deepfake	0.92

Next: Video KYC (V-CIP) →