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Is fraud with pension payments still considered incidental
Voorthuizen, The Netherlands, 31 Januari 2019 - by: Brian Aué

For pension providers it is still difficult to verify whether or not members who are living abroad are still alive - with all the associated consequences. As example we refer to a recent article about a 65 year-old woman who continued to claim the Dutch State pension (AOW) on behalf of her deceased father. Because she did not report his death and because she was also in the possession of the bank card and PIN, this went unnoticed for years.

The damage over the last few years amounts to 24.000 euro

For this incident alone, the damage over the last few years amounted to 24,000 euro. The 65 year-old woman has been sentenced to 180 hours community service, of which 80 hours suspended.

Could this have been avoided?

Of course! And quite easily so. GDPS Group acts on behalf of pension providers and requests life certificates from pensioners. Following receipt, they assess the documents as well. By executing this process once a year, the risk of damages due to fraud is limited.

Optionally, pensioners may also use the Mobile ID Check. Using Mobile ID Check it is possible to carry out a remote verification and find out whether someone is still alive or not. In this way, many time consuming steps like travel time to local authorities, paperwork, and sending documents by post can be skipped.
With the Mobile ID Check app, anyone can provide a life certificate within 5 minutes. There is no loss of authenticity. That means that as pension provider, you do not even have to wait a full year until the next check!

Source (Dutch):

Overview of countries using biometric passports (mid 2018)
Voorthuizen, the Netherlands, 12 October 2018 - by: Gerard Harten

The number of countries issuing biometric passports is increasing fast. Research within the most popular free online encyclopedia, carried out by GDPS Group, shows that 133 of 196 internationally recognized independent states are currently issuing a biometric passport. The number of countries itself is quite large (67%), but the percentage of the total population is even more impressive. The research shows that 90% of the world population is living in countries that issue a biometric ID document.

9 out of 10 receive a biometric passport when requested.

Apart from all standard characteristics of an ID document, a biometric passport also contains a chip which holds all personal data. In addition, the chip can also be used for other information storage, like a digital passport photo or fingerprints. Plus, the chip contains a range of security and authentication features, to enable checks for imitations and fraud.

Using the latest innovations, the Mobile ID Check app by GDPS Group can verify whether or not the owner of the document is still alive. Simply by using a smartphone from your comfy chair. For more information, please visit our page ID Check Summary.


The annually recurring drama of requesting life certificates
Voorthuizen, the Netherlands, 17 September 2018 - by: Gerard Harten

Over the past few years, GDPS Group has developed a number of innovating activities to make the process for providing and verifying life certificates as easy as possible. Even though our clients are mainly the pension providers and state bodies paying out pensions, we do not just do this for them. Pensioners are our probably the most important group for whom we provide this. Because for pensioners it can be a drama to get and submit a life certificate. This is one of the main issues raised at several platforms that we consult regularly.

Every year that trip to the council, sometimes more than one and only a few weeks apart.

We spotted the following at a Thai forum:

"Don’t forget that many Dutch people live a long distance away from Bangkok. They are elderly people and cannot make the long trip that easily... (apart from the cost involved)."

These type of statements - and there are many - are exactly the reason why GDPS Group is investing in a simple and secure digital Life Certificate, or Proof of Life.

Pensioners living abroad are often fully dependent on their pension income, and they are not in the position to just leave submitting their life certificate for one year. The press release we read this week did not bring a smile to our face. This shows that the Government does inform, but does not innovate sufficiently. We consider it our duty to change this!

Source (Dutch):

Source (Dutch):

Identification often a bottleneck for execution-only mortgages
Voorthuizen, the Netherlands, 9 July 2018 - by: Lonneke Meijer

Client identification is often a bottleneck when taking out a so-called “execution-only” mortgage. Of course, customers may use their iDIN (online identification via bank institutions) to take out their mortgage online, but despite what the providers promise, this is no real identification. It may be considered an indirect identification at best, but it actually is not more than just a username and a password. Admittedly, in saying this we may not do justice to the iDIN, but true identification? No, it is certainly not.

True identification is the combination of a formal ID and an individual who is physically sitting in front of me.

For a true identification we often think of a reception desk. A person who is facing you in person, asking for your passport and verifying if you are the person you say you are. In this way a check is performed to verify whether or not you have the capacity to complete the transaction. The same applies to iDIN, however, it is not 100% guaranteed that the person logging in actually is the person they say they are.

And if the mortgage provider does not recognize iDIN, a private individual may still have to go to a solicitor. Or, they may request a copy of your passport or driving licence. The Mobile ID Check app by GDPS Group provides the best solution for these type of transactions. You can identify yourself using your passport and your smartphone, simply from your comfy chair. Just like you would do this via a solicitor; now you can do this from home. It will not get easier than this! Our app compares your face to that on your ID document, which makes this a true identification and negates the risk of fraud with passwords or user IDs.

See also: id-check-summary

GDPS Group at Pensiontech Summit 2018
Voorthuizen, the Netherlands, 17 May 2018 - by: Anthony Ng

On the 16th and 17th of May 2018, GDPS group was exhibitor and guest at the Pensiontech Summit 2018 organized by Holland Fintech. During the two-day event, there were 15 demonstrations, 25 speakers and more than 250 guests, which made it an ideal event to showcase who GDPS Group is and what stage we are at with our innovations in the pension sector.

This is cooler than anything I have seen today.

The enthusiastic reactions we got during the whole event, showed us that we are bringing two interesting products on the market with “Attestatie de Vita” and Mobile ID Check. Even though the technical features may be a step too far for some pension providers, most of the visitors envisage a breakthrough for this technique in the nearby future. “There is hardly any doubt this will be widely implemented in the market. People are ready for this; they do nearly everything using their mobile phone. The pension providers just need to follow suit.”

The description on the Pensiontech site: GDPS Group is the process outsourcing partner for Pension Funds and Insurance Companies dealing with Life Certificates and Digital Identification. With “Life Certificate 2.0” they totally redesigned the way insurance companies and their customers interact in case of a life certificate. What used to take days, weeks or even months can now be done in the blink of an eye. Without having to leave your home. Fast, safe and secure with a brand new portal and Life Certificate App.


A frozen nest egg for three years
Voorthuizen, the Netherlands, 6 April 2018 - by: Gerard Harten

Yesterday evening, a man in India was arrested for unjustifiably claiming pension money using his deceased mother’s thumbprint. The man was taken to the police station for questioning. The incident came to light when an unexpected visitor noticed a suspicious chemical smell. According to neighbors, the deceased woman had been taken to the morgue. However, because they didn’t trust the chemical smell, they alerted the police. They found the body of the deceased in a freezer.

A thumb alone is not sufficient at GDPS.

When the woman passed away in 2015, her son decided not to tell to the authorities, so that he could claim her pension money. To avoid the decomposition of her body, he treated it with chemicals. The father was aware of this, but was afraid to make the news public. Both were taken to the police station.

Obviously, this type of fraud is an extreme example which does not occur very often. Still, we do take this into account at GDPS Group and that is why a thumbprint alone is not sufficient. Our app also uses facial recognition as well as moving images. In that way we exclude possible fraud should a photo of a pensioner be used. For more information, please visit our page ID Check Summary.


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