Mpay Trustgate

CtrlCV built an AI-driven IC Detection and Alignment module that standardises every image through corner localisation, orientation correction, and perspective normalisation. This significantly helps Mpay to improve the OCR accuracy across all key fields and enables faster, more reliable eKYC operations.

Challenges

01

Unpredictable IC Images Break OCR Accuracy

Real-world IC submissions are often tilted, blurred, distorted, or partially cropped, with cluttered backgrounds and severe perspective issues. These imperfections prevent OCR models, which is designed for clean, upright images, from accurately extracting key fields, and resulting in low accuracy and frequent manual checks.

02

Traditional Processing Fails in Complex Conditions

Conventional image-processing techniques struggle when IC corners are covered by fingers, obscured by glare or shadows, or blended into the background. These inconsistencies cause unreliable localisation, leading to misaligned crops and further degrading OCR performance.

03

Inconsistent Orientation Causes Downstream Errors

IC images frequently arrive rotated or flipped, and without reliable orientation correction, the OCR pipeline misreads or completely misses important text regions. This inconsistency creates extraction errors, increases rejection rates, and disrupts the entire eKYC workflow.

Mpay X CTRLCV

Our AI-driven Solutions

1. Heat map-Based Corner Detection for Reliable IC Localisation

Instead of relying on brittle contour methods, CtrlCV developed a heatmap-based keypoint model powered by a FastViT backbone and multi-scale feature fusion. The model accurately identifies all four IC corners even when they are blurred, occluded, or poorly lit by predicting probability heatmaps rather than single coordinates. This robustness ensures precise geometric inference across 215,000 real-world eKYC samples, enabling clean, standardised IC crops that dramatically improve downstream OCR accuracy.

2. Automatic Orientation Normalisation 

User-captured photos may be rotated in any direction, making OCR impossible without correction. Our orientation module evaluates all eight possible orientations and selects the correct one by comparing each candidate against an averaged IC reference template. This ensures that every processed IC is upright, front-facing, consistently aligned, before extraction, which instantly resolving a major portion of OCR failures caused by upside-down or sideways captures.

3. Perspective normalisation & Geometric Correction

With corner locations identified, our system applies homography reconstruction to warp the IC into a clean, top-down view. This eliminates skew, tilt, and perspective distortion entirely, giving OCR a perfect canvas to work on. Evaluation results show 100% homography success rate on the held-out test set, demonstrating geometric stability even under challenging conditions.

100% success rate on our evaluation data, with no failed cases.

4. Intelligent Fallback system for Edge cases

ICs with severe occlusion, missing corners, extreme blur, glare, or partial cropping may occasionally fail heat map detection. To maintain stability, the pipeline automatically switches to a colour-based segmentation fallback. This guarantee continuity and ensures the system never fails silently, preserving the downstream operability. CtrlCV’s IC detection and alignment module provides MPay with a production-ready solution built specifically for the realities of Malaysian eKYC workflows. We utilise the computer vision method that handles blurry, tilted and occluded IC images.

5. Automated OCR field Extraction

After alignment and perspective correction, CtrlCV’s OCR engine extracts all key textual fields from the IC with significantly higher accuracy. The improved geometry and clarity of the input image reduce character errors, increase field-level recall, and eliminate many manual verification steps. This module supports extraction of all fields on IC which include IC number, name, address, gender, nationality and east Malaysia status. The combined effect is a far more reliable, automated extraction pipeline that replaces manual data entry and reduces operational overhead.

6. Landmark-Based IC Authenticity Verification

To determine whether an IC is genuine, the system analyses structural and geometric landmarks printed on Malaysian identity cards. By learning the precise locations, proportions, and spatial relationships of official IC landmarks logos, hologram regions, micro text zones, photo position, and geometric layout, the model can detect anomalies caused by tampering, reproductions, or digitally manipulated cards. This allows MPay to automatically flag suspicious submissions, improving security and reducing fraud risk in the eKYC process.

7. Face-IC cross verification 

Ensuring that the person holding the IC is the same person depicted on the card is a critical component of secure eKYC. CtrlCV introduced a dual-module verification system that:

  1. Matches the IC photo to the user’s selfie or live capture using face embedding comparison.
  2. Performs liveness checks to confirm that the face belongs to a real human, not a printed photo or screen replay.

Together, these capabilities allow MPay to verify identity with higher confidence and automatically reject attempts using fake ICs, impersonation, or spoofed images.

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