Implement age verification or age estimation for a regulated online service

Steps

1. Determine the required assurance level: age estimation from selfie, age inference from credit bureau data, or hard age verification via document date of birth
2. For document-based age verification, submit the document to an IDV vendor and extract the date of birth field from the verified document data
3. Calculate the user's age at the time of the transaction by subtracting the extracted date of birth from the current date
4. For AI-based age estimation, submit the selfie to the age estimation endpoint and receive an estimated age range with a confidence score
5. Apply your minimum age threshold against the verified age or the lower bound of the estimated age range depending on the assurance model chosen
6. Store the age verification outcome, method used, and timestamp for compliance reporting without retaining unnecessary biometric data beyond the required retention period