GiroIdent Basis

What it solves

As part of digital processes, customer identification is playing an increasingly important role in preventing fraud and and to comply with applicable regulations (e.g. Know Your Customer - KYC).
Giroident Basis can help to carry out identification without the need for extensive documentation or complex procedures by comparing and verifying the name of the end customer. This not only speeds up the process in-house, but also ensures an improved user experience for the end customer.

How it works

Initiate a new GiroIdent Basis check

Validates the user identity based on the provided first- and last name, by performing the following steps:

1. First and last names are provided. Optionally IBAN, BLZ.

2. A user performs a bank login, after being redirected by the client application to the URL provided by GiroIdent. GiroIdent retrieves bank account details.

3. Using an advanced “name similarity” algorithm, GiroIdent calculates the similarity between the name provided and bank account information.

GiroIdent Basis check result

For the given check (-id), the status for the check process, and results for the user name validation are provided.

Additional Person Data

Additional person data required for all GiroIdent variants other than Basis, matching an existing virtual person on the SCHUFA Test environment.

SCHUFA Credentials

All GiroIdent variants other than Basis require additional credentials for the SCHUFA web services. These credentials (“SCHUFA Kennziffer”) will be provided together with the authentication credentials for the finAPI Sandbox environments.