GiroIdent GwG §14

What it solves

GiroIdent GWG is the preferred solution for effective identification in accordance with the Money Laundering Act. Not only are the name, address and date of birth provided checked against the account. The information provided is also compared with the data stored in Schufa. The comparison is made not only with the conventional Schufa data, but also with data that has already been verified by another provider.

How it works

Initiate a new GiroIdent GwG check

Validates the user identity based on the provided user details incl. an IBAN by performing the following steps:

1. First user details are provided. Optionally IBAN, BLZ.

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

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

4. The provided IBAN is validated against the received account information.

5. The SCHUFA Bank Account Check plus IBAN is used to validate the user input.

6. Only if the Account Check was not positive: The SCHUFA Identity Check (Plus variant) validates the provided user details.

GiroIdent GWG check result

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