Introduction
The GiroIdent Service is based on a set of Checks. As a partner application, the recommended integration of these checks is as follows:
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Partner application calls GiroIdent service Create Check with the relevant parameters. GiroIdent returns a GiroIdent Redirect URL.
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Partner application sends (redirects) the user to “Web Form Redirect URL".
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The user follows GiroIdent UI and grants GiroIdent access to her bank account.
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The GiroIdent UI will optionally redirect the user to a result URL if configured by the partner application (via query parameters appended to the Redirect URL).
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The partner application checks the GiroIdent result using the Get Check service and displays the result.
Variants and Features
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Basis |
Plus |
GwG (§14) |
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Successful bank account login by the user |
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Matching user name with account holder name(s) |
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SCHUFA Identity Check: matching user name, address, birthday with persons know to SCHUFA |
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SCHUFA proven Identity (2): user details match a person known to SCHUFA with verified identity. |
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IBAN verification: user IBAN matches the account the user logged in. |
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SCHUFA Account Check: User details and IBAN are matching account details known to SCHUFA. |
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Successful micro-payment from the user account |
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(1): SCHUFA Account check results are provided by default, the SCHUFA proven-identity_evaluation is only provided if the Account Check was not successful.
(2): GiroIdent Plus uses SCHUFA Identity Check variant “Standard”, and does not return “proven identity” information; GwG and GwG Total use the variant “Premium”, which includes “proven identity”.