GiroIdent Introduction
Introduction
The GiroIdent Service is based on a set of Checks. As a partner application, the recommended integration of these checks is as follows:
Partner application calls GiroIdent service Create Check with the relevant parameters. GiroIdent returns a GiroIdent Redirect URL.
Partner application sends (redirects) the user to “Web Form Redirect URL".
The user follows GiroIdent UI and grants GiroIdent access to her bank account.
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).
The partner application checks the GiroIdent result using the Get Check service and displays the result.
Variants and Features
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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”.