It is possible to extend the Identity verification integration by requesting an address check as part of a session.
To receive a customer’s verified address or further proof the customer is who they say they are, they can upload one of the supporting documents:
- Council Tax bill
- Bank statement
- Phone bill
- Utility bill
This section will describe:
- What an address check is.
- Outcome report with recovery suggestions.
This check will facilitate an extra verification of a user by searching a person’s details against a collated database from various sources worldwide.
Yoti will need to capture the user's address so you will need to allow the following checks:
| Name | Resources | Manual check available |
|---|---|---|
| Supplementary text data extraction | 1x Document Resource | ✅ |
| ID document text data extraction | 1x Document Resource | ✅ |
Note: not all ID documents contain the users address.
Enhance your check
Add these features to enhance your check for a stronger verification.
| Name | Description | Resources | Manual check available |
|---|---|---|---|
| Document comparison | If you request your users to upload more than one document we offer the ability to cross check the data | 2x Document Resource | ❌ |
We strongly recommend for data extraction you configure ALWAYS go to a manual check for optimum results.
The user flow
- The user will be presented with a screen to select their issuing country and document type.
User flow: Select document type.
- The user will be provided with requirements of the document and context before uploading.
User flow: Context screen.
- The user will be asked to upload their document.
User flow: Upload document
- The user will be shown the completed screen.
User flow: Completed screen.
At this point you can redirect the user to a success URL / Error URL.
Results
Yoti performs numerous matches to generate this report. Yoti will also provide a recommendation for the status of the check:
| Recommendation | Reasons |
|---|---|
| 🟢 APPROVE | At least one match was found. |
| 🟠 NOT_AVAILABLE | Not enough information to do the requested check. This could be due to text data extraction failing. |
| 🟠 CONSIDER | No records found to check against, or Name and DOB matched but address doesn't. Please see the sub checks for more detail. |
| Yoti Reason | Description | Automated | Result |
|---|---|---|---|
| name_match | Specifies whether the name has returned a match. | ✅ | If FAIL then the overall check recommendation will be CONSIDER with reason “NO_MATCH”. |
| address_match | Specifies whether the address has returned a match. | ✅ | If FAIL then the overall check recommendation will be CONSIDER with reason “ADDRESS_MISMATCH”. If both address_match and name_match fails, then the reason will be NO_MATCH. |
| dob_match | Specifies whether the date of birth has returned a match. This value will only appear if there was a match, since it’s optional in some cases. | ✅ | N/A |
| deceased | Specifies if the person is deceased. | ✅ | If there is no address_match found this sub_check won't be run. |
| electoral_roll | Specifies if the person can be found on the electoral roll. | ✅ | If there is no address_match found this sub_check won't be run. |
| pep_warning | Specifies if there are any warnings related to this person, or if they are a pep. | ✅ | If there is no address_match found this sub_check won't be run. |
| sanctions_warning | Specifies if the person has been found on the UK HM Treasury financial sanctions list or the OFAC Specially Designated Nationals database. | ✅ | If there is no address_match found this sub_check won't be run. |
| multiple_sources_match |
| ✅ | If there is no address_match found this sub_check won't be run. |
Consider Result
For the list of consider reasons, please see below.
| Yoti Reason | Recovery suggestion |
|---|---|
| NO_MATCH_FOUND | Ask the user to try again. |
| ADDRESS_MISMATCH | Ask the user to check their address is the correct address and to try again. |
Not Available Result
If Yoti was unable to perform checks, here is a list of the responses we will return:
| Yoti Reason | Recovery suggestion |
|---|---|
| NO_VALID_FIELDS The uploaded documents did not contain all fields required to do the check. | Ask the user to try again. |