Premium Feature
KYC through Socure is available as a premium feature. Contact Sales to inquire more about access. If you're an existing customer, reach out to your Account Manager or to [email protected] Socure account is required.
Overview
A KYC order can be placed on a business to run a due diligence checks on the people associated with that business. Each person submitted on the business at create time with Socure's required PII (Personal Identification Information) will be run through the Socure KYC bundle configured on their account.
See the people section of the Create A Business page to see information about what KYC fields are required on a person at submit time.
See the person resource for more details about the kyc schema returned for each KYC check.
Decision Module
The Decision module returns a simple interpretable recommendation for a transaction based on underlying logic that defines intermediary outcomes when certain criteria is met. It needs to be enabled and configured per Socure account before it can be used. Once you're signed up for a Socure's decision module guide for more details.
If enabled on your account, a KYC decision will be returned per person and the final aggregation of that result will be returned as an insight on the business.
Device Risk Module
The Sigma Device module uses device fingerprinting technology to create an ID that can be used to identify a device, which is combined with additional PII to link device with an identity. The Device Session ID is generated from one of Socure's client side SDKs. Once you have a Socure account, you can read more about that over here
Document Verification Module
The document verification module uses Socure’s Predictive Document Verification (DocV) to help businesses verify government-issued identity documents, such as passports and driver's licenses. This optional module will confirm the authenticity of a government-issued ID, match the Personal Identifiable Information (PII) extracted from the ID against the input information, and match the ID headshot to a consumer-submitted selfie.
Document verification can be run as part of the initial Socure KYC order or by itself as a step-up verification method after a risky KYC result.
To use Document Verification in the KYC order, include the document_uuid parameter provided by Socure in the POST or PATCH of a KYC person on a business. The result will be in the kyc object on a person.
To use document verification as a step-up method to the initial KYC order, pass the document_uuid in a PATCH request of an existing person. This result will be returned on the kyc_step_up object on the person, and the new decision will be present in kyc_step_up.decision.
Socure’s Predictive DocV SDK implementation is required to to provide Middesk with the document_uuid used for this module - you can read more here: DocV SDK. Please note that Socure offers different levels of verification during set up but this implementation only requires “verificationLevel”: 1
Contact sales to be enable use of this optional module.
Progressive KYC
In order to support an efficient onboarding process, we enable customers to run a KYC Order on a business and then an Identity Order. We also enabled customers to run KYC Orders after an identity order is completed.
To submit a KYC only Order, submit your business as you would normally with the Business's fields and request a KYC Order in the orders section of you request. Once the KYC Order is completed and you'd like to run an Identity Order, add an identity order to the business as outlined in Create an Order.
To add a KYC order after an identity order has completed, update the business's people object with an array of people that you'd like to run a KYC report on.
{
"name": "A business Inc",
"addresses": [
{
"address_line1": "1234 Main",
"city": "San Francisco",
"state": "CA",
"postal_code": "94109"
}
],
"people": [
{
"first_name": "Kyle",
"last_name": "Mack",
"dob": "2001-12-31",
"ssn": "123456789",
"address_line1": "1234 Main",
"address_line2": "Apt #5678",
"city": "San Francisco",
"state": "CA",
"postal_code": "94109",
"phone_number": "7075555555",
"email": "[email protected]",
"device_session_id": "1a74f8ba2be28cfc9020",
"document_uuid": "2c126004-2a5e-41e2-a380-eddcdaadcf56"
}
],
"orders": [ {"product": "kyc" } ]
}
{
"people": [
{ name: "Kurt Ruppel" },
{
"first_name": "Kyle",
"last_name": "Mack",
"dob": "2001-12-31",
"ssn": "123456789",
"address_line1": "1234 Main",
"address_line2": "Apt #5678",
"city": "San Francisco",
"state": "CA",
"postal_code": "94109",
"phone_number": "7075555555",
"email": "[email protected]",
"device_session_id": "1a74f8ba2be28cfc9020",
"document_uuid": "2c126004-2a5e-41e2-a380-eddcdaadcf56"
}
]
}
{
"object": "business",
"id": "880a9600-4176-46c9-9a07-903104c675da",
"review": {
"object": "review",
"id": "883fab97-e473-414a-be65-bd5a20899177",
"created_at": "2022-05-13T22:25:24.971Z",
"updated_at": "2022-05-13T22:25:25.169Z",
"completed_at": null,
"tasks": [
{
"category": "kyc",
"key": "kyc_decision",
"label": "KYC",
"message": "No risks were found with the associated people",
"name": "kyc",
"status": "warning",
"sub_label": "Accept",
"sources": []
}
]
},
"people": [
{
"object": "person",
"name": "Kyle Mack",
"submitted": true,
"business_id": "880a9600-4176-46c9-9a07-903104c675da",
"sources": [],
"titles": [],
"kyc": {
"object": "kyc_result",
"provider_external_id": "2cf895d3-83a0-4b2c-a5f2-aa49dd0fc591",
"provider": "socure",
"decision": "accept",
"result": {
"fields": "that",
"depend": "on",
"what": "bundles",
"are": "enabled",
"on": "your account :)"
}
}
}
],
"phone_numbers": [],
"profiles": [],
"registrations": [],
"orders": [
{
"id": "d2507100-c924-013a-7447-2cde48001122",
"product": "kyc",
"created_at": "2022-05-13T22:25:24.971Z",
"updated_at": "2022-05-13T22:25:25.169Z",
"completed_at": "2022-05-13T22:25:25.169Z",
"status": "completed"
}
],
"industry_classification": null
}
{
"object": "business",
"id": "880a9600-4176-46c9-9a07-903104c675da",
"review": {
"object": "review",
"id": "883fab97-e473-414a-be65-bd5a20899177",
"created_at": "2022-05-13T22:25:24.971Z",
"updated_at": "2022-05-13T22:25:25.169Z",
"completed_at": null,
"tasks": [
{
"category": "kyc",
"key": "kyc_decision",
"label": "KYC",
"message": "No risks were found with the associated people",
"name": "kyc",
"status": "warning",
"sub_label": "Accept",
"sources": []
}
]
},
"people": [
{
"object": "person",
"name": "Kyle Mack",
"submitted": true,
"business_id": "880a9600-4176-46c9-9a07-903104c675da",
"sources": [],
"titles": [],
"kyc": {
"object": "kyc_result",
"provider_external_id": "2cf895d3-83a0-4b2c-a5f2-aa49dd0fc591",
"provider": "socure",
"decision": "accept",
"result": {
"fields": "that",
"depend": "on",
"what": "bundles",
"are": "enabled",
"on": "your account :)",
"documentVerification": {
"decision": {
"name": "moderate",
"value": "accept"
},
"reasonCodes": [
"XXXXXX",
"XXXXXX"
],
"documentData": {
"dob": "1980-01-01",
"address": "330, NY 10001",
"surName": "Doe",
"fullName": "Jane Doe",
"firstName": "Jane",
"issueDate": "2015-01-01",
"documentNumber": "11223344",
"expirationDate": "2020-01-01"
},
"documentType": {
"type": "Drivers License",
"state": "NY",
"country": "US"
}
}
}
}
}
],
"phone_numbers": [],
"profiles": [],
"registrations": [],
"orders": [
{
"id": "d2507100-c924-013a-7447-2cde48001122",
"product": "kyc",
"created_at": "2022-05-13T22:25:24.971Z",
"updated_at": "2022-05-13T22:25:25.169Z",
"completed_at": "2022-05-13T22:25:25.169Z",
"status": "completed"
}
],
"industry_classification": null
}
{
"object": "business",
"id": "880a9600-4176-46c9-9a07-903104c675da",
"review": {
"object": "review",
"id": "883fab97-e473-414a-be65-bd5a20899177",
"created_at": "2022-05-13T22:25:24.971Z",
"updated_at": "2022-05-13T22:25:25.169Z",
"completed_at": null,
"tasks": [
{
"category": "kyc",
"key": "kyc_decision",
"label": "KYC",
"message": "No risks were found with the associated people",
"name": "kyc",
"status": "warning",
"sub_label": "Accept",
"sources": []
}
]
},
"people": [
{
"object": "person",
"name": "Kyle Mack",
"submitted": true,
"business_id": "880a9600-4176-46c9-9a07-903104c675da",
"sources": [],
"titles": [],
"kyc": {
"object": "kyc_result",
"provider_external_id": "2cf895d3-83a0-4b2c-a5f2-aa49dd0fc591",
"provider": "socure",
"decision": "refer",
"result": {
"fields": "that",
"depend": "on",
"what": "bundles",
"are": "enabled",
"on": "your account :)"
}
},
"kyc_step_up": {
"id": "7c4193c0-f09b-4850-98d4-bb78dfa06a54",
"person_id": "05fa249c-8836-4f13-8d88-328d7aae9145",
"reference_id": "48d4976a-a6b9-49ec-85cb-805c29962f91",
"decision": "accept",
"created_at": "2023-08-04T17:36:48.122Z",
"updated_at": "2023-08-04T17:36:48.122Z",
"response": {
"referenceId": "48d4976a-a6b9-49ec-85cb-805c29962f91",
"documentVerification": {
"decision": {
"name": "moderate",
"value": "accept"
},
"reasonCodes": [
"XXXXXX",
"XXXXXX"
],
"documentData": {
"dob": "1980-01-01",
"address": "330, NY 10001",
"surName": "Doe",
"fullName": "Jane Doe",
"firstName": "Jane",
"issueDate": "2015-01-01",
"documentNumber": "11223344",
"expirationDate": "2020-01-01"
},
"documentType": {
"type": "Drivers License",
"state": "NY",
"country": "US"
}
}
}
},
}
],
"phone_numbers": [],
"profiles": [],
"registrations": [],
"orders": [
{
"id": "d2507100-c924-013a-7447-2cde48001122",
"product": "kyc",
"created_at": "2022-05-13T22:25:24.971Z",
"updated_at": "2022-05-13T22:25:25.169Z",
"completed_at": "2022-05-13T22:25:25.169Z",
"status": "completed"
}
],
"industry_classification": null
}