Configuring Experian Prove-ID

Experian Prove-ID is a data provider that enables you to run the Electronic identity check.

How it works

This is the default behaviour of a variant of the Electronic identity check with Experian Prove-ID as the data provider.

This check is performed by searching the individual’s details (name, date of birth, address, and, in some cases, national identity number) in the sources supplied by Experian Prove-ID.

To resolve possible duplicates in Experian Prove-ID’s sources, the check is run using a "normalised" version of the address. You can configure the check to run again automatically if the normalised version of the address fails.
If the individual has multiple addresses, the most recent address is used. If no dates are provided, the address is selected at random.

The check passes when a 2+2 result is achieved, which happens when either of these conditions are true:

  1. The individual’s full name and address are matched in one source and the individual’s full name and date of birth are matched in a second source.
  2. The individual’s full name and address are matched in two distinct sources.

If a 2+2 result cannot be achieved, the check looks for a 1+1 result.

The check returns a partial match when a 1+1 result is achieved, which happens when either of these conditions are true:

  1. The individual’s full name, date of birth, and address are matched in one source.
  2. The individual’s full name and address are matched in one source.

If the conditions are not met for a 2+2 result or a 1+1 result, the check fails.

If the individual’s profile doesn’t have data for the required fields, an error is displayed.

If the country of address in the individual’s profile isn’t covered by Experian Prove-ID, an error is displayed.

Although the individual's national identity number is required to search the data provider's sources in some cases, this check does not confirm the validity of the national identity number.
This check is more likely to succeed on older addresses. To improve match rates, you may want to ask customers if they’ve moved in the last 6 months and, if so, request a previous address.
To improve the accuracy of the results, provide the customer's middle name.

Configuration options

You can use the following configuration options:

  • Pass check on 1+1 result (optional): When this option is selected, the check passes when a 1+1 result is achieved. When this configuration option is used, a partial match is never returned.
  • DOB is one of the required fields (optional): When this option is selected, it’s only possible to achieve a 2+2 result or a 1+1 result when the individual’s date of birth is matched in Experian’s sources. In other words, a 2+2 result is only achieved if the individual’s full name and address are matched in one source and the individual’s full name and date of birth are matched in a second source. A 1+1 result is only achieved when the individual’s full name, date of birth, and address are matched in one source.
  • Use the original address if the normalised address fails (optional): When this option is configured, if the check fails or a partial match is returned, the check is run again automatically using the original version of the address (before it was normalised). The check is only run again automatically once.
With the Use original address if normalised address fails configuration option, any time the check is run again automatically, you are charged for the second check.

What we’ll need

Let us know that you’d like to run a variant of the Electronic identity check with Experian Prove-ID and which configuration options you’d like to use. We’ll set it up for you.

If you have a direct agreement with Experian Prove-ID, we’ll also need:

  • Your Experian Prove-ID username and password
  • The URL for your Experian Prove-ID API (e.g. https://xml.proveid.experian.com/IDSearch.cfc?wsdl)
  • Your private key and the public key used with two-factor authentication (2FA)

For help getting the information above, please contact your Experian Prove-ID account manager.

Testing your configuration

Once the check variant is configured, follow these steps in your demo environment to test whether it's working as expected.

When the check variant is configured to pass on 2+2 results (default configuration):

  1. Does the check pass when a 2+2 result is achieved? To run the test, create any individual profile and run the check variant. If the check passes, it’s working as expected.
  2. Does the check return a partial match when a 1+1 result is achieved? To run the test, create an individual profile with "1+1" as a given name or surname (e.g. "Alex 1+1 Wheeler") and run the check variant. If the check returns a partial match, it’s working as expected.
  3. Does the check fail when the conditions are not met for a 2+2 result or a 1+1 result? To run the test, create an individual profile with "FAIL" as a given name or surname (e.g. "Alex FAIL Wheeler") and run the check variant. If the check fails, it’s working as expected.

When the check variant is configured to pass on 1+1 results:

  1. Does the check pass when a 1+1 result is achieved? To run the test, create an individual profile with "1+1" as a given name or surname (e.g. "Alex 1+1 Wheeler") and run the check variant. If the check passes, it’s working as expected.
  2. Does the check fail when the conditions are not met for a 1+1 result? To run the test, create an individual profile with "FAIL" as a given name or surname (e.g. "Alex FAIL Wheeler") and run the check variant. If the check fails, it’s working as expected.
In the live environment, an error is displayed when the check variant is run on a profile with a country of address that isn't covered by Experian Prove-ID. This error is not displayed in the demo environment.
The test words are not case-sensitive.

These are the profile details searched in Experian Prove-ID’s sources:

Field name

Description

Notes

Portal: First name(s)

API:personal_details.name.given_names

The individual’s first and, if applicable, middle names.

Required

Portal: Surname

API:personal_details.name.family_name

The individual’s last name.

Required

Portal: Date of birth

API:personal_details.dob

The individual’s date of birth.

Required

Portal: Addresses

API:address_history

The individual’s address history.

Required

Portal: National identity number

API:personal_details.national_identity_number

The individual’s national identity number for their registered country.

Required for Italy, Denmark, South Africa, Spain, Mexico, Brazil, and Canada


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