Configuring GBGroup ID3global

GBGroup ID3global is a data provider you can use to run these checks:

  • Bank account verification using a CRA
  • Electronic identity check
  • ID verification (PassFort collects documents)

Bank account verification using a CRA

How it works

This is the default behaviour for a variant of the Bank account verification using a CRA check with GBGroup ID3global as the data provider.

The check is performed by searching the individual’s bank account details (sort code and account number) and personal details (name, address, and date of birth) in the credit rating agency’s (CRA’s) database.

The check passes when the CRA confirms all details are associated with a valid bank account.

If one or more of the individual’s details do not match the details in the CRA’s database, 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 GBGroup ID3global, an error is displayed.

To improve the accuracy of the results, provide the customer's middle name.

Configuration options

You have the following configuration option:

  • Use the most recent previous address if check fails (optional): When this option is selected, if the check fails the first time it's run and there's more than one address in the address history, the check is run a second time automatically using the most recent address that isn't the current address. The check is only run again automatically once.
With this configuration option, any time the check is run again automatically, you are charged for a second check.
If the addresses provided on the individual's profile do not include dates, the addresses used for this check are selected at random.

What we’ll need

Let us know that you’d like to add a variant of the Bank account verification using a CRA check with GBGroup ID3global and whether you'd like to use the configuration option. We’ll set it up for you.

If you have a direct agreement with GBGroup ID3global, we’ll also need:

  • The URL for your GBGroup ID3global API (e.g. https://www.id3global.com/ID3gWS/ID3global.svc?wsdl)
  • A GBGroup ID3global account set up just for PassFort, and the username of that account
  • The GBGroup Profile(s) for the jurisdiction(s) for your checks. For each GBGroup Profile, we need the Country of Applicant (the jurisdiction) and the Profile ID.

Learn how to create a GBGroup ID3global account and get your username and profile IDs.

If you have a direct agreement with GBGroup ID3global, an error is displayed if the check is run on a profile with a current country of address that does not match a Country of Applicant for one of the GBGroup Profiles you’ve provided.

Testing your configuration

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

  1. Does the check pass when GBGroup ID3global confirms the profile’s details are associated with a valid bank account? 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 fail when GBGroup ID3global indicates the profile’s details do not match a valid bank account? 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 is run on a profile with a country of address that isn’t covered by GBGroup ID3global. This error is not displayed in the demo environment.
The test words are not case-sensitive.

Required and optional profile fields

These are the profile details searched in GBGroup ID3global’s sources:

Name

Description

First name(s) (personal_details.name.given_names)

Required

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

Surname (personal_details.name.family_name)

Required

The individual’s last name.

Date of birth (personal_details.dob)

Required

The individual’s date of birth.

Addresses (address_history)

Required

The individual’s address history.

Bank account (banking_details.bank_accounts)

Required

The individual’s bank account details, including sort code and account number, country, and type.

Electronic identity check

How it works

This is the default behaviour for a variant of the Electronic identity check with GBGroup ID3global 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 GBGroup ID3global.

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 GBGroup ID3global, an error is displayed.

Although in some cases the individual's national identity number is required to search GBGroup ID3global's sources, the Electronic identity check does not confirm the validity of the individual’s national identity number by default. If you want to use this check to confirm the validity of the national identity number, use the Identity number is one of the required fields configuration option.
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:

  1. 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.
  2. 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 GBGroup ID3global’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.
  3. Identity number is one of the required fields (optional): When this option is selected, the individual’s national identity number is required to achieve a 1+1 result, meaning that a 1+1 result is achieved when one of the following conditions is true:
    1. The individual’s full name, date of birth, address, and national identity number are matched in one source.
    2. The individual’s full name, date of birth, address, and the last 4 digits of their national identity number are matched in one source.
    3. The individual’s full name, address, and national identity number are matched in one source.
    4. The individual’s full name, address, and the last 4 digits of their national identity number are matched in one source.
    Additionally, the check only passes when the national identity number is verified in GBGroup ID3global’s sources. The check displays an error if it’s run on an individual profile that doesn’t have a national identity number.

    When this option is selected, it’s not possible to achieve 2+2 results.
When the DOB is one of the required fields and Identity number is one of the required fields configuration options are both used, a 1+1 result can only be achieved when one of the following conditions is true: 1) The individual’s full name, date of birth, address, and national identity number are matched in one source; 2) The individual’s full name, date of birth, address, and the last 4 digits of their national identity number are matched in one source. It’s not possible to achieve 2+2 results.
  1. Use the most recent previous address if the result isn't a 2+2: When this option is selected, the individual’s most recent address is used to run the check. With this option, if the check fails or a partial match is returned, the check is run again automatically using the next most recent address. The check is only run again automatically once.
When this option is selected, any time the check is run again automatically, you are charged for the second check.
If the addresses provided on the individual’s profile do not include dates, the addresses used for this check are selected at random.

What we’ll need

Let us know that you’d like to add a variant of the Electronic identity check with GBGroup ID3global and which configuration options you’d like to use. We’ll set it up for you.

If you have a direct agreement with GBGroup ID3global, we’ll also need:

  • The URL for your GBGroup ID3global API (e.g. https://www.id3global.com/ID3gWS/ID3global.svc?wsdl)
  • A GBGroup ID3global account set up just for PassFort, and the username of that account
  • The GBGroup Profile(s) for the jurisdiction(s) for your checks. For each profile, we need the Country of Applicant (the jurisdiction) and the Profile ID.

Learn how to create a GBGroup ID3global account and get your username and profile IDs.

If you have a direct agreement with GBGroup ID3global, an error is displayed if the check is run on a profile with a country of address that does not match a Country of Applicant for one of the GBGroup Profiles you’ve provided.

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.
When you’re using the Identity number is one of the required fields configuration option, it’s not possible to achieve 2+2 results.
  1. Does the check return a partial match when a 1+1 result is achieved? To run the test when you are using the Identity number is one of the required fields configuration option, create any individual profile with "1+1" as a given name or surname (e.g. "Alex 1+1 Wheeler") and an address located in the US and run the check variant. If the check returns a partial match, it’s working as expected.

    To run the test when you’re not using the Identity number is one of the required fields configuration option, create any 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.
  2. 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 when you are using the Identity number is one of the required fields configuration option, create any individual profile that has an address located in the US and run the check variant. If the check passes, it’s working as expected.

    To run the test when you’re not using the Identity number is one of the required fields configuration option, create any individual profile 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.
Although tests for the Identity number is one of the required fields configuration option are run on individuals with addresses located in the US, individuals can have any country of address when this check is run in the live environment.
In the live environment, an error is displayed when the check is run on a profile with a country of address that isn’t covered by GBGroup ID3global. This error is not displayed in the demo environment.
The test words are not case-sensitive.

Required and optional profile fields

These are the profile details searched in GBGroup ID3global’s sources:

Name

Description

First name(s) (personal_details.name.given_names)

Required

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

Surname (personal_details.name.family_name)

Required

The individual's last name.

Date of birth (personal_details.dob)

Required

The individual’s date of birth.

Addresses (address_history)

Required

The individual’s address history.

National identity number (personal_details.national_identity_number)

Optional (Italy, Denmark, South Africa, Spain, Mexico, Brazil, US and Canada only)

This field is required for all countries when the Identity number is one of the required fields configuration option is used

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

ID verification (PassFort collects documents)

How it works

This is the default behaviour for a variant of the ID verification (PassFort collects documents) check with GBGroup ID3global as the data provider.

You upload the individual's document to PassFort. PassFort submits the document to GBGroup ID3global who checks for signs of forgery and extracts the customer’s name, date of birth, and, where possible, nationality from the document.

You can upload these documents for the Verify address task:

  • Driving license
  • State ID

You can upload these documents for the Verify identity task:

  • Driving license
  • Passport
  • State ID
The document size limit is 10MB. The following file types are accepted: GIF, JPG, PNG, PDF

PassFort cross-references the extracted data provided by GBGroup ID3global with the details recorded in the individual’s profile (name, date of birth, and, if available, nationality).

PassFort imports an image of the documents to the task on the profile.

The check passes when all three criteria are met:

  1. The document details obtained from GBGroup ID3global match the details in the profile.
  2. GBGroup ID3global confirms the documents are authentic.
  3. GBGroup ID3global confirms that any additional checks have passed (e.g. police checks or selfie checks).

If the individual’s details do not match the data in GBGroup ID3global’s sources, the check fails.

Because cross-referencing the individual’s details is an action performed in PassFort and not in GBGroup ID3global, it’s possible for the check to pass in GBGroup ID3global but fail in PassFort.

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 GBGroup ID3global, an error is displayed.

To get step-by-step instructions for running this check, see Verify a document.

Configuration options

Check nationality (optional): When this option is selected, PassFort always cross-references the country of nationality recorded in the individual’s profile against the country of nationality that GBGroup ID3global extracted from the document. If the country of nationality does not match, the check fails. If the profile does not have a country of nationality, an error is displayed.

What we’ll need

Let us know that you’d like to add a variant of the ID verification (PassFort collects documents) check with GBGroup ID3global and whether you’d like to use the Check nationality configuration option. We’ll set it up for you.

If you have a direct agreement with GBGroup ID3global, we’ll also need:

  • The URL for your GBGroup ID3global API (e.g. https://www.id3global.com/ID3gWS/ID3global.svc?wsdl)
  • A GBGroup ID3global account set up just for PassFort, and the username of that account

Learn how to create a GBGroup ID3global account and get your username.

Testing your configuration

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

  1. Does the check pass when the identification document is authentic and the extracted document details obtained from GBGroup ID3global match the details in the profile? To run the test, use the image below as the image of the identification document and run the check variant. If the check passes, it’s working as expected.
  2. Does the check fail when the identification document is not authentic or the extracted document details obtained from GBGroup ID3global do not match the details in the profile? To run the test, use the image below as the image of the identification document 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 is run on a profile with a country of address that isn’t covered by GBGroup ID3global. This error is not displayed in the demo environment.

Required and optional profile fields

These are the profile details matched with the document details extracted by GBGroup ID3global:

Name

Description

First name(s) (personal_details.name.given_names)

Required

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

Surname (personal_details.name.family_name)

Required

The individual’s last name.

Date of birth (personal_details.dob)

Required

The individual’s date of birth.

Addresses (address_history)

Required

The individual’s address history.

Nationality (personal_details.nationality)

Optional

This field is required when the Check nationality configuration option is used

The individual’s country of nationality.

If you’re running the check via the API, the ID verification check also uses the following field from the ID check’s documents:

Key name

Description

document_id

Required

The document’s unique identifier in PassFort.

Creating your GBGroup ID3global account and getting your username and profile IDs

Creating your account and getting your username

First, create a GBGroup ID3global account for PassFort:

  1. Log in to your GBGroup ID3global account.
  2. Click the Accounts tab.
  3. Click Add. The Add Account dialog is displayed.
  4. Set the fields as follows:
    1. Name: PassFort
    2. Username: passfort
    3. Email: support@passfort.com
    4. Pin: 0000
  5. Click the Next icon. You're prompted to select the required roles for the account.
  6. Choose to include the role names for everyone@[yourdomain] and profile.admins@[yourdomain].
  7. Click Done.

Next, get your username:

  1. Open the account you just created and click Accounts.
  2. Copy the text in the Username field (e.g. PassFort). This is the username we need in Step 5.
  3. Click the Settings tab.
  4. Copy the text in the Domain name field (e.g. passfort.io). This is the domain name we need in Step 5.
  5. Your username is [Username]@[Domain name] (e.g. PassFort@passfort.io).
  6. Send use the username from Step 5 and the password for the account you selected in Step 1. You would have set the password for the account when you created it.

Profile IDs

To get your profile IDs:

  1. Log in to your GBGroup ID3global account.
  2. Click the Profiles tab.
  3. For each profile you want to add to PassFort:
    1. Click the More icon. More information about the profile is displayed.
    2. Click the Edit icon.
    3. Send us the text in the ID field as well as the region for the profile.


How did we do?


Powered by HelpDocs