Statement Analysis - Preanalysis

Introduction:

The Bank Statement Pre-Analysis API helps users perform key fraud checks on bank statements before submitting them for full analysis. The checks include: 1. Name Match: Verifies that the name on the statement matches the expected customer name, helping identify identity-related fraud. 2. Address Match: Checks that the address on the bank statement matches the expected address, helping to spot address-based fraud or identity theft. 3. Statement Recency Check: Ensures the bank statement is recent, identifying potentially outdated documents that may not be reliable or legitimate. 4. Statement Continuity Check: Verifies that the statements are continuous and not artificially tampered with (i.e., missing pages or gaps in statements). 5. Statement Period Check: Confirms the statement’s date range is valid and consistent, preventing attempts to manipulate the time periods for fraudulent purposes.

Benefits:

Cost Savings: By performing these basic checks upfront, users avoid paying for full analysis on statements that may already be flagged as fradulent.

Fraud Preventation: Helps catch potential fraud early, before spending money on a full detailed analysis.

Time Efficiency: Speeds up the review process by filtering out fradulent statements right away.

User-friendly: Automates the fraud detection process, making it easier for users to catch red flags without manually going through each statement.

Sample cURL:

curl --location 'https://api.signzy.ae/api/v3/statementanalysis/preanalysis' \
--header 'Content-Type: application/json' \
--header 'x-consumer-id: test-consumer' \
--header 'Authorization: ' \
--data '{
    "customerName": "John Doe",
    "customerAddress": "XYZ Street",
    "statementPeriod": "12m",
    "recencyDate": "31/03/2025",
    "recencyPeriod": "12m",
    "checkAuthenticity": false,
    "files": [
        {
            "fileUrl": "https://files.signzy.tech/api/files/1739499082/download/2e05d2d81f934ad295624bc8993919c11cc55f9cd27547289b9107838bddbe7f1.pdf"
        }
    ]
}'

Input Parameters:

Parameter	Type	Description	Mandatory/Optional
customerName	String	Name of the customer which has to be matched with the statement name.	Mandatory
customerAddress	String	Address of the customer which has to be matched with the address of the customer.	Optional
statementPeriod	String	Period of the statement can be passed as 6m, 3m, 1y, etc.	Mandatory
recencyDate	String	Users can pass the recency date from where the recency has to be checked. The format should be DD/MM/YYYY	Mandatory
recencyPeriod	String	User can define the period of recency. For ex: 6m, 3m	Mandatory
pan	String	PAN of the customer which has to be matched.	Optional
accountType	String	Account Type can have 3 possible values: 1. CA 2. SA 3. OD	Optional
files	Array	List of Files that you need analysis on
files[n].fileUrl	String	URL of the PDF statement	Mandatory
files[n].password	String	Password of the statement	Optional

Sample Response:

{
    "customerNameMatch": true,
    "customerNameMatchDescription": "Name match passed",
    "customerAddressMatch": true,
    "customerAddressMatchDescription": "Address match passed",
    "statementPeriodCheck": true,
    "statementPeriodDescription": "Statement meets the required period. Cumulatively, the period of statements is 3 months.",
    "recencyCheck": true,
    "recencyCheckDescription": "The uploaded statements are recent, from 01/06/2024 to 31/08/2024.",
    "continuityCheck": true,
    "continuityCheckDescription": "The statements uploaded have no gaps",
    "panMatch": false,
    "panMatchDescription": "PAN not passed",
    "accountTypeMatch": false,
    "accountTypeMatchDescription": "Account Type not passed"
}

Status Codes:

CODE	MESSAGE
200 400 404 409 500	Request Successful Validation Error Record Not Found Upstream is down Server Side Error