Statement Analysis - Tampering Analysis

Introduction:

The Bank Statement Tampering Analysis API helps users perform key fraud checks on bank statements.

The uploaded statement provided is a computer-generated statement where it does not require a signature. Such statements need tampering analysis checks to ensure they have not been tampered with or manipulated.

The checks include:

Meta data analysis

Date Match : Verifies whether the created date and modified date are equal.

Producer Match : Verifies whether the producer is genuine and whitelisted.

Creator Match : Verifies whether the creator is genuine and whitelisted.

Benefits:

Fraud Detection & Prevention

Identifies altered transaction entries, fake credits, or removed debits.

Helps prevent loan fraud, identity theft, and financial misrepresentation at an early stage.

Regulatory & Compliance Assurance

to penalties.

Ensures adherence to KYC/AML (Know Your Customer / Anti-Money Laundering) norms.

Prevents institutions from accepting forged documents that could lead to penalties.

Data Integrity & Trust

Builds trust in the authenticity of submitted financial documents.

Protects lenders, employers, and financial institutions from relying on falsified information.

Operational Efficiency

Automates tampering checks, reducing manual verification workload.

Enables faster decision-making in loan approvals, visa processing, or background checks.

Cost Savings

Avoids financial losses from approving fraudulent applications.

Saves investigation costs by detecting tampering upfront rather than after fraud occurs.

Sample cURL:

curl --location 'https://api-preproduction.signzy.app/api/v3/statementanalysis/check-authenticity' \
--header 'Authorization: <auth-token>' \
--header 'Content-Type: application/json' \
--data '
{
    "statements": [
        {
            "fileName": "bob internet",
            "url": "https://persist.signzy.tech/api/files/1322861000/download/7b26f13680314d3a9b77ccfd5ee68c0e9a0d91cbb2ae45199dbd437a98f1a86b.pdf",
            "password": ""
        },
        {
            "fileName": "sbi",
            "url": "https://persist.signzy.tech/api/files/1325291961/download/114ef3c7f4ae403da5066063ba528d2995406bf274764d18ba6f80b2e0eaf6ad.pdf",
            "password": ""
        },
        {
            "fileName": "kotak",
            "url": "https://persist.signzy.tech/api/files/1333486987/download/f147d49f1cd74078bb42e0d65dc06061a4e45edd1d2249759156745dd1f1da0d.pdf",
            "password": "SAKT111"
        }
    ]
}'

Input Parameters:

Parameter	Type	Description	Mandatory/Optional
statements	Array	List of object which includes pdf link, name of pdf, password of pdf	Mandatory
statements[n].fileName	String	File name for the respective pdf urls.	Mandatory
statements[n].url	String	Url of pdf which is hosted in internet available globally.	Mandatory
statements[n].password	String	Password of respective pdf link.	Optional

Sample Response:

{
    "result": [
        {
            "fileName": "bob internet",
            "authenticity": "AUTHENTIC",
            "authenticityDetails": []
        },
        {
            "fileName": "sbi",
            "authenticity": "AUTHENTIC",
            "authenticityDetails": []
        },
        {
            "fileName": "kotak",
            "authenticity": "SUSPICIOUS",
            "authenticityDetails": [
                "PDF Created & Modified dates check failed."
            ]
        }
    ]
}

Status Codes:

CODE	MESSAGE
200 400 500	Request Successful Validation Error Server Side Error