Philippines Residential Check

Overview

The Philippines Residential Check API facilitates the verification of personal and residential details against local databases to ensure accuracy and reliability of the information provided. This API is tailored for organizations requiring precise address verification to mitigate risks associated with fraud and ensure compliance with local regulations. The data sources are verified against Filipino Regulatory Bodies - Bangko Sentral ng Pilipinas (BSP), Anti-Money Laundering Council (AMLC), Securities and Exchange Commission (SEC Philippines), Insurance Commission (IC)

Usecase

This API is utilized extensively by banks, real estate agencies, and utility companies, among others, to confirm the authenticity of the residential addresses provided by their customers. It supports:

Customer Onboarding: Verifying the correctness of residential details provided during the onboarding process.
Risk Management: Helping in the assessment and mitigation of risks associated with falsified address information.
Regulatory Compliance: Assisting entities in meeting local compliance requirements by verifying customer details accurately.

API Details

Request Body

curl --location 'https://api.sig.app/api/v3/global-kyc/verify/ph/credit-bureau' \
--header 'Authorization: <----Auth Token---->' \
--header 'Content-Type: application/json' \
--data-raw '{
    "firstName": "Lanie",
    "lastName": "Avida",
    "middleName": "G",
    "dateOfBirth": "1960-09-25",
    "addressLine1": "Cebu Region 7",
    "addressLine2": "Tangil",
    "addressLine3": "Dumanjug",
    "addressLine4": "Cebu",
    "addressLine5": "6035",
    "identityInformation": {
        "nationalIdNumber": "1023456789",
        "nationalIdType": "SSS"
    },
    "consent": true
}'

Request Body Parameters

Parameter	Type	Description	Required
firstName	String	First name of the individual	Yes
lastName	String	Last name of the individual	Yes
middleName	String	Middle name of the individual	No
dateOfBirth	Date	Date of birth (format: YYYY-MM-DD)	Yes
addressLine1 to 5	String	Components of the residential address	No
identityInformation	Object	Container for identity details	Yes
nationalIdNumber	String	National identification number	Yes
nationalIdType	String	Type of national ID (e.g., SSS, TIN)	Yes
consent	Boolean	Consent from the individual to perform verification	Yes

Response Body

{
    "result": {
        "verificationResult": {
            "firstName": true,
            "middleName": true,
            "lastName": true,
            "dateOfBirth": true,
            "addressLine1": true,
            "addressLine2": true,
            "addressLine3": true,
            "addressLine4": true,
            "addressLine5": true,
            "nameMatchScore": "1.000",
            "addressMatchScore": "1.000"
        },
        "verificationStatus": "Verified",
        "reason": "All elements verified"
    }
}

Response Body Parameters

Parameter	Type	Description
verificationResult	Object	Detailed results of the individual data fields verified against the credit bureau data.
firstName	Boolean	Result of the first name verification; true if it matches the credit bureau records, false otherwise.
middleName	Boolean	Result of the middle name verification; true if it matches, false otherwise.
lastName	Boolean	Result of the last name verification; true if it matches, false otherwise.
dateOfBirth	Boolean	Result of the date of birth verification; true if it matches, false otherwise.
addressLine1	Boolean	Verification result for the first line of the address; true if it matches, false otherwise.
addressLine2	Boolean	Verification result for the second line of the address; true if it matches, false otherwise.
addressLine3	Boolean	Verification result for the third line of the address; true if it matches, false otherwise.
addressLine4	Boolean	Verification result for the fourth line of the address; true if it matches, false otherwise.
addressLine5	Boolean	Verification result for the fifth line of the address; true if it matches, false otherwise.
nameMatchScore	String	Numerical score representing the match quality of the name with the credit bureau records.
addressMatchScore	String	Numerical score representing the match quality of the address with the credit bureau records.
verificationStatus	String	Overall status of the verification, typically "Verified" or "Not Verified".
reason	String	Description of why certain fields did not verify, listing all fields that were not verified.

Error Code and Response Mapping

{
  "error": {
     "name": "error",
     "message": "Internal server error",
     "status": 500,
     "reason": "ERROR",
     "type": "Bad Request",
     "statusCode": 500
  }
}

Field	Type	Description
name	string	Text displayed on the screen explaining error type.
reason	string	Reason for the error.
status	number	HTTP status code.
message	string	Error message indicating an upstream error.
type	string	Error type.
statusCode	number	Status code representing the error scenario.

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