Compliance Checks

Last changes: 04-08-2019

With our Compliance Services we are offering the functionalities required to comply with regulatory requirements in regards to online sales.

The Compliance check process includes following components:

  • Check of Individual Blacklist of a given acceptance point / market place operator or by Brand
  • Check of different sanction lists, can be selected individually
  • Check of PEP lists (only if required by Acceptance point / Market place or otherwise PEP is excluded from checks)
  • Check of different law enforcement lists, can be selected individually.

In case of exact match, the compliance check is interrupted, and the system delivers a RED traffic light back to the request issuing system.

Perform a Compliance Check

The following section will describe the procedure and results of a person compliance check and can be analogously applied to a company compliance check (see API method 1.111 Perform Company Compliance Check).

Call the API method 1.101 Perform Person Compliance Check and specify as much individual-related information as possible, e.g. customer name, address, birthdate, etc.

Compliance Check Request

Path:

POST {Base URL}/compliance/personCheck

Header:

Content-Type: application/json
Accept-Language: en-US
X-Auth-Token: X-Auth-Token: H4sIAAAAAAA{partial omission for brevity}EAN2bJ/6l2XX+A5kJqdP+MwAA

{
    "partnerReference": "COMPLIANCE-CHECK-D4CE1ABB1676E3DF5BB44",
    "programCode": "COMPANY123",
    "customerId": "100001073541",
    "firstName": "Jacob",
    "lastName": "Smith",
    "street": "Anystreet",
    "house": "321",
    "postalCode": "12345",
    "city": "Anycity",
    "countryCode": "DE",
    "dateOfBirth": "1965-01-01",
    "gender": "MALE",
    "localDate": "2018-11-12",
    "localTime": "163835"
}

Compliance Check Response

Status Code:

200 (OK)

Header:

Content-Type: application/json
Accept-Language: en-US

{
    "partnerReference": "COMPLIANCE-CHECK-D4CE1ABB1676E3DF5BB44",
    "programCode": "COMPANY123",
    "complianceData":
    {
        "archiveId": "4108000025015465",
        "trafficLight": "YELLOW",
        "hitType": "SL",
        "manualReview": true,
        "details":
        [
            {
                "name": "Jacob Smith",
                "birthdate": "19660201",
                ...
            },
            {
                "name": "Jacob Smith",
                "birthdate": "19660201",
                ...
                },
            ...
        ] ,
        "listHit": true
    },
    "localDate": "2018-11-12",
    "localTime": "163835",
    "sysDate": "2018-11-12",
    "sysTime": "153837",
    "responseCode": "0000",
    "responseDescription": "Successful execution."
}

The result of the compliance check is summarized in the parameter “trafficLight” and can take on the following values:

Value

Explanation

“RED”

Hit.

“YELLOW”

Unsure hit.

“GREEN”

No hit.

We receive an unsure hit in our example response, because no perfect match, but similar entries (differing birthdates) could be found for the provided personal data.

Each found entry is stored as an array item in the parameter “details” and consists of a list of “name” -> “value” pairs.

 

Due to regulatory requirements, a person or company must not be part of one of the following lists (see parameter “hitType”):

Value                                   

Explanation

“SL”

Sanctions List

“BL”

Blacklist

“PEP”

Politically Exposed Person

 

If the check result has been manually added to the compliance white/black list, the parameter “listHit” is set to “True.