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Customer Verification & Risk Assessment

Purpose:
Multi-layered customer identity verification, credit assessment, and risk scoring system with integration to third-party verification services.

Description:
This comprehensive verification system implements Know Your Customer (KYC) procedures, anti-money laundering (AML) checks, and sophisticated risk assessment algorithms. The platform integrates with multiple identity verification providers, credit bureaus, and fraud detection services to create a complete customer profile. The system supports both automated verification workflows and manual review processes for complex cases.

Identity Verification:

  • Document authenticity verification using OCR and AI
  • Biometric verification and liveness detection
  • Address verification and proof of residence
  • Employment and income verification
  • Integration with government databases and registries

Risk Assessment:

  • Multi-bureau credit scoring and history analysis
  • Affordability calculations based on income and expenses
  • Behavioral risk scoring using transaction patterns
  • Fraud risk assessment using machine learning models
  • Regulatory compliance screening (sanctions, PEP lists)

Device and Document Verification:

  • IMEI verification against stolen device databases
  • Device authenticity and specification verification
  • Document forgery detection using advanced algorithms
  • Cross-reference verification across multiple data sources

Business Value:
Reduces fraud losses, ensures regulatory compliance, improves customer onboarding experience, enables risk-based pricing, and provides comprehensive risk intelligence for business decisions.

POST /4.1/clients/verification (Initial customer eligibility check)​

Purpose:
Initiates comprehensive customer verification process with identity validation and risk assessment integration.

Endpoint Explanation:
[Rental Only] This endpoint allows you to verify a customer's eligibility by submitting their personal information. You provide details like name, contact information, ID documents, and other personal data. The system checks this information and returns whether the verification was successful, along with a verification ID for future reference.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/catalog/clients/verification \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "productCode": "RENTAL123",
    "segment": "B2C",
    "legalType": "NaturalPerson",
    "name": "Example Company",
    "firstName": "Jane",
    "surname": "Doe",
    "citizenship": "Portugal",
    "originCountry": "Portugal",
    "birthDate": "1985-05-14",
    "phoneNumber": "+351912345678",
    "emailAddress": "[email protected]",
    "identifiers": [
      {
        "identifier": "PASSPORT",
        "value": "AB123456",
        "validFrom": "2020-01-01",
        "validTo": "2030-01-01"
      }
    ],
    "orderValueNet": 1250.00,
    "redirectURL": "https://example.com/redirectUrl"
  }'
{
  "verificationId": "VER-67890-FGHIJ"
}

POST /v4.1/catalog/clients/verification/{verificationId}/external​

Purpose:
Submits external verification results from third-party identity providers with comprehensive validation and integration.

Endpoint Explanation:
[Rental Only] This endpoint accepts verification results from external identity verification services, document validation providers, and compliance screening systems. The system validates external verification data, integrates results with internal risk models, and maintains audit trails for regulatory compliance while supporting various verification provider formats and standards.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/catalog/clients/verification/{verificationId}/external     -H "Authorization: Bearer <token>"     -H "Content-Type: application/json"     -d '{
    "externalId": "EXT-VER-12345",
    "source": "IDENTITY_PROVIDER",
    "type": "DOCUMENT_VERIFICATION",
    "result": "APPROVED",
    "rejectionReason": null,
    "report": {
      "details": "Full verification completed successfully with high confidence score",
      "encrypted": false,
      "fileName": "verification_report_12345.pdf",
      "content": "JVBERi0xLjcKJeLjz9MKNSAwIG9iago8PC9GaWx0ZXIvRmxhdGVEZWNvZGUvTGVuZ3",
      "mimeType": "application/pdf"
    },
    "verificationDate": "2025-05-14T14:32:15Z"
  }'
{
  "verificationId": "VER-67890-FGHIJ"
}

POST /4.1/clients/verification/{verificationId}/agreements​

Purpose:
Records customer consent to required legal agreements and terms with comprehensive audit trail maintenance.

Endpoint Explanation:
[Rental Only] This endpoint captures and validates customer consent for various legal agreements, terms of service, privacy policies, and regulatory requirements. The system maintains detailed consent records, tracks agreement versions, and ensures compliance with data protection regulations while providing audit trails for legal and regulatory purposes.

curl -X POST https://api.rc.saas.bolttech.asia/clients/verification/{verificationId}/agreements \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "agreements": [
      { "code": "TERMS_OF_SERVICE", "value": true },
      { "code": "PRIVACY_POLICY", "value": true },
      { "code": "DATA_PROCESSING", "value": true },
      { "code": "MARKETING_COMMUNICATIONS", "value": false },
      { "code": "THIRD_PARTY_SHARING", "value": false }
    ]
  }'
{
  "status": "success",
  "verification_id": "{verificationId}",
  "agreements_accepted": [
    "TERMS_OF_SERVICE",
    "PRIVACY_POLICY",
    "DATA_PROCESSING"
  ],
  "agreements_rejected": ["MARKETING_COMMUNICATIONS", "THIRD_PARTY_SHARING"],
  "timestamp": "2024-03-01T14:00:00Z"
}

POST /v4.1/catalog/clients/verification/{verificationId}/affordability (Customer Affordability)​

Purpose:
Submits customer financial information for affordability assessment and credit limit calculation with comprehensive financial analysis.

Endpoint Explanation:
[Rental Only] This endpoint processes detailed financial information to assess customer affordability and determine appropriate credit limits. The system analyzes income, expenses, existing obligations, and financial stability indicators to calculate safe lending limits while complying with responsible lending regulations and internal risk management policies.

curl -X POST https://api.rc.saas.bolttech.asia/clients/verification/{verificationId}/affordability \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "productCode": "RENTAL-PREMIUM-001",
    "personalNumber": "19850315-1234",
    "firstName": "John",
    "lastName": "Doe",
    "grossIncomeAmount": 45000.00,
    "netIncomeAmount": 32500.00,
    "livingExpenses": 18000.00,
    "monthlyCredit": 2500.00
  }'

POST /v4/verify/imei​

Purpose:
Verifies device IMEI numbers against blacklists and validates device authenticity with comprehensive database checks.

Endpoint Explanation:
[Rental Only] This endpoint performs IMEI verification by checking device identifiers against global blacklist databases, stolen device registries, and manufacturer databases. The system validates device authenticity, checks for reported theft or fraud, and provides device specification verification to ensure accurate coverage and pricing.

curl -X POST https://api.rc.saas.bolttech.asia/v4/verify/imei \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "imei": "861248007147070",
    "deviceDetails": {
      "make": "Apple",
      "model": "iPhone 15 Pro",
      "purchaseDate": "2024-01-15",
      "purchasePrice": 1199.99
    },
    "verificationLevel": "comprehensive",
    "checkBlacklist": true,
    "checkStolen": true,
    "checkAuthenticity": true
  }'
{
  "imei": "861248007147070",
  "verificationStatus": "verified",
  "deviceValid": true,
  "blacklistStatus": "clean",
  "stolenStatus": "not_reported",
  "authenticityCheck": "passed",
  "deviceInfo": {
    "make": "Apple",
    "model": "iPhone 15 Pro",
    "storage": "256GB",
    "color": "Natural Titanium",
    "manufactureDate": "2023-12-10",
    "warrantyStatus": "active"
  },
  "verificationTimestamp": "2024-03-01T13:45:30Z",
  "confidence": "high"
}

POST /v4/verify/document​

Purpose:
Validates customer documents using OCR and fraud detection algorithms with comprehensive authenticity verification supported by external parties.

Endpoint Explanation:
[Rental Only] This endpoint performs document validation using optical character recognition, fraud detection algorithms, and authenticity verification techniques. The system analyzes document features, validates security elements, cross-references extracted data, and provides confidence scores for document authenticity while supporting various document types and formats.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/verify/document \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "documentType": "passport",
    "documentNumber": "AB1234567",
    "issuingCountry": "PT",
    "documentImage": "base64encodedimagedata...",
    "customerDetails": {
      "firstName": "John",
      "lastName": "Smith",
      "dateOfBirth": "1990-01-15",
      "nationality": "PT"
    },
    "verificationLevel": "comprehensive",
    "checkForgery": true,
    "extractData": true,
    "validateSecurity": true
  }'
{
  "verificationId": "DOC_VER_123456789",
  "documentType": "passport",
  "verificationStatus": "verified",
  "authenticityCheck": "passed",
  "forgeryDetection": "no_forgery_detected",
  "extractedData": {
    "documentNumber": "AB1234567",
    "firstName": "John",
    "lastName": "Smith",
    "dateOfBirth": "1990-01-15",
    "issuingCountry": "PT",
    "expiryDate": "2030-01-15",
    "issueDate": "2020-01-15"
  },
  "dataMatchConfidence": "high",
  "securityFeatures": {
    "hologram": "present",
    "watermark": "valid",
    "microtext": "verified"
  },
  "confidenceScore": 0.95,
  "verificationTimestamp": "2024-03-01T14:20:15Z"
}