W2 Data EKYC CA 005 Service

An identity check service for Canada

W2 Data EKYC CA 005 Service

W2 Data EKYC CA 005 is an identity verification service for Canada. It uses Credit Reference Data, Telephone Directory, Passports and ID Card. This service will leave a credit lenders footprint.

Query Data

The following QueryData elements pertain to this service.

Property Name Type Length Optional/Mandatory Notes
Forename
String
15 Mandatory  
MiddleNames
String
15 Optional  
Surname
String
30 Mandatory  
Gender
String
  Optional Must be 'M' or 'F' if provided
DayOfBirth
Integer
2 Optional  
MonthOfBirth
Integer
2 Optional  
YearOfBirth
Integer
4 Optional  
HouseNameNumber
String
26 Mandatory if no HouseName or HouseNumber given  
HouseName
String
26 Mandatory if no HouseNameNumber or HouseNumber given  
HouseNumber
String
26 Mandatory if no HouseNameNumber or HouseName given  
Street
String
255 Mandatory  
Region
String
2 Mandatory Must be a Canadian province code in two letter format, e.g. "AB"
City
String
100 Mandatory  
Postcode
String
5 Mandatory  
Phone Number
String
16 Optional Please provide the phone number as one contiguous set of numbers with no other characters or spaces.
PersonalId
String
11 Optional

Personal ID is US Social Security Number and can be in either of these formats:

'xxx-xxx-xxx' or  'xxxxxxxxx'

After performing the search, the validation result (pass, fail, etc.) will be part of the TransactionInformation returned for the service call.

Request

The following is an example request:

<QueryData>
<City>Edmonton</City>
<Forename>Robert</Forename>
<Gender>M</Gender>
<HouseNameNumber>3688</HouseNameNumber>
<Postcode>T5J 2R4</Postcode>
<Region>AB</Region>
<Street>184th Street</Street>
<Surname>Beck</Surname>
</QueryData>

Response

The following is an example of a typical response:

<W2DataEkycUs005Result>
<CreditReference />
<DriverLicence />
<Passport />
<SearchRef>F4C330D5-20AF-458A-8CE3-38C38A787F65</SearchRef>
<Summary>
<DecisionMatrix>
<Code>W2DMCAN</Code>
<Decision>
<Outcome>0</Outcome>
<Reason>Individual has matched name and address to the Credit Reference</Reason>
</Decision>
<Name>W2 Global Canadian DM</Name>
<Rules>
<RuleList>
<!-- THERE WILL BE MANY OF THESE -->
<Rule>
<Code />
<Id>CreditReference Datablock USA-2690</Id>
<Name>BSO/CAN/CRA/Fraud</Name>
<Outcome />
<Reason>Reason Not Applicable as Outcome Not Triggered</Reason>
</Rule>
</RuleList>
</Rules>
</DecisionMatrix>
<KYCSummary>
<Address>
<Count>3</Count>
</Address>
<Alerts>
<Count>0</Count>
</Alerts>
<DateOfBirth>
<Count>0</Count>
</DateOfBirth>
<FullNameAndAddress>
<Count>3</Count>
</FullNameAndAddress>
<SurnameAndAddress>
<Count>3</Count>
</SurnameAndAddress>
</KYCSummary>
<ReportSummary>
<DatablocksSummary>
<DatablockSummaryList>
<DatablockSummary>
<Decision />
<Name>Telephony</Name>
</DatablockSummary>
<DatablockSummary>
<Decision />
<Name>Telephony</Name>
</DatablockSummary>
<DatablockSummary>
<Decision>-1</Decision>
<Name>CreditReference</Name>
</DatablockSummary>
</DatablockSummaryList>
</DatablocksSummary>
</ReportSummary>
</Summary>
<Telephony>
<ErrorCode />
<ErrorMessage />
<Summary />
<TelephonyRecord />
<Type>NoMatch</Type>
</Telephony>
</W2DataEkycUs005Result>

The following tables give more detail about the various response elements:

Property Name Type Description
SearchRef
String
Unique identifier for this search
Summary
Summary
Summary of information returned from various data sources
Telephony
TelephonyResult
Results of check from telephone records
DriverLicence
DriverLicenceResult
Results of check from driving licence records
Passport
PassportResult
Results of check from passport records
CreditReference
CreditReferenceResult
Results of credit check
Property Name Type Description
KYCSummary
KYCSummary
Summary of KYC result
ReportSummary
ReportSummary
Summary of individual source checks
DecisionMatrix
DecisionMatrix
Block containing 2 + 2 matching result
Property Name Type Description
FullNameAndAddress
FullNameAndAddressKYCSummary
Count of name+address matches
SurnameAndAddress
SurnameAndAddressKYCSummary
Count of surname+address matches
Address
AddressKYCSummary
Count of address matches found
DateOfBirth
DateOfBirthKYCSummary
Count of date of birth matches
Alerts
AlertsKYCSummary
Count of alert matches found

A report summary contains a few nested items that resemble the follwoing:

<ReportSummary>  
  <DatablocksSummary>
<!-- Can contain multiple DatablockSummary elements -->

<DatablockSummary>
<Name>{ Name of the source }</Name>
<Decision>{ Result (1: Pass, 0: Refer, -1: Fail) }</Decision>
</DatablockSummary>
</DatablocksSummary>
</ReportSummary>

Block containing 2 + 2 matching result.

<DecisionMatrix>
  <Code>W2DMCAN</Code>
  <!-- Decision: Contains final result of 2 + 2 matching -->
<Decision>
<!-- Outcome: Final result of 2 + 2 matching --> <Outcome>-1</Outcome>
<!-- Reason: Explanation for result-->
<Reason>Customer Has Not Passed Our Requirements - No Matches Found</Reason> </Decision> <Name>W2 Decision Matrix USA</Name>
<!-- Rules: List of checks that contributed to 2 + 2 matching result -->
<Rules> <RuleList> <!-- A collection of rule elements-->
<Rule> <Code /> <Id>CreditReference Datablock USA-2709</Id> <Name>BSO/CAN/Bespoke/Nam/DOBAddress/Mismatch</Name> <Outcome /> <Reason>Reason Not Applicable as Outcome Not Triggered</Reason> </Rule> </RuleList> </Rules> </DecisionMatrix>

 

Sandbox

   <QueryOptions>
        <KeyValueOfstringstring>
            <Key>Sandbox</Key>
            <Value>true</Value>
        </KeyValueOfstringstring>
    </QueryOptions>

If the Sandbox query option is set to "true" then the following results can be achieved:

PASS

If the following details are set, a single fictitious match is returned in W2DataEkycUs005Result 

City: "Edmonton"
DayOfBirth: 12
Forename: "Robert"
HouseNameNumber: "3688"
MonthOfBirth: 12
Postcode: "T5J 2R4"
Region: "AB"
Street: "184th Street"
Surname: "Beck"
YearOfBirth: 1969

The corresponding entry in ServiceTransactions will show the following properties:

HaltTriggered: False
ServiceTransactionResult: Success
ServiceInterpretResult: Pass
ServiceTransactionResultMessage: "This call was generated using sandbox mode"
ValidationResult: NotApplicable

FAIL

If the following details are set, a single fictitious match is returned in W2DataEkycUs005Result 

City: "Ottawa"
DayOfBirth: 06
Forename: "Paul"
HouseNameNumber: "4414"
MonthOfBirth: 03
Postcode: "K1P 5J4"
Region: "ON"
Street: "Thurston Dr"
Surname: "Shea"
YearOfBirth: 1993

The corresponding entry in ServiceTransactions will show the following properties:

HaltTriggered: False
ServiceTransactionResult: Success
ServiceInterpretResult: Fail
ServiceTransactionResultMessage: "This call was generated using sandbox mode"
ValidationResult: NotApplicable

 

Otherwise a fictitious no-match is returned.

The corresponding entry in ServiceTransactions will show the following properties:

HaltTriggered: False
ServiceTransactionResult: Success
ServiceInterpretResult: NotApplicable
ServiceTransactionResultMessage: "This call was generated using sandbox mode"
ValidationResult: NotApplicable