# Non-normalized information services

This page contains information about non-normalized information services, which means that the responses will vary in content and format depending on the specific service being used. Non-normalized information services are being phased out, so we recommend that you integrate towards our normalized service if you are building a new integration. To find out about normalized information services, refer to About lookups and monitoring.

# Overview of available lookup services

By clicking each link on the Name column, you can access more information about each service.

Name Country Type of lookup
Arvato Digital Identity Check Germany Person
BankID AML Norway Person / Organization
Bisnode Several Person / Organization
Brønnøysund Norway Organization
Companies House UK Organization
Folkeregisteret Norway Person
Infotorg Ajour Norway Person
KvK (Kamer van Koophandel) The Netherlands Organization
Schufa Identity Check Germany Person
Trapets Several Person

# Arvato Digital Identity Check

Arvato, a division of Bertelsmann based in Germany, offers information technology services and risk management solutions. Their Risk Management System offers checks to see if a customer is fraudulent and solvent by aggregating several internal and external services via a decision engine. This includes identity and address validation, solvency records and fraud checks (among others).

Signicat supports address validation through Arvato’s Digital Identity Check (DIC). This service makes it possible to check if the requested person can be identified at the specified address. Signicat’s implementation of the service requires the customer to provide a first and last name, and a valid address consisting of a street, postcal code, city, and country (only German addresses are supported by Arvato). The result of the address verification is returned as a predefined letter code.

For further information about the integration, refer to the Arvato Digital Identity Check API.

# BankID AML

BankID AML is aimed at companies that need to perform KYC (Know Your Customer) or AML (Anti-Money Laundering) checks towards natural persons or organizations in Norway.

Information about organizations can be retrieved in the context of a B2B customer due diligence process, or when onboarding a business customer.

Information about natural persons can be retrieved in the context of a B2C or B2B customer due diligence process, or as part of the customer onboarding process. In B2B contexts, information about natural persons is retrieved after obtaning information about the relevant roles within the organization (e.g. board members, UBOs, CEO). This means that, after performing a B2B check on the organization, a B2C check can be carried out on each of the natural persons that hold the relevant roles.

You can access the BankID AML service through the RetrievePersonInformation and RetrieveOrganizationInformation endpoints of the Signicat Express API. Additionally, you may also combine an authentication or signature flow with a BankID AML lookup. For authentication, set the include field to resource.vipps_aml_person in the Create session endpoint. For signature, you have to set the types field in extraInfo to vippsAmlPerson in the Create signer endpoint.

For further information about BankID AML, refer to the Bank ID documentation.

# Bisnode

There are several services which are provided through Bisnode. The following list summarizes them:

  • Trapets via Bisnode: This service checks whether a natural person is a PEP or on a sanctions list.
  • Bisnode credit check: This service allows you to check the credit of organizations in Norway. You can access this service through the Perform credit check endpoint of the Signicat Express API.
  • Bisnode credit score: This service allows you to check the credit of natural persons in Norway. You can access this service through the Run credit check endpoint.
  • Bisnode ForetaksInfo search: This service allows you to obtain basic information from the business registry for organizations in Norway. For further information, refer to the Bisnode API documentation.
  • Bisnode InfoRequest: This service allows you to obtain basic information from the business registry for organizations in Norway. For further information, refer to the Bisnode API documentation.
  • Bisnode Matchit: This service allows you to obtain basic information from the business registry for organizations in Norway. For further information, refer to the Retrieve information from Matchit endpoint documentation.
  • Bisnode Personsøk: This service allows you to verify the addresses of natural persons in Norway. For further information, refer to the SWS documentation.
  • Bisnode prokura: This service allows you to check the power of attorney authorizations for organizations in Norway. For further information, refer to the SignatureRolesCheck documentation.

# Brønnøysund

Brønnøysund is the registry of businesses in Norway, so it allows you to look up basic information about Norwegian organizations (e.g. organization number, name, address, and website). For further information, refer to the Brønnøysund website.

# Companies House

Companies House is the United Kingdom registrar of companies and is an executive agency of the government. This entity is responsible for the Companies House API , which allows you to retrieve information on companies in the United Kingdom. For further information about how to use this service, refer to the Companies House API documentation. Through this service, you can obtain basic information about UK companies, in addition to a list of people who hold significant roles within a company or UBOs.

# Folkeregisteret

With Folkeregisteret, you can verify the address of natural persons in Norway. For further information, refer to the Folkeregisteret website.

# Infotorg

With Infotorg, you can obtain basic information about companies in Norway. Among this information is: the name of the company, its registration number, addresses, industry, legal form, activities, employees, and registration date. For further information, refer to the Infotorg website (in Norwegian).

# Kamer van Koophandel (KvK)

The Dutch Chamber of Commerce (KvK, from Dutch “Kamer van Koophandel”) offers a lookup service that makes it possible to check if a specific natural person has a legal mandate that allows them to represent a specific organization in the Netherlands. Through Signicat, this service is provided as a plugin and in combination with iDIN, an eID method which is used to authenticate the person’s identity in the first place. KvK lookups can be used to expand the functionality of iDIN in a variety of situations; for instance, if a merchant needs to close a contract with another company, KvK can be used to verify that the person signing the contract has the legal right to do so.

One of the advantages of using KvK through Signicat is that, by integrating towards the Signicat Identity Platform, you will be able to use not just KvK, but also all the other lookups, eID methods and other services offered by Signicat. Additionally, since KvK is used in combination with iDIN, the likelihood of errors being introduced during the identity verification process is lowered. However, the main advantage of using KvK through Signicat is that all the necessary verifications that must normally be done manually are automated. Since there are a lot of variables that can affect the outcome of the verification, automating this process is a great step towards improved efficiency.

KvK lookups can be very useful in B2B contexts. For instance, when a company is hired by another company to conduct accounting-related activities. In this sort of scenario, where contracts need to be signed, it is important to ensure that the person who signs has a relevant legal mandate. Using KvK through Signicat makes this process convenient for both parties, especially considering the complexity of the validation that must be carried out.

For further information, refer to the iDIN/KvK API documentation.

# Schufa Identity Check

Schufa Identity Check is a verification service used in Germany for validating a customer’s identity. Schufa Holding AG is a German private credit bureau supported by creditors. Schufa’s purpose is to protect its clients from credit risks. It also offers protection from insolvency to borrowers.

Signicat supports identity and address validation through Schufa’s Identity Check Premium. This premium version includes:

  • Schufa’s standard Identity Check: This provides a comparison of the inquiry data with the person’s identity and address data stored at the Schufa server. The check returns a percentage match score of the similarity of the comparison data of the individual data fields. In addition, it returns a total match score that results from the individual match scores. The check also recognises alternative spelling and common spelling mistakes.
  • Schufa’s Identity Check Premium: This is an extension of the standard product. It is used by contractual partners that are legally obligated to check the identity and verify age in accordance with Section 5 JMStV (Interstate Treaty on the protection of minors). The check confirms that a person is known to Schufa and at the same time verifies the stated date of birth. In addition, the report contains information regarding proven identity, e.g. by means of an identity document presented to a bank and/or upon provision of a Schufa self-enquiry report.

For further information, refer to the Schufa Identity Check API documentation.

# Trapets

Trapets is a lookup service that allows you to check whether a natural person is a PEP or on a sanction list. To know more about the service and how to use it, refer to the Trapets API documentation. For further information, refer to the Trapets website.

Last updated: 12/2/2020, 2:51:21 PM