Overview
Grand Central identity verification connectors enable secure customer onboarding and authentication through leading identity verification platforms. These connectors integrate advanced technologies including document verification, biometric authentication, address validation, and phone-based identity verification. Financial institutions can implement comprehensive identity verification strategies to meet Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance requirements while providing smooth user experiences.Available Identity Connectors
Onfido IDV
Comprehensive identity verification with document capture, biometric verification, and fraud detection powered by Atlas™ AI. Key capabilities:- Government-issued ID document capture and verification
- Facial biometric comparison and liveness detection
- OCR-powered data extraction
- Global data source verification
- Fraud signal detection
- Instant verification decisions with detailed reports
Prove
Mobile-based identity verification and authentication leveraging trusted data sources and phone number reliability. Key capabilities:- Auto-fill personal information using phone number and DOB/SSN
- Phone number reliability verification with Trust Score (0-1000)
- Validate manually entered data with match scores
- Frictionless mobile verification
- OTP integration for identity theft prevention
Smarty
Address verification and autocomplete services with US and international support. Key capabilities:- Address search and autocomplete with fuzzy logic
- US address enrichment with USPS database verification
- International address support with unique address IDs
- Street address metadata for US addresses
- Address standardization and parsing
SurePay
UK Confirmation of Payee (CoP) services for real-time verification of beneficiary account details. Key capabilities:- Real-time verification of payee information
- UK Payment Service Provider (PSP) compliance
- Account detail verification before payment initiation
- Reduce fraudulent activity and payment errors
- Support for individual and organization verification
Key Features
Document Verification
- ID capture: Guide users through high-quality document capture
- OCR extraction: Automatically extract personal information from documents
- Fraud detection: Detect forged or tampered documents
- Global coverage: Support for 195+ countries and multiple document types
Biometric Authentication
- Facial comparison: Match selfies/videos with ID photos
- Liveness detection: Prevent spoofing with biometric verification
- Continuous authentication: Maintain security throughout user sessions
Data Verification
- Trusted sources: Cross-reference against global data sources
- KYC/AML compliance: Meet regulatory requirements
- Credit records: Validate against credit databases
- Utility databases: Verify against utility records and voter registers
Phone-Based Verification
- Phone number reliability: Assess trustworthiness with proprietary algorithms
- Auto-fill capabilities: Reduce manual entry with verified information
- SSN verification: Validate social security numbers
- Address verification: Confirm current and previous addresses
Address Services
- Autocomplete: Provide address suggestions as users type
- Validation: Verify addresses against official databases
- Standardization: Format addresses to meet postal standards
- Enrichment: Add metadata to improve address accuracy
Payment Verification
- CoP compliance: Meet UK regulatory requirements
- Real-time verification: Instant beneficiary verification
- Match results: Clear indication of account detail accuracy
- Fraud reduction: Prevent payment fraud before initiation
Use Cases
Customer Onboarding
Streamline onboarding with automated identity verification, reducing manual review and improving time-to-activation.KYC/AML Compliance
Meet regulatory requirements with comprehensive identity verification and data validation against trusted sources.Step-Up Authentication
Implement risk-based authentication requiring additional identity verification for high-risk activities.Address Validation
Ensure address accuracy during onboarding, account updates, and shipping to reduce errors and fraud.Payment Security
Verify beneficiary details before payment initiation to prevent fraud and reduce payment errors.Account Recovery
Securely verify user identity during account recovery processes.Fraud Prevention
Detect identity fraud during onboarding and throughout the customer lifecycle.Verification Workflows
Onfido IDV Workflow
- Document Capture: User uploads government-issued ID
- Biometric Capture: User provides selfie or video
- Data Extraction: OCR extracts personal information
- Verification: Compare biometric with ID photo
- Data Validation: Cross-reference with trusted sources
- Fraud Detection: Analyze fraud signals
- Decision: Approve, decline, request additional documentation, or manual review
Prove Workflow
- Phone Verification: User enters phone number and DOB/SSN
- OTP Verification: User completes one-time password challenge
- Data Retrieval: System retrieves verified personal information
- Auto-Fill: Pre-populate forms with verified data
- Trust Scoring: Assess phone number reliability
- Validation: Verify manually entered data
Smarty Address Workflow
- Search: User begins typing address
- Suggestions: System provides verified address suggestions
- Selection: User selects correct address
- Enrichment: System adds metadata (US only)
- Validation: Verify against USPS database (US)
- Standardization: Format to postal standards
SurePay CoP Workflow
- Details Entry: User enters payee sort code, account number, and name
- Verification: System routes details to payee’s bank
- Match Result: Receive true/false match result
- Response: If false, receive reason and closest matching name
- Decision: User decides whether to proceed with payment
Integration Benefits
- Unified API: Consistent interface across identity verification connectors using Grand Central Unified API Specification
- Faster onboarding: Reduce manual review and processing time
- Improved security: Multi-factor identity verification with fraud detection
- Compliance ready: Meet KYC/AML regulatory requirements
- Enhanced user experience: Smooth, mobile-friendly verification processes
- Reduced fraud: Detect and prevent identity fraud during onboarding
- Global coverage: Support for international customers and documents
- Automated decisioning: Instant verification decisions with AI/ML
- Configurable workflows: Adapt to your institution’s requirements
- Scalable solution: Handle high-volume verification with minimal effort
- BIAN compliance: Standardized identity verification based on BIAN framework