4.1.3 Real-Time KYC Risk Assessment Parameters

This section describes request and response for JSON parameters.

Request JSON Parameters

Note:

The Data Type of the Account Type and Type Of Account Opening parameters are updated from String to Array.

The following table provides the list of parameters for request JSON.

Table 4-1 Request JSON Parameters

Parameter	Value Type	Description
Application ID	String	Unique Application ID generated by the onboarding system for each request. Note: This parameter is mandatory.
Request User ID	String	The person/process (ID/Name) who is sending the onboarding request to KYC system. Note: This parameter is mandatory.
Account Opening Jurisdiction	String	The jurisdiction where account is opened. Note: This parameter is mandatory.
Relationship Team Code	String	The unique relationship code of the team. Note: This parameter is mandatory.
Business Domain	String	The corresponding business domain of the applicant. Note: This parameter is mandatory.
Data Origin	String	Captures source system details responsible for onboarding requests.
SynchAPIFlag	String	To invoke the API synchronous or asynchronous manner. The output of the onboarding API changes based on the SynchAPIFlag. The expected values are Y or N. If the field is not provided, the value will be considered N.

Table 4-2 Request JSON Parameters for Prospect

Parameter	Value Type	Description
Application ID	String	Unique identification of the applicant that needs to process. Note: This parameter is mandatory.
Prospect Jurisdiction	String	The jurisdiction of the prospect.
Primary Prospect Flag	String	The flag indicates prospect as primary. Format - Y, N. Note: This parameter is mandatory.
Prospect Type	String	The type of the prospect. Note: This parameter is mandatory.
Display Name	String	Captures the display name of the prospect. Note: This parameter is mandatory.
SSN/TIN	String	Social Security Number or Tax Identification Number. Note: This parameter is mandatory.
Organization Name	String	The name of the organization.
Organization Legal Structure	String	The legal structure of the organization.
Customer Segment	String Array	Refers to the customer segment for the applicant (e.g. Retail Banking - Individual, Priority Banking, SME, Corporate Banking, Wealth Management etc,)
Country Of Incorporation	String	The country in which organization is incorporated.
Country Of Taxation	String	The country where organization pays its primary tax.
Date Of Incorporation	String	The date on which the organization is incorporated.
Is Linked to related party who is PEP	String	Flag indicating if any of the related applicant is a PEP (Y/N).
Expected to Transact with high Risk Country	String	Flag to indicate if the applicant is expected to transact with a pre-defined high risk country (Y/N).
Is National of Sanctioned Country Flag	String	Flag indicating if primary or any of the secondary applicants is national of a Sanctioned country (Y/N).
Region Company Is Licensed To Operate In	String Array	The value indicates where the company is licensed to operate in a jurisdiction (like a Special Economic Zone, Mainland).
NAICS Code	String Array	The code of North American Industry Classification System.
Website URL	String	The website URL of the organization.
Public Or Private	String	The organization is private or public.
Industry	String Array	The industry to which the organization belongs to.
CIP Verified Status	String	The Customer Identification Procedures (CIP) status of the prospect.
CIP Exempt Flag	String	The flag indicates if this prospect can be exempted from identity verification.
CIP Verified Flag	String	The flag indicates whether identity verification is done.
PEP Flag	String Array	The flag indicates whether this prospect is politically exposed person (PEP).
Family PEP Flag	String	The flag indicates whether this prospect belongs to a politically exposed person (PEP) family.
Existing Internal ID	String	Prospect identifier who is an existing customer of the institution.
Account Type	Array	The account type of the prospect.
Type Of Account Opening	Array	The account opening method of the prospect.
Length Of Relationship	Number	Risk associated with the length of relationship a prospect has with the bank or FI.
Industry	String	Industry of the prospect's employer.
Address Purpose Code	String	Purpose or usage of the address provided by the prospect. For example, Mailing Address or Business Address. Note: This parameter is mandatory.
Building Number	String	Building number of the prospect's address.
Building Name	String	Building name of the prospect's address.
Street	String	The street name of the prospect's address.
Street Line 1	String	The street lane of the prospect's address. Note: This parameter is mandatory.
Street Line 2	String	The street lane of the prospect's address.
Street Line 3	String	The street lane of the prospect's address.
Street Line 4	String	The street lane of the prospect's address.
Street Line 5	String	The street lane of the prospect's address.
Street Line 6	String	The street lane of the prospect's address.
Area	String	The area of the prospect's address.
City	String	The city of the prospect's address. Note: This parameter is mandatory.
State	String	The state of the prospect's address.
Region	String	The region of the prospect's address. Note: This parameter is mandatory.
Country	String	The country of the prospect's address. Note: This parameter is mandatory.
Postal Code	String	The postal of the prospect's address. Note: This parameter is mandatory.
Relationship Type	String	The relationship of the prospect with country. Note: This field is required only if Country parameter is provided.
Country	String	The country of the prospect. Note: This field is required only if Country parameter is provided.
Credit Rating	String	Rating for the prospect as issued by the credit rating source. Note: This field is required only if Credit Rating parameter is provided.
Credit Rating Source	String	Rating source for the prospect as issued by the credit rating source. Note: This field is required only if Credit Rating parameter is provided.
Credit Rating Score	Number	Credit rating score for the prospect as issued by the credit rating source.
Email Purpose	String	The purpose of email used for.
Email Sequence Number	String	The email sequence number.
Email Address	String	The email address of the prospect. Note: This parameter is mandatory.
Stated Total Liquid Net Worth Base	Number	The stated total liquid net worth base of the prospect.
Income Currency	String	The income currency used by the prospect.
Stated Total Net Worth Base	Number	The stated total net worth base of the prospect.
Stated Total Annual Turnover	Number	Total declared turnover amount for a legal entity.
Stated Annual Proportion of Cash Transaction	Number	Percentage Value indicating the proportion of annual cash transaction amount compared to overall annual transaction amount (e.g., 25%, 40%, etc.)
Market Served	String	The number of market days served by this organization. Note: This field is required only if Market Served parameter is provided.
Service Effective Date	String	Effective Date of the market served by this organization. Note: This field is required only if Market Served parameter is provided.
Service Expiration Date	String	Expiry Date of the market served by this organization. Note: This field is required only if Market Served parameter is provided. It is Applicable to Financial Institutions only.
Phone Purpose	String	The purpose of the phone used for. Note: This field is required only if Phone parameter is provided.
Phone Sequence Number	String	The phone sequence number. Note: This field is required only if Phone parameter is provided.
Country Code Of Phone Number	String	The country code of phone number. Note: This field is required only if Phone parameter is provided.
Phone Number	String	The prospect's phone number. Note: This field is required only if Phone parameter is provided.
Phone Extension	String	The extension of the phone number.
Document Purpose	String	The purpose of document. Note: This field is required only if Document parameter is provided.
Document Number	String	The unique number of document. Note: This field is required only if Document parameter is provided.
Document Name	String	The name of the document. Note: This field is required only if Document parameter is provided.
Machine Readable Zone 1	String	The machine readable zone 1 of the document which is provided as a reference for identity verification.
Machine Readable Zone 2	String	The machine readable zone 2 of the document which is provided as a reference for identity verification.
Issuing District	String	The document issuing district.
Issuing Province	String	The document issuing province.
Issuing City	String	The document issuing city.
Issuing State	String	The document issuing state.
Issuing County	String	The document issuing country.
Issuing Date	String	The document issuing date. Format: DD/MM/YYYY
Expiry Date	String	The document expiry date.
Issuing Authority	String	The document issuing authority.
Beneficial Owner Controlling Flag	String	Flag indicating if the beneficial owner has controlling role over the decisions of the organization. This can accept only Y or N.
Percentage Ownership	Number	The percentage of the equity/ownership held by a beneficial owner.
Relationship Code	String	The relationship the beneficial owner/related party has with the primary prospect. For example, Director, beneficial Trustee, and so on. Note: This field is required if Primary Prospect Flag is "N".
Relationship Effective Date	String	The relationship effective date. Format: DD/MM/YYYY
Relationship Expiration Date	String	The relationship expiry date. Format: DD/MM/YYYY

Response JSON Parameters

This section provides the list of parameters for response JSON.

The following parameter explains the Response field for /kycob-prospect-service/prospect/v1/add

The following table (response) is applicable only if SynchAPIFlag=N.

Table 4-3 Response JSON Parameters

Parameter	Value Type	Description
Application ID	String	Unique application ID, For example, "APP18948970808". Note: This parameter is mandatory.
Request ID	Integer	System generated unique request identification number. For example, “254697908”l. Note: This parameter is mandatory.

The following table (response) is applicable only if SynchAPIFlag=Y.

Table 4-4 Response JSON Parameters

Parameter	Value Type	Description
Request ID	String	Request ID generated for an individual. Note: This parameter is mandatory.
Status	String	The status of the request whether successful or failure. Note: This parameter is mandatory.
Case ID	String	The unique case identification if case is created in Case Investigation service. For example, “CA1004”
Application ID	String	The unique application identification. Note: This parameter is mandatory.
Onboarding Flag	String	Indicates onboarding flag whether Yes or No. KYC decision to onboard or reject the prospect. For example, “N” Note: If the process failure, this is not mandatory. This parameter is mandatory.
Risk Assessment ID	String	System generated unique risk assessment unique number. For example, “144” Note: If the process failure, this is not mandatory. This parameter is mandatory.
Applicant ID	String	Unique applicant ID. For example, “TUDEU45688” Note: If the process failure, this is not mandatory. This parameter is mandatory.
Risk Score	String	KYC risk score for the primary/non-primary prospect. For example,“84”. Note: If the process failure, this is not mandatory. This parameter is mandatory.
Risk Category	String	KYC risk category for the primary/non-primary prospect. For example,“HIGH”. Note: If the process failure, this is not mandatory. This parameter is mandatory.