Overview
The Authentication via VNeid APIs facilitate the digital onboarding of customers by utilizing Vietnam's national electronic identification system (VNeID). By integrating customer data sharing, biometric authentication, and regulatory checks, these APIs enable banks to efficiently and securely verify the identity of customers and open accounts in compliance with anti-fraud and anti-money laundering (AML) regulations.
Why Use These APIs?
The Authentication via VNeid APIs streamline the account creation process by leveraging automated identity verification through national databases. This minimizes manual intervention, reduces errors, and ensures that only legitimate users are onboarded. Using these APIs offers:
- Secure customer identification through biometric authentication and official ID validation.
- Improved efficiency in account creation by automating verification steps.
- Compliance with legal and regulatory standards, including AML and blacklist checks.
- Reduced risk of fraud, as the system cross-references national data with the bank’s records.
Key Features
- Customer Data Verification: Verify customer details such as phone number format and uniqueness, email format, customer identification number existence,
- Biometric Validation:
- Initiate requests for data sharing or biometric authentication with VNeID, and retrieve data from Vneid
- Verify validity of the ID returned by Vneid, ensuring customers are above 18 years old and the ID is still valid.
- Face Authentication: Conduct face matching with Vneid
- Blacklist Compliance: Verify if customers are on blacklists to ensure regulatory compliance.
- Username and OTP Validation:
- Validate the customer’s chosen username for uniqueness and correct format.
- Generate OTPs for secure user verification and verify OTP before proceeding with account creation.
- Account Creation: After successful identity verification and OTP validation, create the customer’s current account and mobile app account in T24.
