GiroIdent provides a complete web-based solution for name verification ready for integration into webshops and other applications. GiroIdent provides the complete part of an onboarding or checkout process, in which a name verification is required, including a web user interface.

GiroIdent verifies a name given as an input parameter against the name stored as the account holder of a bank account. In order to get the account holder name, GiroIdent connects to a given bank account using credentials that the end-user provides.

How GiroIdent works for the user

GiroIdent is integrated into the partner application, for example in the checkout process of a webshop. GiroIdent provides the web user interface for the connection to the bank. The following illustration shows an example web flow of GiroIdent in a webshop.

The pages shown to the user by GiroIdent are the following:

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How GiroIdent works technologically

After GiroIdent has been integrated into the partner application, the technological process of using GiroIdent has the following steps:

1. Partner application calls GiroIdent service "Create Check“ with the parameters Name and Result Redirect URL. GiroIdent returns a GiroIdent Redirect URL.

2. Partner application "sends“ (redirects) user to GiroIdent Redirect URL.

3. The user follows GiroIdent UI and grants GiroIdent access to her bank account.

4. Once GiroIdent is finished with fetching and analysing account data it redirects the user to the provided Result Redirect URL of the partner application.

5. The partner application checks the GiroIdent result using the "Get Check” service and displays the result on the Result Page.

GiroIdent Variants and Features

The GiroIdent Basis Check variant, as described above, verifies the user’s identity via login of the user to a bank account, and by comparing his name with the account information provided by the bank.

GiroIdent Plus additionally validates the user’s details using the SCHUFA Identity Check Standard service.

GiroIdent Gwg additionally validates the user details and IBAN with the SCHUFA services Identity Check Premium and Account Check.