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About Arvato BIG
General information about Arvato BIG
Paygate is replacing the eScore interface with the arvato interface BIG (Business Information Gateway). eScore will be shut down by mid 2016, until which time it controls access to the scoring services of Arvato Financial Solutions. As a SOAP web service BIG is based on standard technologies and can therefore be integrated with different programming languages on different platforms. BIG uses the XML Digital Signature (XML DSig) process and meets current requirements on data protection and security.
Compared to the previous interfaces it is possible to carry out the request object email address and a FakeNameCheck with BIG. BIG also supports individual applicant score results and their description wherein debt collection information is also included in the scoring.
We have added checking of personal creditworthiness and suspicion of fraud, checking of personal identity and address, suspicion of fraudulent names and email addresses and a score check in relation to credit, identity and fraud wherein the products used can be combined based on standardized data output.
In future, an interface will also enable international risk checks for Austria, Holland and Switzerland.
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Process flow chart
Process flow for Arvato BIG within Paygate
Configuration for BIG
Each merchant needs a SubclientID to set up a MerchantID for the various BIG services. The SubclientID is set up in the BIG system with arvato and it describes the merchant account at arvato and a central Computop ClientID.
The SubclientID at arvato, from which the corresponding MerchantID in Paygate is obtained, also needs to be enabled for all products.
The request reason stored in the configuration allows the Request Reason parameter to be permanently specified so that it need not be transferred in the request. See also the table of possible values in the area interface.
In the test mode the system is controlled by arvato and the test cases provided by arvato can be transferred.
Paygate interface
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Calling the interface
To request an BIG address and credit rating at Arvato Infoscore via a server-to-server connection, enter the following URL:
Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
Parameter | Format | CND | Description |
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MerchantID | ans..30 | M | MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too. |
TransID | ans..64 | O | TransactionID which should be unique for each payment |
RefNr | ns..30 | O | Unique reference number |
OrderDesc | ans..768 | O | Description of purchased goods, unit prices etc. Reference for customer and merchant |
RequestReason | a3 | O | Request reason (see below table RequestReason). Default value=ABK (credit rating) |
ProductName | ans..128 | M | Required request objects: A request may contain several different request objects e.g. Person request and Email request. However the same request cannot be used more than once. PersonRequest and NameRequest cannot be combined. Several request objects can be entered separated by a comma. e.g.: PersonCreditCheck,EmailFraudCheck (Details see below in table ProductName) |
PersonRequst | |||
CustomerID | ans..14 | O | Customer number for requesting person. The customer number is given in the random sample to check the justified interest. The customer number is needed for identification of the person in the context of the MCC products and late registration processes. |
Title | ans..30 | O | Title of nobility and/or academic title of person to be requested |
Salutation | ans..9 | O | Title of person to be requested. Valid values: Mr, Ms, company, unknown = standard |
FirstName | ans..50 | C | First name of the person queried Mandatory if ProductName contains PersonCreditCheck or PersonScoreCheck |
LastName | ans..50 | M | Last name of the person queried Possible name additions (e.g. von, van, Mc, …) are also given in this field. |
MaidenName | ans..50 | O | Maiden name of the person queried |
PersonID | ans..50 | C | Obligatory if PersonIDType is transmitted: A person ID for person to be requested. This field has no relevance for the products available in BIG V1.1. |
PersonIDType | ans..22 | C | Obligatory if PersonID is transmitted. Valid values: identitycard, passport, drivinglicence, taxnumber, socialsecuritynumber |
DateOfBirth | n8 | O | Date of birth of the person queried. The date of birth must be given in the format YYYYMMDD. |
AddrStreet | ans..100 | M | Street for address to be requested |
AddrStreetNr | ans..30 | O | House number for address to be requested. Possible house number suffix should also be given in this element |
AddrStreetNr2 | ans..50 | O | Addition to house number if existent |
AddrAddition | ans..100 | O | Further address additions like e.g. c/o or information about building |
AddrZip | ans..10 | M | Postcode for address to be requested |
AddrCity | ans..50 | M | Place name for address to be requested |
AddrState | ans..50 | O | Federal state for address to be requested |
AddrCountryCode | a3 | M | Country code of the country of origin, 3 characters according to ISO 3166 |
AddrDistrict | ans..100 | O | Information about region or district for address to be requested |
AddressFeature | a3 | O | Address feature from PersonIdentCheck: To allow a comparison with individually defined threshold values in the case of a PersonScoreCheck with address feature (see Result response parameter). Threshold values must be agreed beforehand with Computop Support. |
Name Request | |||
Title | ans..30 | O | Title of nobility and/or academic title of person to be requested |
Salutation | ans..9 | O | Title of person to be requested. Valid values: Mr, Ms, company, unknown = standard |
FirstName | ans..50 | O | First name of the person queried |
LastName | ans..50 | M | Last name of the person queried Possible name additions (e.g. von, van, Mc, …) are also given in this field. |
MaidenName | ans..50 | O | Maiden name of the person queried |
Email Request | |||
ans..50 | M | Full email address | |
FirstName | ans..50 | O | First name of the person queried |
LastName | ans..50 | O | Last name of the person queried Possible name additions (e.g. von, van, Mc, …) are also given in this field. |
Parameters for arvato BIG
Following table describes the result parameters with which the Paygate responds to your system:
Parameter | Format | CND | Description |
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MID | ans..30 | M | MerchantID, assigned by Computop |
PayID | an32 | M | ID assigned by Paygate for the payment, e.g. for referencing in batch files. |
XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate |
TransID | ans..64 | M | Merchant’s transaction number |
Status | a..50 | M | OK or FAILED If an error occurs during a check, the parameters Check, CheckDescription and CheckCode will also be returned. |
Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
Code | n8 | M | Error code according to Paygate Response Codes (A4 Error codes) |
RefNr | ans..20 | O | Your reference number (CustomerRefId in the case of BIG) |
CodeExt | n..3 | O | ReturnCode from BIG |
FirstName | ans..50 | O | Corrected first name for requested person |
LastName | ans..50 | O | Corrected surname for requested person |
AddrStreet | ans..100 | O | Corrected street for requested address |
AddrStreetNr | ans..30 | O | Corrected house number for requested address |
AddrStreetNr2 | ans..50 | O | Corredted addition to house number if existent |
AddrAddition | ans..100 | O | Corrected further address additions like e.g. c/o or information about building |
AddrZip | ans..10 | O | Corrected postcode for requested address |
AddrCity | ans..50 | O | Corrected town for requested address |
AddrState | ans..50 | O | Corrected federal state for address to be requested |
AddrCountryCode | a3 | M | Corrected country abbreviation for requested address, three characters according to ISO 3166 |
CNF | ans..12 | O | Freight guidance code for requested address. This field is only given in the context of the address verification. |
TransactionID | ans..20 | M | BIG TransactionID |
AddressFeature | ans..3 | OC | Address feature (only if ProductName=PersonIdentCheck) |
PersonFeature | ans..10 | OC | Checking feature (only if ProductName=PersonFraudCheck) |
NameFeature | ans..10 | OC | Checking feature (only if ProductName=NameFraudCheck) |
EmailFeature | ans..10 | OC | Checking feature (only if ProductName=EmailFraudCheck) |
Feature(n) | ans.. | OC | infoscore Consumer Data GmbH (ICD) information features according to table below, multiple values separated by commas. (only if ProductName=PersonCreditCheck) |
FeatureDate(n) | ans.. | OC | Feature date in the format YYYYMMDD. Multiple values separated by commas. (only if ProductName = PersonCreditCheck) |
DocReferenceOfFeature(n) | ans.. | OC | Reference number by which the feature is registered with the ICD. The field is output only if contractually agreed. (only if ProductName=PersonCreditCheck) |
CustomerResultValue | ans..1 | O | Individual applicant result value (depends on request result from BIG service and the contractually agreed configuration). Possible values R=Red, Y=Yellow, G=Green |
CustomerResultDescription | ans.. | O | Description of the individual applicant result value (depends on request result from BIG service and the contractually agreed configuration) |
ScoreType | ans..2 | OC | Score type for the calculated score (details, see ScoreType table below) (only if ProductName=PersonScore) |
ScoreValue | n..3 | OC | Calculated score value (from 0 to 999) (only if ProductName=PersonScore) |
Result | ans..9 | M | Recommended action: GREEN / RED / NO RESULT Threshold values for the credit rating request must be agreed beforehand with Computop Support. |
check | ans..128 | C | Only if Status=FAILED: Names for every failed check. Not returned in the case of Customer Insecure status. In this case the status ‘FAILED‘, code ‘22530905‘ and description ‘PROCESSING ERROR’ are returned. In the case of multiple failed checks, values are comma-separated (e.g. PersonIdentCheck,PersonCreditCheck,PersonFraudCheck). |
checkdescription | ans..1024 | C | Only if Status=FAILED: Error description for every check. Not returned in the case of Customer Insecure status. Please do not use Description but the Code parameter for the transaction status analysis! In this case the status ‘FAILED‘, code ‘22530905‘ and description ‘PROCESSING ERROR’ are returned. If multiple checks fail, the values are comma-separated (e.g. Error in AddressData, Error in AddressData). |
checkcode | ans..256 | C | Only if Status=FAILED: Error code according to Paygate Response Codes (A4 Error codes) for every single check. Not returned in the case of Customer Insecure status. In this case the status ‘FAILED‘, code ‘22530905‘ and description ‘PROCESSING ERROR’ are returned. In the case of multiple failed checks, values are comma-separated (e.g. 22531462, 22531462). |
CustomerID | ans..20 | O | Customer number for requesting person |
NewCustomer | ans..7 | O | New customer? Values: yes, no or unknown |
Result parameters for arvato BIG
The following table provides an overview of the possible values for RequestReason:
RequestReason | Description |
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ABD | Credit rating request before conclusion of a service contract |
ABF | Credit rating request before taking over / purchasing a receivable or before taking over a Delcredere risk |
ABI | Credit rating request before or in combination when initiating or executing debt collection measures |
ABK | Credit rating request before conclusion of a sales contract (particularly purchase on account or purchase by instalment) |
ABL | Credit rating request before conclusion of a leasing or a contract of lease (movables) |
ABV | Credit rating request before conclusion of a assurance contract |
ABW | Credit rating request before conclusion of contract for services |
BBS | Credit rating before conclusion of a building saving contract |
BER | Credit rating due to an investigation order (-> credit enquiry agency) |
BFT | Credit rating before opening or setting up a landline telephone account |
BFV | Credit rating before conclusion of a franchise contract |
BKA | Credit rating on application for a credit card or customer card |
BKE | Credit rating before opening an account |
BKK | Condition request for a loan |
BKV | Credit rating before granting a loan |
BMT | Credit rating before opening or setting up a mobile telephone account |
BMV | Credit rating before conclusion of a rental contract (property) |
BSE | Credit rating with written agreement |
BZV | Credit rating when checking the reliability of an insurance agent or an employee in the insurance field service |
The following table provides an overview of the possible values for ProductName:
ProductName | Description |
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PersonCreditCheck | Check credit rating of a person |
PersonIdentCheck | Check identity of a person |
PersonIdentAddress | Address check, the BIG-corrected address may be returned in the response. |
PersonScoreCheck | Score products are not differentiated according to categories Credit, Ident and Fraud. Score values describe a general payment default risk. |
PersonFraudCheck | Checking of persons for suspicion of fraud |
PersonNewCustomerCheck | Regular customer check |
EmailFraudCheck | Email address check for suspicion of fraud |
The following table provides an overview of the possible values for the response parameter Feature:
Feature | Description |
---|---|
PPB | Person can be linked to the given address |
PHB | Household can be linked to the given address |
PAB | Postal address is correct, not yet checked correct assignment to person |
PNB | Address has structural error (e.g. name missing) or recognised as fake address |
PNZ | Person cannot or can no longer be linked to the given address |
PPV | The person is died |
PPF | Incorrect or unclear postal address |
PUG | Address cannot be assigned because of relocation but AZ Direct GmbH has current address |
PXX | Check not possible due to timeout (no request calculation) |
The following table provides an overview of the possible values for the response parameter ScoreType:
ScoreType | Description |
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I | Informa score |
B | Boni score |
P | Address profile check (APC) APC is a scoring process in which the probability of payment default is calculated for the requested address based on the last 3 months. |
C | Collection behaviour check (CBC) CBC is a scoring process in which the probability of payment default is calculated based on the existing creditor reminders and payment reliability checks from the last 12 months. |
S | Status |
XC | (extern) CRIF Credit check consumer AT/CH |
Further information about testing the interface can be found on page Test Arvato BIG.