Overview
Fintech / Service providers increasingly need a secure and reliable means to validate Customers based on the customer data collected from the field or during registration. API Banking of Federal Bank exposes Dedupe_Chk API in order to cater to this need. Service providers can use this API to validate a Customer by providing data collected by them. API accepts one or more of up to 5 such customer attributes, searches the Bank records for a matching Customer record, and returns appropriate status.
Following are the capabilities of this API:
• Any one of the 5 attributes - PAN Number, Aadhaar Number, Passport Number, Driving License Number and Voter ID – is mandatorily required, as a rule. This can be customized to satisfy Fintech’s need, on request to API Support Team. For example, a Fintech called Nira can specify that PAN as well as Driving License to be mandatorily passed for them to use the API. Similarly, another Fintech can specify that only Passport Number should be mandatory, and so on. API will validate such rules and return failure message when violated.
• In a single request, any number of the 5 attributed could be passed, meeting the mandatory field rules applicable to the Fintech.
• API will respond with the following Ddupe Flag value based on the input parameters, as applicable:
o If the API finds a single Customer ID in the Bank’s record matching all the attributes passed in the input, it will respond with a Dedupe Flag of ‘Y’.
o N - If no Customer ID is found
o E1 - More than 1 Customer ID found in the Bank’s record, matching all the attributes.
o F – Any system level failure