Identity Check enables merchants to perform checks against the following UK databases:
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Current and Historical ER (Electoral Role)
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Telephone Directory, including Ex Directory
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Fraud database
Additional Databases
SecureTrading Identity Check also allows you access to traditionally expensive data sources such as credit reference and sanction lists all for the same low price.
These additional databases are:
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Directors Report
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Credit Reference Files
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A number of Sanctions lists
Access to these additional databases allows you full KYC compliance as well as to Anti-Money Laundering legislation.
To access additional databases you will be required to apply for a unique username, due to the accessing of credit reference files. You will also need a data protection number for this. For more information on this contact Sales on the contact details below.
Benefits of SecureTrading Identity Check
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Databases Used – In depth
Dataset |
Description |
Electoral Roll |
Provides an excellent identity almanac. The electoral roll used also includes the period where the unedited electoral roll was available up to 2002. Electoral role now also offers a DOB matching facility. |
Telephony directory including Ex Directory |
A database of all publicly available telephone numbers which for publicly available records returns name/address and telephone number match. Where the record is Ex Directory we return a flag to identify that the record is a match but do not return the matched name/address. |
Directors Database |
This database contains names and addresses of company directors taken from companies’ house. The data uses current and historic data which has significant identity checking benefits. |
Credit Reference Agency |
Lender data of credit files for individuals. This indicates where an individual is registered as financially active at the stated address on the records held by the bank, mortgage lender, loan provider, Credit Card record for that address. Additional to this data file also stores Date Of Birth and thus allows matching on this key indicator. |
Fraud database |
The Fraud database is a shared database where merchants pool information on fraudulent transactions. By sharing data merchants can be alerted in real time to previously identified fraudsters before they transact with them. |
Please note, in order to search against the credit reference database the merchant will be required to gain permission to use the service. In order to find out how to do this contact your Account Manager on 0800 028 9151 or email sales@securetrading.com.
