Check a Person

/checkpersoncdd

Method : POST
URL : https://xxx.finexusgroup.com/acdd/rest/v1/checkpersoncdd

info

This method allows the submission of a request to check whether to admit a Person as customer in accordance to the stipulated CDD rules.

The response will include:

• A recommendation on whether to accept the Person as customer.
• The evaluation of CDD rules which led to the recommendation.
• Any negative reference reports used in the evaluation is available for retrieval.

Request

Request Parameters

Field Name	Required	Type	Length	Description	Example
sourceInfo	Yes	Object		Source info.	Refer to explanation below.
interactionMode	Yes	Object		Interaction mode.	Refer to explanation below.
language	Optional	String	2	Language.	"en","ms"
purpose	Yes	String	128	Purpose.	"BASIC","ENHANCE"
applicantName	Yes	Object		Applicant name.	Refer to explanation below.
nationality	Yes	String	2	Nationality.	"SG"
idDoc	Yes	Object		ID document.	Refer to explanation below.
dob	Yes	String	16	Date of birth.	"1975-01-25"
gender	Yes	String	2	Gender.	"M","F"
email	Optional	String	256	Email.	"mkchan88@gmail.com"
race	Optional	String	64	Race.	"Chinese"
address	Optional	Object		Address.	Refer to explanation below.
pob	Optional	Object		Place of birth.	Refer to explanation below.
homeTelNo	Optional	String	16	Home telephone number.	"28760941"
officeTelNo	Optional	String	16	Office telephone number.	"28760941"
mobileNo	Optional	String	16	Mobile telephone number.	"28760941"
employment	Optional	Object		Employment details.	Refer to explanation below.
bankInfo	Optional	Object		Bank info.	Refer to explanation below.

Object: sourceInfo

Field Name	Required	Type	Length	Description	Example
source	Yes	String	16	Source.	"FNXCRDS"
partnerID	Yes	String	128	Partner ID.	"BSSS"
productType	Yes	String	128	Product type.	"loanapplication"
reference	Yes	String	64	Reference.	"50074154501001"
apiVersion	Yes	String	8	API Version.	"1.2"
apiKey	Optional	String	64	API Key.	"123KEJRU001"
userId	Optional	String	32	User ID.	"u125"
userToken	Optional	String	64	User Token.	"Cb1sci18j2UvNLsq4"

Object: interactionMode

Field Name	Required	Type	Length	Description	Example
mode	Yes	String	8	Mode.	"SYNC","ASYNC"
callbackUrl	Optional	String	256	Call back URL.	"www.google.com"

Object: applicantName

Field Name	Required	Type	Length	Description	Example
fullName	Yes	String	128	Full name.	"Hector Rafael"
givenName	Optional	String	128	Given name.	"Hector"
familyName	Optional	String	128	Family name.	"Rafael"
aliases	Optional	String	128	Aliases.	"Hector"

Object: idDoc

Field Name	Required	Type	Length	Description	Example
idType	Yes	String	32	ID type.	"MYKAD","PASSPORT","UNID","BCREGNO"
idNo	Yes	String	32	ID number.	"1234567890"
issuedByCountry	Optional	String	2	Issued by country.	"MX"
issuedDate	Optional	String	16	Issued date.	"2016-03-15"
expiryDate	Optional	String	16	Expiry date.	"2021-03-15"

Object: address

Field Name	Required	Type	Length	Description	Example
addrLine1	Yes	String	256	Address line 1.	"No 1 Jalan Manis"
addrLine2	Optional	String	256	Address line 2.	"Taman Madu"
addrLine3	Optional	String	256	Address line 3.	"KL"
city	Yes	String	128	City.	"Kuala Lumpur"
state	Yes	String	128	State.	"Selangor"
country	Yes	String	2	Country.	"SG"
postcode	Yes	String	16	Postal code.	"50200"

Object: pob

Field Name	Required	Type	Length	Description	Example
addrLine1	Yes	String	256	Address line 1.	"No 1 Jalan Manis"
addrLine2	Optional	String	256	Address line 2.	"Taman Madu"
addrLine3	Optional	String	256	Address line 3.	"KL"
city	Yes	String	128	City.	"Kuala Lumpur"
state	Yes	String	128	State.	"Selangor"
country	Yes	String	2	Country.	"SG"
postcode	Yes	String	16	Postal code.	"50200"

Object: employment

Field Name	Required	Type	Length	Description	Example
employmentType	Yes	String	128	Employment type.	"Employed","Self-employed","Unemployed"
position	Optional	String	128	Position.	"Executive"
income	Optional	String	12	Income.	"2500"
duration	Optional	String	9	Duration.	"2.5"
employer	Optional	Object		Employer.	Refer to explanation below.

Object: employer

Field Name	Required	Type	Length	Description	Example
legalForm	Yes	String	2	Legal form.	"HSBC0222"
legalName	Yes	String	128	Legal name.	"Berjaya Starbuicks Sdn Bhd"
bizName	Optional	String	128	Business name.	"Starbuicks Tea"
bizType	Yes	String	32	Business type.	"Private Limited Company"
idNo	Yes	String	32	ID number.	"948649-V"
mcc	Conditional	String	4	Merchant Category Code.	"5812"
countryDomicile	Optional	String	2	Country Domicile.	"SG"
address	Yes	Object		Address.	"Refer to explanation below."
pic	Yes	Object		Person-in-charge.	"Refer to explanation below."

Object: address

Field Name	Required	Type	Length	Description	Example
addrLine1	Yes	String	256	Address line 1.	"No 1 Jalan Manis"
addrLine2	Optional	String	256	Address line 2.	"Taman Madu"
addrLine3	Optional	String	256	Address line 3.	"KL"
city	Yes	String	128	City.	"Kuala Lumpur"
state	Yes	String	128	State.	"Selangor"
country	Yes	String	2	Country.	"SG"
postcode	Yes	String	16	Postal code.	"50200"

Object: pic

Field Name	Required	Type	Length	Description	Example
fullName	Yes	String	128	Full name.	"Hector Rafael"
givenName	Optional	String	128	Given name.	"Hector"
familyName	Optional	String	128	Family name.	"Rafael"
aliases	Optional	String	128	Aliases.	"Hector"

Object: bankInfo

Field Name	Required	Type	Length	Description	Example
bankCode	Yes	String	16	Bank code.	"HSBC0222"
accountNo	Optional	String	32	Account number.	"1340295020304"
accountName	Optional	String	128	Account name.	"Chan Mun Kit"
ownership	Optional	String	1	Ownership.	"I","J"

Response

Response Codes

Response Code	Description	Response Schema
200	Allow.	CDDPostResponse
400	Bad request.	NIL
401	Unauthorised access.	NIL
405	Forbidden access.	NIL

Response Parameters

Field Name	Required	Type	Length	Description	Example
status	Yes	Object		Status.	Refer to explanation below.
payload	Optional	Object		CDD result.	Refer to explanation below.

Object: status

Field Name	Required	Type	Length	Description	Example
sourceInfo	Yes	Object		Source information.	Refer to explanation below.
errorlist	Yes	Object		Error list.	Refer to explanation below.
status	Yes	String	16	Status.	"SUCCESS","QUEUED","FAIL"

Object: sourceInfo

Field Name	Required	Type	Length	Description	Example
source	Yes	String	16	Source.	"FNXCRDS"
partnerID	Yes	String	128	Partner ID.	"BSSS"
productType	Yes	String	128	Product type.	"loanapplication"
reference	Yes	String	64	Reference.	"50074154501001"
apiVersion	Yes	String	8	API Version.	"1.2"
apiKey	Optional	String	64	API Key.	"123KEJRU001"
userId	Optional	String	32	User ID.	"u125"
userToken	Optional	String	64	User Token.	"Cb1sci18j2UvNLsq4"

Object: errorList

Field Name	Required	Type	Length	Description	Example
msgCode	Yes	String	9	Message code.	"000"
msgText	Yes	String	128	Message text.	"Missing Parameter"

Object: payload

Field Name	Required	Type	Length	Description	Example
highriskCountry	Yes	String	2	High-risk country.	"T","F"
blacklistReport	Yes	String	2	Blacklist report.	"T","F"
scReport	Yes	String	2	Securities Commissions report.	"T","F"
maccReport	Yes	String	2	Malaysian Anti-Corruption Commissions report.	"T","F"
bnmReport	Yes	String	2	Bank Negara Malaysia report.	"T","F"
kdnReport	Yes	String	2	Kementerian Dalam Negeri report.	"T","F"
unscReport	Yes	String	2	United Nations Security Council report.	"T","F"
ofacReport	Yes	String	2	Office of Foreign Assets Control report.	"T","F"
ctosReport	Yes	String	2	CTOS report.	"T","F"
reasoning	Optional	Object		Reasoning.	Refer to explanation below.
recommendation	Yes	String	1	Recommendation.	"Accept","Reject","Manual"
threshold	Optional	String	4	Threshold.	"49"
riskScore	Optional	String	4	Risk score.	"10"

Object: reasoning

Field Name	Required	Type	Length	Description	Example
rulesEvaluated	Yes	Object		Rules Evaluated.	Refer to explanation below.
reEvaluate	Yes	String	1	Reevaluate.	"T","F"

Object: rulesEvaluated

Field Name	Required	Type	Length	Description	Example
result	Optional	String	8	Result.	"PASS","FAIL", "MANUAL", "Error"
weight	Optional	String	4	Weight.	"0"
ruleId	Optional	String	16	Rule ID.	"BLK01"
ruleDescription	Yes	String	128	Rule description.	"Check for any blacklist reference"

Example Message

Request

/checkpersoncdd POST Request

curl -X POST "https://xxx.finexusgroup.com/ACDD/rest/v1/checkpersoncdd" \
 -H "Accept: application/json" \
 -H "Content-Type: application/json" \ 
 -d '{
        "sourceInfo": {
            "source": "FNXCRDS",
            "partnerId": "BSSS",
            "productType": "Credit Card",
            "reference": "2003160192931",
            "apiVersion": "1.2",
            "apiKey": "123-KEJRU-001",
            "userId": "mkchan",
            "userToken": "APPOKJSID8J1234"
        },
        "interactionMode": {
            "mode": "SYNC",
            "callbackURL": "www.abc.com"
        },
        "language": "en",
        "purpose": "ENHANCE",
        "applicantName": {
        "fullName": "Hector Rafael",
        "givenName": "Hector",
        "familyName": "Rafael",
        "aliases": ["Hector"]
        },
        "idDoc": {
            "idType": "MYKAD",
            "idNo": "1234567890",
            "issuedByCountry": "MX",
            "issuedDate": "2016-03-15",
            "expiryDate": "2021-03-15"
        },
        "nationality": "SG",
        "dob": "1975-01-25",
        "gender": "M",
        "race": "Chinese",
        "email": "mkchan88@gmail.com",
        "address": {
            "addrLine1": "No 1 Jalan Manis",
            "addrLine2": "Taman Madu",
            "addrLine3": "KL",
            "city": "Kuala Lumpur",
            "state": "Selangor",
            "country": "SG",
            "postcode": "50200"
        },
        "pob": {
            "addrLine1": "No 1 Jalan Manis",
            "addrLine2": "Taman Madu",
            "addrLine3": "KL",
            "city": "Kuala Lumpur",
            "state": "Selangor",
            "country": "SG",
            "postcode": "50200"
        },
        "homeTelNo": "28760941",
        "officeTelNo": "28760941",
        "mobileNo": "28760941",
        "employment": {
            "employmentType": "Employed",
            "position": "NRIC",
            "duration": "2.5",
            "income": "2500",
            "employer": {
                "legalForm": "HSBC0222",
                "legalName": "Berjaya Starbuicks Sdn Bhd",
                "bizName": "Starbuicks Tea",
                "bizType": "Private Limited Company",
                "idNo": "948649-V",
                "mcc": "5812",
                "countryDomicile": "SG",
            "address": {
                    "addrLine1": "No 1 Jalan Manis",
                    "addrLine2": "Taman Madu",
                    "addrLine3": "KL",
                    "city": "Kuala Lumpur",
                    "state": "Selangor",
                    "country": "SG",
                    "postcode": "50200"
                },
                "pic": {
                    "fullName": "Hector Rafael",
                    "givenName": "Hector",
                    "familyName": "Rafael",
                    "aliases": ["Hector"]
                }
            }
        },
        "bankInfo": {
            "bankCode": "HSBC0222",
            "accountNo": "1340295020304",
            "accountName": "Chan Mun Kit",
            "ownership": "I" 
        }
}
'

Response

/checkpersoncdd POST Response

{
     "status":{
            "sourceInfo": {
                "source": "FNXCRDS",
                "partnerId": "BSSS",
                "productType": "BSSS01",
                "reference": "50074154501001",
                "apiVersion": "1.2",
                "apiKey": "123KEJRU001",
                "referenceId": "50074154501001",
        },
        "errorList": [
          {
             "msgText": "Report unsuccessfully retrieved.",
             "msgCode": "404"
          },
        ],
        "status": "SUCCESS"
    },
    "payload": {
        "status": {
            "sourceInfo": {
                "source": "FNXCRDS",
                "partnerId": "BSSS",
                "productType": "BSSS01",
                "reference": "50074154501001",
                "apiVersion": "1.2",
                "apiKey": "123KEJRU001",
                "userId": "u125",
                "userToken": "Cb1sci18j2UvNLsq4"
            },
            "errorList": [
                {
                    "msgText": "Report unsuccessfully retrieved.",
                    "msgCode": "404"
                }
            ],
            "status": "SUCCESS"
        },
    "payload": {
            "highriskCountry": "F",
            "blacklistReport": "F",
            "scReport": "F",
            "maccReport": "F",
            "bnmReport": "F",
            "kdnReport": "F",
            "unscReport": "F",
            "ofacReport": "F",
            "ctosReport": "F",
            "reasoning": {
                "rulesEvaluated": [
                    {
                        "result": "FAIL",
                        "weight": 50,
                        "ruleId": "FATF01",
                        "ruleDescription": "Check for high-risk country"
                    },
                    {
                        "result": "FAIL",
                        "weight": 50,
                        "ruleId": "BLK01",
                        "ruleDescription": "Check for any blacklist reference"
                    },
                    {
                        "result": "PASS",
                        "weight": 0,
                        "ruleId": "SC01",
                        "ruleDescription": "Check for any security commission reports"
                    },
                    {
                        "result": "PASS",
                        "weight": 0,
                        "ruleId": "MACC01",
                        "ruleDescription": "Check for any malaysian anti-corruption commission reports"
                    },
                    {
                        "result": "PASS",
                        "weight": 0,
                        "ruleId": "BNM01",
                        "ruleDescription": "Check for any malaysian national bank reports"
                    },
                    {
                        "result": "PASS",
                        "weight": 0,
                        "ruleId": "KDN01",
                        "ruleDescription": "Check for any ministry of home affairs reports"
                    },
                    {
                        "result": "FAIL",
                        "weight": 25,
                        "ruleId": "UNSC01",
                        "ruleDescription": "Check for any united nation security council reports"
                    },
                    {
                        "result": "FAIL",
                        "weight": 21,
                        "ruleId": "OFAC01",
                        "ruleDescription": "Check for any office of foreign assets control reports"
                    },
                    {
                        "result": "PASS",
                        "weight": 15,
                        "ruleId": "PRE01",
                        "ruleDescription": "Check for pre-approval recommendation"
                    },
                    {
                        "result": "PASS",
                        "weight": 0,
                        "ruleId": "CS01",
                        "ruleDescription": "Check for any CTOS reports"
                    }
                ],
                "reEvaluate": "F"
            },
            "recommendation": "Accept",
            "threshold": 49,
            "riskScore": 0
        }
    }
}