The URU Service allows the identity of your customers to be verified, using data collected from the customer. The Service can be used in many different ways, for example:
-to ensure the customer is over a certain age
-to verify current or past address details
-to prevent identify fraud
Once the details have been collected and sent to DataCash, they are immediately sent to the GB Group for verification. GB Group's URU Verification Service checks the information against a wide range of sources - including the Electoral Roll and Deceased Register - and returns the results. The full results are then passed back to your systems via DataCash, where they are used to decide whether to proceed to a Credit/Debit Card or BACS Payment transaction.
Before you can go live with this Service you will need the following:
an account set up with DataCash,
an account set up with GB Group's URU Verification Service
the ability to send XML transactions to the DataCash Payment Gateway.
DataCash provide two transactions types with which to access the URU Service:
Performs verification based on the data provided
Verifies data & returns result in real time
Returns the result of a previous transaction
Allows the results of an existing
Each transaction type requires specific information to be provided. In addition to the transaction type specific information, all transactions also require:
password - these are security details that identify your DataCash account
A unique reference generated by your system - to allow transactions to be distinguished from each other
the transaction type - either
Support is also available to submit information in the transaction to allow different URU accounts to be used for different transactions. Login details for the account that should be used need to be supplied for this type of transaction
Many pieces of information can be used to authenticate a customer. At least one from the following list must be gathered to enable authentication.
Date of birth
Residence status at current address
Up to three previous addresses
Dates of residence at each address
Full or partial Passport details, for both UK and International passports
Birth details - country of birth and mother's maiden name
Details from household telephone and electicity bills
Credit or debit card information
Driving licence details
Current employment status
Full details of the exact data and it's format are available in the Developers Guide
To perform a
get_log_by_authentication_id transaction, the reference number returned with the result of the authentication is required.
There are two basic response types which can be returned from the Service:
All DataCash responses will contain a status code, status message, time, DataCash reference number. There will be additional data in the responses depending on the type of the transaction.
An Accepted transaction returns the results of the URU verification.
Each element of the URU service used for verification will return detailed response codes and information about each test performed. The response codes fall into four main groups:
It is possible to configure a URU account (see GB Group documentation) to return scores for individuals' performance on the tests submitted. The interpretation of these scores is dependant on the configuration at the URU side of the transaction. DataCash will return the score value for any transaction that is thus enabled. Interpretation of the score is the responsibility of the merchant.
Full details of the individual response codes and how they relate to the data submitted are available from GB Group.
In the event of an error, whether in validating the input data or as the result of a communication error with the URU server, the
reason fields will provide a general explanation of the problem. If more detail is available it is sent back in an
information field. A complete list of error codes is available here