Individual (KYC) Proof of Address Document Verification

The Individual (KYC) Proof of Address Document Verification check helps verify the authenticity of individual proof of address documents and validates the physical address. This guide explains how to run the check, what data to provide, and how to interpret the results.

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Check ID

kyc.proof_of_address_verification

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Overview

The check analyzes various aspects of proof of address documents:

• Document authenticity and validity
• Individual name verification
• Physical address validation
• Document type verification
• Document date validation

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How the Check Works

1. Document Analysis

   • Extracts key information from proof of address documents
   • Validates document structure and format
   • Verifies document type is acceptable
   • Checks document authenticity

2. Information Verification

   • Cross-references extracted data with self-attested information
   • Validates individual’s name matches
   • Confirms physical address
   • Verifies document dates are within validity period
   • Considers cultural variations in name representation, spelling, and order

3. Address Validation

   • Verifies address is a physical location
   • Validates address components
   • Checks address matches self-attested information

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Document Requirements

The following information must be present in the proof of address documents for it to be considered valid:

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Bank Statement

• Name and address of the account holder
• Bank name and logo
• Account number
• Transaction details
• Period of statement

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Utility Bill

• Name and address of the account holder
• Service provider’s name and logo
• Account number
• Billing period

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Driver License

• Name and address of the account holder
• Document number
• Issuing authority
• Expiry date

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Credit Card Statement

• Name and address of the account holder
• Credit card provider’s name and logo
• Account number
• Transaction details
• Period of statement

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Insurance Policy

• Name and address of the account holder
• Insurance provider’s name and logo
• Account number
• Period of insurance

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Tax Document

• Name and address of the taxpayer
• Tax authority’s name and logo

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Tenancy/Lease Agreement

• Name of the tenant
• Address of the rented property
• Landlord’s name and contact details
• Rental period
• Lease end date (must be in the future)

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Check Configuration

The check can be configured with the following parameters:

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Example Configuration

{
  "validity_period": 90,
  "verify_self_attested_address": true,
  "enable_visual_verification": true,
  "enable_fraud_check": true,
  "accepted_documents": [
    "Bank statement",
    "Utility bill",
    "Driver License",
    "Credit card statement",
    "Insurance policy",
    "Tax document",
    "Tenancy agreement",
    "Lease agreement"
  ]
}

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Running the Check

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API Endpoint

POST https://api.parcha.ai/runCheck

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Example Request

curl -X POST 'https://api.parcha.ai/runCheck' \
-H 'Authorization: Bearer YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
  "agent_key": "public-bdd",
  "check_id": "kyc.proof_of_address_verification",
  "payload": {
    "id": "kyc-poa-check-001",
    "self_attested_data": {
      "full_name": "John Doe",
      "address": {
        "street_1": "746 4th Avenue",
        "city": "San Francisco",
        "state": "CA",
        "postal_code": "94118",
        "country_code": "US"
      },
      "proof_of_address_documents": [
        {
          "url": "https://storage.googleapis.com/parcha-ai-public-assets/John_proof_of_address.pdf",
          "type": "Document",
          "file_name": "John_proof_of_address.pdf",
          "source_type": "gcs"
        }
      ]
    }
  },
  "check_args": {
    "validity_period": 90,
    "verify_self_attested_address": true,
    "accepted_documents": [
      "Bank statement",
      "Utility bill",
      "Driver License",
      "Credit card statement",
      "Insurance policy",
      "Tax document",
      "Tenancy agreement",
      "Lease agreement"
    ],
    "enable_visual_verification": true,
    "enable_fraud_check": true
  },
  "webhook_url": "https://your-webhook.com/check-updates"
}'

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Example Response

{
  "id": "check-12345-abcde",
  "status": "PENDING",
  "created_at": "2024-03-15T15:30:00Z",
  "updated_at": "2024-03-15T15:30:00Z",
  "agent_id": "public-bdd",
  "input_payload": {
    "agent_key": "public-bdd",
    "check_id": "kyc.proof_of_address_verification",
    "payload": {
      "id": "kyc-poa-check-001",
      "self_attested_data": {
        "full_name": "John Doe",
        "address": {
          "street_1": "746 4th Avenue",
          "city": "San Francisco",
          "state": "CA",
          "postal_code": "94118",
          "country_code": "US"
        },
        "proof_of_address_documents": [
          {
            "url": "https://storage.googleapis.com/parcha-ai-public-assets/John_proof_of_address.pdf",
            "type": "Document",
            "file_name": "John_proof_of_address.pdf",
            "source_type": "gcs"
          }
        ]
      }
    },
    "check_args": {
      "validity_period": 90,
      "verify_self_attested_address": true,
      "accepted_documents": [
        "Bank statement",
        "Utility bill",
        "Driver License",
        "Credit card statement",
        "Insurance policy",
        "Tax document",
        "Tenancy agreement",
        "Lease agreement"
      ],
      "enable_visual_verification": true,
      "enable_fraud_check": true
    },
    "webhook_url": "https://your-webhook.com/check-updates"
  }
}

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Check Results

The check returns a detailed analysis of the proof of address documents and verification results. For full details of the response structure, see the Individual Proof of Address Document Verification Result documentation.