Prove Pre-Fill for Consumers Overview

Learn about the components that make up the Prove Pre-Fill® for Consumers solution

Prove Pre-Fill for Consumers solution

The Prove Pre-Fill for Consumers solution streamlines online account creation by automatically filling forms with bank-grade verified consumer data via phone number, reducing friction, improving CX, increasing completion rates, and enhancing security against fraud.

Pain points

• High Friction and Abandonment Rates: Digital onboarding processes often suffer from high friction and abandonment rates due to lengthy forms and complex steps. Simplifying workflows and optimizing design is crucial for a seamless user experience.
• Growing Fraud Losses: Fraud vulnerabilities during account opening are a major concern. Robust security measures like advanced identity verification and multi-factor authentication are essential to mitigate risks.
• Poor Data Quality: Manual data entry leads to inefficiencies, delays, and errors. Automating these processes streamlines workflows, reduces costs, and improves the customer experience.

Value drivers

1. Streamlined Onboarding with Reduced Friction and Faster Completion: The solution significantly simplifies the user onboarding process, eliminating complexities and streamlining steps for a frictionless experience. By minimizing manual intervention and automating key verification processes, users can complete onboarding swiftly. This leads to a substantial reduction in onboarding time, enhancing efficiency and user satisfaction. The faster completion rate contributes to quicker service access and increased initial engagement, maximizing early user adoption and value realization.
2. Enhanced Security and Fraud Prevention: Security is a paramount concern, and this solution integrates robust measures to protect user data and prevent fraudulent activities. Advanced authentication protocols, coupled with real-time risk assessment and identity verification, create a secure environment. The system proactively identifies and mitigates potential threats, reducing the risk of unauthorized access and fraud. This comprehensive security framework safeguards sensitive information, builds user trust, and ensures regulatory compliance, establishing a reliable and secure platform.
3. Improved Customer Experience and Satisfaction: The overall customer experience is greatly improved through the solution’s user-centric design and intuitive interface. By providing a seamless and efficient process, users encounter fewer roadblocks and enjoy a positive interaction. The reduced wait times, automated verifications, and secure environment contribute to increased satisfaction. Enhanced customer satisfaction translates to stronger customer loyalty, positive referrals, and sustained business growth. A superior customer experience ensures long-term engagement and reinforces the platform’s value proposition.

Input parameters

Field	Field Type	Pre-Fill	Description
phoneNumber	string	phoneNumber OR email required	The number of the mobile phone. Acceptable characters are: alphanumeric with symbols ’+’.
phoneNumber (date last verified)	string		The last date that a possession check was completed for a phone number. The format is YYYY-MM-DD. Acceptable characters are: numeric with symbol ’-‘
verificationType	string	"prefill"	Prove offers different verification methods based on your use case and authorization level required. Available verification methods are: bot verifiedUsers prefill prefillForBusiness accountOpening identityResolution
flowType	string	Required	The type of device the user is on. Can be either mobile or desktop.
finalTargetURL	string		A URL you control where the user is redirected after a successful Instant Link click.
smsMessage	string	Conditional	A custom message to include in the SMS for the Instant Link or OTP.
consentLevel	string		Specifies the level of user consent. For example, minimal or full .
firstName	string		The verified first name of the user.
lastName	string		The verified last name of the user.
emailAddress	string	phoneNumber OR email required	The email address associated with the phone number.
email (date last verified)	string		The date the email address was last verified (e.g., 2023-01-01 ).
address	list object		A list of up to three verified addresses for the user, each containing street , street2 , city , region , and postalCode .
street	string		The street address of the individual.
extendedAddress (street2)	string		The apartment number or other extended address information.
city	string		The city of the individual.
region	string		The state or locality of the individual.
postalCode	string		The zip code of the individual. It can be either 5 digits (XXXXX) or ZIP+4 (XXXXX-XXXX).
dateOfbirth	string	Optional	The date of birth associated with the phone number.
nationalId	string	Optional	The user’s national ID, such as the full or last four digits of their SSN.
ipAddress	string		The IP address of the user.
userAgent	string		The user agent of the session of the individual.
avsResult	list object
identityID	string
correlationId	string		A unique ID that links all calls for the same flow. **This is a crucial field to save for subsequent calls. **
clientRequestId	string		Your unique request identifier.
clientCustomerId	string		A client-generated unique ID for a specific customer. This can be used by clients to link calls related to the same customer, across different requests or sessions.
clientHumanID	string		A client-generated unique ID for a specific customer that has been identity proofed. This can be used by clients to link calls related to the same customer, across different requests or sessions. The format of this ID is defined by the client - Prove recommends using a GUID, but any format can be accepted. Do not include personally identifiable information (PII) in this field.
businessName	string		The legal business name of the business attempting a verification.

Output parameters

Field	Field Type	Pre-Fill
success	string	✅
phoneNumber	string	✅
verifyResult (GFP Result)	string	✅
assuranceLevel	string	✅
correlationId	string	✅
proveId	string	✅
proveKey	string	✅
identityId	string	✅
clientRequestID	string	✅
clientHumanID	string	✅
clientCustomerId	string	✅
identity	list of objects
firstName	string	✅
lastName	string	✅
nationalId	string	✅
dateOfBirth	string	✅
email(s)	list of objects	✅
email1	string	✅
email2	string	✅
address(es)	list of objects	✅
streetAddress	string	✅
streetAddress2	string	✅
city	string	✅
region	string	✅
zipCode	string	✅
reasons	list of objects	✅
additionalIdentities	list of objects
firstName	string
lastName	string
nationalId	string
dateOfBirth	string
email	list of objects
email1	string
email2	string
address(es)	list of objects
streetAddress	string
streetAddress2	string
city	string
region	string
zipCode	string