Account Ownership via Name Match
Orum's third tier of verification — Account Ownership via Name Match — determines for consumer accounts whether the first name and/or last name provided matches data tied to the bank account being verified.
Required Fields
Note: The new
personobject is required in order to run a Account Ownership via Name Match check.
API Behavior
Users request an ownership check using the type parameter of the Verify API. See below for a description of each ownership enum.
| Enum | Description |
|---|---|
status_ownership | This request will first make a status check before making an ownership check. |
control_ownership | This request will make a control check in addition to a status check before making an ownership check. |
Additional Resources
An ownership verification also includes an account status verification. Additionally, you may also include an account control verification.
Status Descriptions
| Status | Description |
|---|---|
pending | The ownership status check request has been received and is in progress. |
full | The ownership status check came back as a full match, with both first and last names matching on the account. |
partial | The ownership status check came back as a partial match, with either first or last name matching. |
not_a_match | The ownership status check came back without any matches on first or last name. |
not_found | The data for the requested bank account information was not available to check for a match. |
canceled | The ownership status check was canceled due to an invalid account status. |
Sample Webhook Event
{
"account": {
"id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
"created_at": "2024-09-26T18:35:05.334Z",
"updated_at": "2024-09-26T18:35:05.334Z",
"account_number": "string",
"routing_number": "string",
"account_holder_name": "string",
"email": "[email protected]",
"type": "status_ownership",
"person":{
"first_name": "John",
"first_name_match": "match",
"last_name": "Smith",
"last_name_match": "match"
},
"ownership_status": "full",
"verification_status": "pending",
"status_reason": "blocked_account",
"control_status": "pending",
"debit_status": "pending",
"debit_status_reason": "blocked_account",
"estimated_verification_date": "2024-09-26T00:00:00.000Z"
}
}
Updated 21 days ago