When an applicant starts an application, Algoan automatically creates a Folder.
A Folder is an entity that gathers all supporting documents required for an application process along with legal documents (e.g. contracts) for a given applicant.
The Folder could only be identified by its
This unique identifier will be sent each time an event is sent to your service.
Supporting documents and legal documents have a list of files, which represents files uploaded to Algoan (by a user or any services). A file could be a picture of an identity card or a PDF document of a pay-stub, for instance.
A Supporting document represents a document giving information about the end-user.
Supporting documents are separated in different categories:
|Category||Description||Code||Valid file types|
|Identity||All identity supporting documents|
|Proof of address||Proves where the applicant lives|
|Face matching||The Facial matching process will compare the most recent live photo or live video provided by the applicant to the face on the most recent identity document provided|
|Face matching + identity||Validates the identity document with a facial recognition|
|Proof of income||Proves how much the applicant earns|
|Banking information||Validates banking information|
|Others||Other supporting document useful for an application|
The applicant can only provide one supporting document per category for a given Application. These documents are composed of one or multiple Files. Each File will go through a validation process (OCR) and a validation state will be attributed to it. Once the analysis result is ready, you will have to update the corresponding file in order to trigger the decision mechanism on Algoan's side. This mechanism will allow Algoan to properly handle the Folder state progression.
A Legal document represents a document giving information about the contracts the end-user is asking for, or about the Bank owning the Chatbot.
Legal documents are separated into different categories:
|Insurance's contract||Contract of insurance for a specific product and user|
|Product's contract||Contract for a specific product|
|Debit mandate||Authorization to debit a bank account|
|Legal mentions||Legal mentions concerning the product|
|Information||Information on the product|
|Product's receipt||Receipt of the product|
|Others||Other legal documents|