Reseller Checks with Experian AU

Overview

Some customers act as a reseller — they run KYC checks on behalf of another business, and that business (not the reseller) is the AML/CTF reporting entity for the check. Experian AU requires the ABN of that end business to be supplied with every credit header check, so the enquiry can be attributed to the correct obligated entity. FrankieOne collects this ABN as an entity extraData KVP and forwards it to Experian as AMLObligatedEntityABN.

This applies only to Experian AU credit header checks performed through the Experian v2 connector. It has no effect on other data sources, and it is not needed by customers who are the reporting entity for their own checks.

Enabling the feature

Reseller ABN passthrough is enabled by FrankieOne on a per-configuration basis. Enabling it does two things:

Makes the CustomerChannelReferenceIdentifier KVP visible and mandatory in the FrankieOne Portal, so the ABN can be captured for profiles created manually.
Makes the KVP required for API-created entities — a check submitted without it fails validation before it reaches Experian.

Contact help@frankieone.com to have reseller ABN passthrough turned on for your configuration. Until it has been enabled, the KVP is stored on the entity but not forwarded to Experian.

Supplying the ABN

Add a KVP with kvpKey of CustomerChannelReferenceIdentifier to the entity’s extraData array, with the end business’s ABN as the kvpValue. The KVP can be set on a CreateCheckEntity call or added later with an UpdateCheckEntity — it simply needs to be present on the entity at the time the check runs.

Create Entity with Reseller ABN

{
  "entity": {
    "entityProfile": "safe_harbour",
    "entityType": "INDIVIDUAL",
    "name": {
      "givenName": "TESTGivenName",
      "familyName": "TESTFamilyName"
    },
    "dateOfBirth": {
      "dateOfBirth": "1960-01-01"
    },
    "addresses": [
      {
        "addressType": "RESIDENTIAL1",
        "country": "AUS",
        "postalCode": "3000",
        "state": "VIC",
        "streetName": "Exhibition",
        "streetNumber": "123",
        "streetType": "Street",
        "town": "MELBOURNE"
      }
    ],
    "extraData": [
      {
        "kvpKey": "CustomerChannelReferenceIdentifier",
        "kvpValue": "11111111111",
        "kvpType": "general.string"
      },
      {
        "kvpKey": "consent.general",
        "kvpValue": "true",
        "kvpType": "general.bool"
      },
      {
        "kvpKey": "consent.creditheader",
        "kvpValue": "true",
        "kvpType": "general.bool"
      }
    ]
  }
}

Field reference

Field	Value	Notes
`kvpKey`	`CustomerChannelReferenceIdentifier`	Case-sensitive — it needs to match exactly.
`kvpValue`	The end business’s ABN	11 digits, no spaces. This is the ABN of the business the check is being performed for, not the reseller’s own ABN.
`kvpType`	`general.string`	See Key Value Pairs for the full type list.

Credit header consent is still required for Experian AU checks. The reseller ABN is in addition to — not a replacement for — the consent.creditheader KVP. See Consent Flags.

What FrankieOne sends to Experian

The KVP is forwarded in the request payload as an additional detail:

<RequestData>
  <AdditionalDetail>
    <DetailName>AMLObligatedEntityABN</DetailName>
    <Detail>11111111111</Detail>
  </AdditionalDetail>
</RequestData>

The value sent is also recorded against the check in the audit trail.

Behaviour when the ABN is missing

Configuration	KVP supplied?	Result
Reseller passthrough enabled	Yes	ABN forwarded to Experian as `AMLObligatedEntityABN`.
Reseller passthrough enabled	No	The check fails validation. No request is sent to Experian, and no credit header result is produced.
Reseller passthrough disabled	Either	The KVP is ignored and nothing is forwarded.

Because a missing ABN stops the check before it reaches Experian, set the KVP on the entity before running the check. For how Experian results are read once the check does run, see Credit Header Results.

Guide to the API

KYC API Endpoints

Fraud & AML API Endpoints

IDV API Endpoints

KYB Trust Agent

KYB V2 API - Preview

Reseller Checks with Experian AU

Overview

Enabling the feature

Supplying the ABN

Field reference

What FrankieOne sends to Experian

Behaviour when the ABN is missing

​Overview

​Enabling the feature

​Supplying the ABN

​Field reference

​What FrankieOne sends to Experian

​Behaviour when the ABN is missing

Overview

Enabling the feature

Supplying the ABN

Field reference

What FrankieOne sends to Experian

Behaviour when the ABN is missing