Post Login User KYC

🧾 Overview: Post-Login User KYC – REL-ID IDV SDK

📌 What is Post-Login KYC?

Post-login User KYC refers to identity verification initiated after the user has successfully logged into the application. It allows delayed or staged KYC collection and is typically used when:

KYC was skipped during onboarding
Regulatory refresh is needed
Users trigger features that require verified identity

🎯 Benefits

✅ Progressive onboarding experience
✅ Complies with regulatory refresh cycles
✅ Unlocks gated features post-verification
✅ Reduces drop-off at initial sign-up

🔁 Typical Workflow

User Logs In
- Standard authentication is completed.
KYC Requirement Check -- ??? How will user know they have to do KYC
- App/server checks if KYC is required (based on policy, user state, or last KYC timestamp).
Trigger KYC Process
- SDK APIs initiated based on the user flow:
  - initiateActivatedCustomerKYC() — for self-submission
  - initiateAgentKYCforUser() — for agent-led submission
Document & Selfie Capture
- SDK optionally calls getIDVDocumentScanProcessStartConfirmation() if document is not yet captured.
- SDK optionally calls getIDVSelfieProcessStartConfirmation if selfie is not stored on server.
- SDK optionally calls getIDVBiometricOptInConsent to get consent from user to store selfie on server.
Result Handling
- Capture outcome from:`
  - onIDVActivatedCustomerKYCResponse— for self-submission
  - onIDVAgentKYCResponse— for agent-led submission

🔧 APIs and Events

API/Event	Description
`initiateActivatedCustomerKYC()`	Launch self-service post-login KYC
`initiateAgentKYCforUser()`	Trigger agent-based KYC
`initiateIDVAdditionalDocumentScan()`	Optional upload of extra docs
`getIDVSelfieProcessStartConfirmation`	Optional capture of selfie
`getIDVBiometricOptInConsent`	Called if user has not opted to store selfie on server.
`onIDVActivatedCustomerKYCResponse`	KYC result for self-service
`onIDVAgentKYCResponse`	KYC result for agent-led submission

📲 Integration Scenarios

Trigger from:
- User dashboard
- Access control checks (e.g. before fund transfer)
- Scheduled KYC refresh workflows

🧠 Use Cases

Banks verifying users before issuing services
Telecom companies validating prepaid customers
Loan applications verifying income/address proofs
Periodic re-validation of user profiles (re-KYC)

📝 Notes

Ensure the KYC module and relevant challenge categories are properly configured in the REL-ID Gateway Manager.
Handle both success and failure states with appropriate fallbacks.

Updated 8 months ago