Consumer Onboarding with Advanced Prefill

What is Advanced Prefill?

Consumer Onboarding with Advanced Prefill is a two-workflow RiskOS™ solution that reduces onboarding friction by prefilling verified identity data from minimal user input. Instead of requiring applicants to complete lengthy identity forms, Advanced Prefill collects a phone number and date of birth, verifies the requester through device, phone, and possession checks, and returns a verified identity profile from Socure's Identity Graph. The returned profile may include details such as full name, address, email, and national identifiers.

The solution operates in two stages:

  1. Advanced Prefill (advanced_pre_fill) — Verifies the requester and gates data disclosure. Returns prefilled identity data for verified, low-risk users.
  2. Consumer Onboarding (consumer_onboarding) — Performs full KYC, fraud, and compliance evaluation on the final data — whether prefilled, edited, or manually entered.

Advanced Prefill controls when data can be shown. Consumer Onboarding determines who can be approved.

Common use cases

Participating enrichments

Advanced Prefill uses these enrichments to verify the requester before disclosing identity data.

Enrichment Purpose Usage
Digital Intelligence Device, network, and behavioral telemetry Core
Allow / Deny List Filter known trusted or fraudulent identifiers Core
Phone Risk Phone legitimacy, tenure, and carrier risk Core
SIM Swap* Recent SIM change detection on major U.S. carriers Phone Risk signal
Silent Network Authentication (SNA) Carrier-based phone possession verification Core
One-Time Passcode (OTP) SMS-based phone possession fallback Conditional step-up
Prefill Verified identity data from Socure's Identity Graph Core

*SIM Swap appears as a Phone Risk reason code rather than a separate enrichment. It's listed here because it contributes its own data disclosure signal.

After Advanced Prefill completes, Consumer Onboarding performs full KYC and fraud evaluation using its own set of enrichments.

High-level runtime flow

Collect phone + DOB + device token

POST /api/evaluation (Advanced Prefill)

Advanced Prefill decision

ACCEPT → Show prefilled form

ON_HOLD → Collect OTP

REJECT → Show blank form

Resume evaluation

User reviews and submits

POST /api/evaluation (Consumer Onboarding)

Final onboarding decision
  1. Collect inputs — Gather a phone number, date of birth, and a Digital Intelligence session token from the client.
  2. Submit Advanced Prefill — Send a POST /api/evaluation request with workflow: "advanced_pre_fill".
  3. Gate data disclosure — The workflow verifies device integrity, phone risk, and phone possession before returning identity data.
  4. Display or skip prefill — Show prefilled data on ACCEPT, collect OTP on ON_HOLD, or present a blank form on REJECT.
  5. Run Consumer Onboarding — Submit a new evaluation with the confirmed data for full KYC and fraud checks.

Coverage

Advanced Prefill is available globally. The workflow adapts returned fields based on what is legally accessible and reliable in each country.

Field-level coverage (name, national ID, address, email) varies by country. Coverage expands automatically as new carrier and data partnerships are established.

Available for users in:

🇺🇸 USA
🇬🇧 United Kingdom
🇧🇷 Brazil
🇨🇦 Canada
🇦🇺 Australia
🇲🇽 Mexico
🇪🇸 Spain
🇦🇷 Argentina
🇿🇦 South Africa
🇨🇴 Colombia
🇨🇱 Chile
🇵🇪 Peru
🇩🇴 Dominican Republic
🇪🇨 Ecuador
🇬🇹 Guatemala
🇵🇷 Puerto Rico
🇵🇦 Panama
🇨🇷 Costa Rica
🇸🇻 El Salvador
🇬🇺 Guam
🇻🇮 U.S. Virgin Islands
🇦🇸 American Samoa
🇲🇵 Northern Mariana Islands
🇺🇲 Minor Outlying Islands

The service automatically adjusts which identity fields can be returned, depending on what is legally available and locally reliable. In most markets, you’ll receive core fields like name, national ID, and address. In some, coverage may be limited to subsets of these fields.

Get started

Configure the Workflow
Build the Integration
Handle Decisions & Step-Up Flows