Identification by phone number and photo

The report allows you to identify the client by checking the phone number and identity of the person on the submitted photo, based on the data in the bureau’s database.

How does it work?

A person can be identified by phone number, as the credit history also contains contact information of the borrower, in addition to their identification data. I.e., if a person, using loans or credit cards, informed the lender of the corresponding phone number, it will be contained in their credit history. However, several credit histories can be found by phone number, so customer identification by phone number is insufficient.

A person can be identified by photo, as the bureau’s database stores photos obtained during personal identification in the bank, against which a comparison is made to determine the degree of similarity.

For all the persons found by phone number, existing photos are compared with the provided ones, the photo with the maximum degree of similarity is determined, and if it is sufficient, the report returns the identification data of the corresponding person.

A degree of similarity over 50% is considered sufficient.

What it includes:

Borrower’s current ID data and the history of changes made to it.

Identification by phone number and photo

The verification result of the incoming photo and phone against the references in the bureau’s database.


Comments from the subject, reports of a lost passport, disputing a loan contract or activated FREEZE option.

Confirmation of credit history subject’s contacts

Contact details and history of changes.

When will it be useful?

Identification by phone number and photo ensures remote identification in the most convenient and simple way for users, providing a sufficient level of protection from fraud.

Report processing:

After the agreement has been signed, and login and password have been obtained, a report can be requested in XML format:

This method of reporting enables the automated processing of requests, and provides reports in the format of your choice.
General structure of interaction:
Http Method
Request URL
Test URL

Requesting a report is possible only subject to the individual’s consent

Frequently Asked Questions

What is identification?

Identification is the identity check of a person, by obtaining their identification data.

What requirements must a photo meet?

Detailed photo requirements are specified in the description of the corresponding template in the specification.

How is a sufficient degree of similarity determined?

A sufficient measure of similarity is determined with experiments using training sets and analysis of the obtained data. For this task, the minimum sufficient degree of similarity of 50% is set. The report provides information about a reference photo and degree of similarity, allowing you to apply your own threshold value above the minimum one, if required.

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