Getting started guide

We define these terms in our documentation as follows:

5AMLDEuropean Union Directive 2015/849, known as the Fifth Anti-Money Laundering Directive, is the standard for preventing money laundering and terrorist financing and entered into force in January 2020.
clientAn individual who uses your services.
conversionHow often a client successfully completes a workflow.
electronic IDentification, Authentication and Trust Services (eIDAS)An EU regulation for making making electronic interactions between businesses safer, faster, and more efficient.
European Telecommunications Standards Institute (ETSI)An independent, not-for-profit organization that helps develop and test global technical standards for ICT-enabled systems, applications, and services.
General Data Protection Regulation 2016/679 (GDPR)A European Union regulation on protecting the privacy of personal data you store, handle, or transfer in the EU and European Economic Area.
human agentA staff member of Fourthline or your company who processes cases by manually reviewing and approving/ declining the client.
ID documentA document that a client provides to prove their identity, e.g. passport, national ID card.
KYC (know your customer)A legally required process of verifying the identity, suitability, and risks involved with starting and maintaining a business relationship with your client.
machine-readable zone (MRZ)The area of an ID document (usually passports) that encloses the document holder’s personal data.
near-field communication (NFC)A set of protocols that enable two electronic devices to communicate over a distance of 4 cm or less. Fourthline uses NFC to extract ID document data.
optical character recognition (OCR)The process of electronically or mechanically converting images of typed, handwritten, or printed text into machine-encoded text, e.g. from a scanned document, a photo of a document.
politically exposed person (PEP)A person who holds a prominent and influential public function and therefore presents a higher risk of potential involvement in bribery and corruption.
qualified electronic signature (QES)A digital signature created with a qualified electronic certificate issued by a qualified trust service provider that complies with the eIDAS Regulation. The signature confirms who signed a digital document and is legally equivalent to a handwritten signature.
qualified trust service provider (QTSP)A licensed organization that can issue qualified electronic certificates and create qualified electronic signatures, which must comply with the eIDAS Regulation.
RESTful application programming interface (API)The interface and set of protocols you use to exchange data with our server. Our API Reference specifies the content and format of your requests to our server and the responses our server sends back.
selfieA photograph a client takes of themselves on their mobile device.
visual inspection zone (VIZ)An area on an ID document that includes the photograph, document designation, personal data, and the issue and expiry dates.
youFourthline's business partners, including financial service providers, fintechs, and distributors who use our solutions, and your developers who integrate them.

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