Qualify an alert on your IBAN

Banque de France allows the account holding PSP to assess the fraud status of a reported IBAN and share its conclusion with the network.

Qombo data model

In Qombo, the structure is the following:

• One consolidated alert is created per single IBAN. This alert can contain multiple reports submitted by different PSPs (e.g. 1 fraud reported by BNP, 1 by CIC…)

Key rules

• For French IBANs, the account holding PSP is required to provide a qualification
• For foreign IBANs, no qualification should be expected
• The “Under investigation” status should be used to signal that the alert has been acknowledged and is being reviewed

Qualification: A process in two steps

• Step 1 - Acknowledge → the alert is now “under investigation”
• Step 2 - Provide a definitive qualification → the alert is “confirmed” or “rejected”

Qualification statuses

There are four possible statuses for a fraud report:

• Temporary
  • Pending → No info from the account holding PSP
  • Under investigation → The account holding PSP is currently investigating and has acknowledge the reception of the alert
• Definitive

  • Fraud confirmed → The account holding PSP has recognized this IBAN in a fraud attempt

    Confirm a fraud - Account holder options

    Value	Label	Definition
    FRAUD	Fraud	The PSP confirms that the account is used for malicious purposes.
    FRADID	ID theft	The PSP confirms that the account is used for malicious purposes and has been opened using a stolen ID

  • Alert rejected → The account holding PSP disagrees with the fraud alert for some reason

    Reject an alert - Account holder options

    Value	Label	Definition
    CLOSED	Closed account	The PSP confirms that the account is closed.
    GENUIN	Legitimate account	The PSP confirms that the account is legitimate.
    MERCHT	Merchant	The PSP states that its customer is a merchant.
    UNKNWN	Don't know	The PSP cannot make a decision based on the elements at its disposal.
    MISATT	Misattributed holder	The PSP isn't the bank account's holder.
    NOTFND	Not found	The PSP doesn't find the account in its book.
    REGUL	Regularized account	The PSP warned his client and get his commitment to comply with the law.

Service name: sharing/v1/report/{id}/holder-qualification

Usage: API and/or Platform