> ## Documentation Index
> Fetch the complete documentation index at: https://docs.didit.me/llms.txt
> Use this file to discover all available pages before exploring further.

# API Validasi Database Biro Kredit Singapura: ID Match

> Validasi biro kredit Singapura via Didit: database otoritatif. Bayar per panggilan mulai $4.35, tanpa kontrak, tanpa minimum.

Memverifikasi data input terhadap data Credit Header yang diperoleh dari biro kredit di Singapura. Didit menyediakan layanan ini melalui `POST /v3/database-validation/` agar Anda dapat memverifikasi data yang dikirim terhadap sumber otoritatif dan menerima hasil kecocokan yang sudah dinormalisasi.

## Cakupan

* **Cakupan:** tidak diungkapkan
* **Negara:** Singapura
* **ID layanan:** `sgp_credit_bureau`
* **Domain data:** Keuangan
* **Kategori:** CreditBureau

## Input

| Kolom | Wajib | Contoh |
| - | -: | - |
| `full_name` | Ya | `John Doe` |
| `date_of_birth` | Ya | `1990-01-01` |
| `address.street_1` | Ya | `123 Sample Street` |
| `address.postal_code` | Ya | `10001` |
| `national_id` | Ya | `SAMPLE-NID-12345` |
| `address.street_2` | Tidak | `Unit 4` |
| `address.city` | Tidak | `Sample City` |
| `address.region` | Tidak | `Sample State` |
| `vendor_data` | Tidak | `user-1234` |

* **Input wajib:** `full_name`, `date_of_birth`, `address.street_1`, `address.postal_code`, `national_id`
* **Input opsional:** `address.street_2`, `address.city`, `address.region`, `vendor_data`
* **Persetujuan:** Wajib
* **Ketersediaan alur kerja:** Tersedia di alur kerja
* **Cakupan:** tidak diungkapkan
* **Harga:** \$4.35 per kueri yang berhasil

## Parameter body

**issuing\_state** `string` *required* (default: SGP)

Kode negara ISO 3166-1 alpha-3 untuk layanan database ini.

Contoh: `SGP`

**services** `string` *required* (default: sgp\_credit\_bureau)

Array yang berisi ID layanan ini. Mengunci layanan membuat permintaan hanya berlaku untuk database yang persis ini.

Contoh: `sgp_credit_bureau`

**consent** `boolean` *required* (default: true)

Persetujuan eksplisit dari pengguna akhir untuk layanan ini.

Contoh: `true`

**full\_name** `string` *required* (default: John Doe)

Nama lengkap sesuai hukum yang akan divalidasi.

Contoh: `John Doe`

**date\_of\_birth** `string` *required* (default: 1990-01-01)

Tanggal lahir dalam format `YYYY-MM-DD`.

Contoh: `1990-01-01`

**address** `object` *required* (default: \{"street\_1":"123 Sample Street","street\_2":"Unit 4","city":"Sample City","region":"Sample State","postal\_code":"10001","country":"US"})

Objek alamat tempat tinggal yang terstruktur. Gunakan `street_1`, `street_2`, `city`, `region`, `postal_code`, dan `country`. String alamat lama yang lengkap masih diterima, tetapi tidak disarankan.

Contoh: `{"street_1":"123 Sample Street","street_2":"Unit 4","city":"Sample City","region":"Sample State","postal_code":"10001","country":"US"}`

**national\_id** `string` *required* (default: SAMPLE-NID-12345)

Nomor identitas nasional untuk layanan ini.

Contoh: `SAMPLE-NID-12345`

**vendor\_data** `string` (default: user-1234)

Referensi pengguna yang stabil untuk orang ini, misalnya ID pengguna internal Anda. Didit menggunakannya untuk menautkan pemeriksaan terpisah ke pengguna akhir yang sama dan mengurangi gangguan dalam deteksi duplikat.

Contoh: `user-1234`

## Aturan input & catatan validasi

* Untuk layanan alamat, kirim kolom alamat yang terstruktur, bukan satu string `address`, jika memungkinkan.
* `address.street_1` adalah alamat jalan, termasuk nomor dan jenis jalan.
* `address.street_2` adalah apartemen, unit, gedung, lantai, atau baris alamat tambahan. Kirim hanya jika Anda memilikinya.
* `address.city` adalah kota, pinggiran kota, distrik, daerah setempat, atau lingkungan.
* `address.region` adalah negara bagian, provinsi, wilayah, atau kota.
* `address.postal_code` adalah kode pos.
* Layanan database berbasis alamat memerlukan minimal alamat jalan dan kode pos. Permintaan yang ditolak sebelum pencarian ke sumber tidak dikenai biaya.

## Cara memanggilnya

```bash cURL theme={null}
curl -X POST "https://verification.didit.me/v3/database-validation/" \
  -H "x-api-key: YOUR_API_KEY" \
  -F "issuing_state=SGP" \
  -F "services=sgp_credit_bureau" \
  -F "vendor_data=user-1234" \
  -F "consent=true" \
  -F "full_name=John Doe" \
  -F "date_of_birth=1990-01-01" \
  -F 'address={"street_1":"123 Sample Street","street_2":"Unit 4","city":"Sample City","region":"Sample State","postal_code":"10001","country":"US"}' \
  -F "national_id=SAMPLE-NID-12345"
```

```python Python theme={null}
from didit import Didit

# Reads DIDIT_API_KEY.
client = Didit()

result = client.database_validation.validate(
    issuing_state="SGP",
    services=["sgp_credit_bureau"],
    consent=True,
    full_name="John Doe",
    date_of_birth="1990-01-01",
    address={"street_1": "123 Sample Street", "street_2": "Unit 4", "city": "Sample City", "region": "Sample State", "postal_code": "10001", "country": "US"},
    national_id="SAMPLE-NID-12345",
    vendor_data="user-1234",
)
print(result)
```

```javascript Node.js theme={null}
import Didit from "@didit-protocol/sdk-node";

// Reads DIDIT_API_KEY.
const didit = new Didit();

const result = await didit.databaseValidation.validate({
  issuing_state: "SGP",
  services: ["sgp_credit_bureau"],
  consent: true,
  full_name: "John Doe",
  date_of_birth: "1990-01-01",
  address: { street_1: "123 Sample Street", street_2: "Unit 4", city: "Sample City", region: "Sample State", postal_code: "10001", country: "US" },
  national_id: "SAMPLE-NID-12345",
  vendor_data: "user-1234",
});
console.log(result);
```

```go Go theme={null}
ctx := context.Background()
// Reads DIDIT_API_KEY.
client := didit.NewClient()

result, err := client.DatabaseValidation.Validate(ctx, didit.DatabaseValidationValidateParams{
	IssuingState: "SGP",
	Services:     didit.Some([]string{"sgp_credit_bureau"}),
	Consent:      didit.Bool(true),
	FullName:     didit.String("John Doe"),
	DateOfBirth:  didit.String("1990-01-01"),
	Address:      didit.Some[any](map[string]any{"street_1": "123 Sample Street", "street_2": "Unit 4", "city": "Sample City", "region": "Sample State", "postal_code": "10001", "country": "US"}),
	NationalID:   didit.String("SAMPLE-NID-12345"),
	VendorData:   didit.String("user-1234"),
})
if err != nil {
	log.Fatal(err)
}
fmt.Printf("%+v\n", result)
```

```java Java theme={null}
import java.time.LocalDate;
import java.util.List;
import me.didit.Didit;
import me.didit.types.DatabaseValidationValidateParams;

// Reads DIDIT_API_KEY.
Didit client = new Didit();

var result = client.databaseValidation().validate(DatabaseValidationValidateParams.builder()
        .issuingState("SGP")
        .services(List.of("sgp_credit_bureau"))
        .consent(true)
        .fullName("John Doe")
        .dateOfBirth(LocalDate.parse("1990-01-01"))
        .address(DatabaseValidationValidateParams.Address.ofVariant1(DatabaseValidationValidateParams.Address.Variant1.builder()
                .street1("123 Sample Street")
                .street2("Unit 4")
                .city("Sample City")
                .region("Sample State")
                .postalCode("10001")
                .country("US")
                .build()))
        .nationalId("SAMPLE-NID-12345")
        .vendorData("user-1234")
        .build());
System.out.println(result);
```

```php PHP theme={null}
<?php

require 'vendor/autoload.php';

use Didit\DiditClient;

// Reads DIDIT_API_KEY.
$didit = new DiditClient();

$result = $didit->databaseValidation->validate([
    'issuing_state' => 'SGP',
    'services' => ['sgp_credit_bureau'],
    'consent' => true,
    'full_name' => 'John Doe',
    'date_of_birth' => '1990-01-01',
    'address' => ['street_1' => '123 Sample Street', 'street_2' => 'Unit 4', 'city' => 'Sample City', 'region' => 'Sample State', 'postal_code' => '10001', 'country' => 'US'],
    'national_id' => 'SAMPLE-NID-12345',
    'vendor_data' => 'user-1234',
]);
print_r($result->toArray());
```

```ruby Ruby theme={null}
require "didit"

# Reads DIDIT_API_KEY.
didit = Didit::Client.new

result = didit.database_validation.validate(
  issuing_state: "SGP",
  services: ["sgp_credit_bureau"],
  consent: true,
  full_name: "John Doe",
  date_of_birth: "1990-01-01",
  address: { street_1: "123 Sample Street", street_2: "Unit 4", city: "Sample City", region: "Sample State", postal_code: "10001", country: "US" },
  national_id: "SAMPLE-NID-12345",
  vendor_data: "user-1234"
)
puts result.to_h
```

```csharp .NET theme={null}
using System;
using System.Collections.Generic;
using System.Text.Json;
using Didit;

// Reads DIDIT_API_KEY.
using var client = new DiditClient();

var result = await client.DatabaseValidation.ValidateAsync(new DatabaseValidationValidateParams
{
    IssuingState = "SGP",
    Services = new string[] { "sgp_credit_bureau" },
    Consent = true,
    FullName = "John Doe",
    DateOfBirth = "1990-01-01",
    Address = new Dictionary<string, object> { ["street_1"] = "123 Sample Street", ["street_2"] = "Unit 4", ["city"] = "Sample City", ["region"] = "Sample State", ["postal_code"] = "10001", ["country"] = "US" },
    NationalId = "SAMPLE-NID-12345",
    VendorData = "user-1234",
});
Console.WriteLine(JsonSerializer.Serialize(result));
```

Setiap pemanggilan yang berhasil mengembalikan HTTP `200`. Kolom **`outcome_code`** memberi tahu Anda apa yang sebenarnya terjadi, misalnya membedakan ketidakcocokan biometrik yang nyata (`BIOMETRIC_NO_MATCH`) dari swafoto yang tidak dapat dibaca (`BIOMETRIC_IMAGE_UNUSABLE`). `status` yang ditampilkan adalah status fitur default. [Tindakan Partial Match / No Match](https://docs.didit.me/id/core-technology/database-validation/database-validation-warnings.md) yang Anda konfigurasi dapat menggantinya.

**`MATCH`**: Registri mengonfirmasi identitas dan setiap kolom yang diperiksa cocok.

```json 200 OK — MATCH theme={null}
{
  "request_id": "req_01H…",
  "status": "Approved",
  "issuing_state": "SGP",
  "match_type": "full_match",
  "validations": [
    {
      "outcome_code": "MATCH",
      "service_id": "sgp_credit_bureau",
      "service_name": "Singapore Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "identification_number": "SAMPLE-ID-12345",
        "postal_code": "10001",
        "street": "sample_value",
        "verifications": {
          "address": true,
          "date_of_birth": true,
          "full_name": true,
          "identification_number": true
        }
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "full_match",
        "identification_number": "full_match"
      }
    }
  ]
}
```

**`PARTIAL_MATCH`**: Nomor identifikasi ditemukan, tetapi satu atau beberapa kolom pribadi (biasanya nama atau tanggal lahir) tidak sepenuhnya cocok.

```json 200 OK — PARTIAL_MATCH theme={null}
{
  "request_id": "req_01H…",
  "status": "In Review",
  "issuing_state": "SGP",
  "match_type": "partial_match",
  "validations": [
    {
      "outcome_code": "PARTIAL_MATCH",
      "service_id": "sgp_credit_bureau",
      "service_name": "Singapore Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "identification_number": "SAMPLE-ID-12345",
        "postal_code": "10001",
        "street": "sample_value",
        "verifications": {
          "address": true,
          "date_of_birth": true,
          "full_name": false,
          "identification_number": true
        }
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "no_match",
        "identification_number": "full_match"
      }
    }
  ]
}
```

**`NO_MATCH`**: Registri tidak menemukan kecocokan untuk data yang dikirim.

```json 200 OK — NO_MATCH theme={null}
{
  "request_id": "req_01H…",
  "status": "Declined",
  "issuing_state": "SGP",
  "match_type": "no_match",
  "validations": [
    {
      "outcome_code": "NO_MATCH",
      "service_id": "sgp_credit_bureau",
      "service_name": "Singapore Credit Bureau",
      "source_data": {
        "address": "NO_MATCH",
        "date_of_birth": "NO_MATCH",
        "full_name": "NO_MATCH",
        "identification_number": "NO_MATCH"
      },
      "validation": {
        "address": "no_match",
        "date_of_birth": "no_match",
        "full_name": "no_match",
        "identification_number": "no_match"
      }
    }
  ]
}
```

## Data yang dikembalikan

Kolom yang tepat di `source_data` bergantung pada data yang dikembalikan registri. Contoh yang dihasilkan untuk `sgp_credit_bureau` saat ini mendokumentasikan bentuk ternormalisasi berikut:

* `address`
* `address_match_score`
* `city`
* `date_of_birth`
* `identification_number`
* `postal_code`
* `street`

## Harga & SLA

Kueri Singapore Credit Bureau hanya ditagih ketika Didit menerima hasil yang konklusif dari sumber validasi.

* **Harga per panggilan:** \$4.35 USD.
* **Penagihan:** per kueri yang berhasil. Anda tidak dikenakan biaya ketika registri tidak dapat dijangkau, ketika kolom wajib tidak ada, atau ketika permintaan ditolak sebelum mencapai sumber.
* **Latensi:** p95 tipikal \< 2 s.
* **Ketersediaan:** 99.9% per kuartal di sisi Didit; ketersediaan sumber hilir bervariasi menurut negara dan set data.

## Lanjutkan membaca

* [Ikhtisar Validasi Database Singapura](https://docs.didit.me/api-reference/database-validation/singapore.md)
* [Ikhtisar Validasi Database](https://docs.didit.me/id/core-technology/database-validation/overview.md)
* [Kode Hasil](https://docs.didit.me/id/core-technology/database-validation/database-validation-outcome-codes.md)


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