> ## 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 Verifikasi Biro Kredit Swiss

> Biro Kredit Swiss: pencarian database otoritatif Swiss melalui infrastruktur identitas Didit. Bayar per panggilan mulai $3.34, tanpa kontrak, tanpa minimum.

Data header kredit yang diperoleh dari biro kredit di Swiss. Didit menyediakan layanan ini melalui `POST /v3/database-validation/` sehingga Anda dapat memverifikasi data yang dikirim terhadap sumber otoritatif dan menerima hasil pencocokan yang dinormalisasi.

## Cakupan

* **Cakupan:** \~ 85%
* **Negara:** Swiss
* **ID layanan:** `che_credit_bureau`
* **Domain data:** Keuangan
* **Kategori:** CreditBureau

## Input

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

* **Input wajib:** `first_name`, `last_name`, `date_of_birth`, `address.street_1`, `address.postal_code`
* **Input opsional:** `address.street_2`, `address.city`, `address.region`, `vendor_data`
* **Persetujuan:** Wajib
* **Ketersediaan alur kerja:** Tersedia di alur kerja
* **Cakupan:** \~ 85%
* **Harga:** \$3.34 per kueri yang berhasil

## Parameter body

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

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

Contoh: `CHE`

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

Array yang berisi ID layanan ini. Penguncian layanan memastikan permintaan dibatasi secara tepat ke basis data ini.

Contoh: `che_credit_bureau`

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

Persetujuan eksplisit dari pengguna akhir untuk layanan ini.

Contoh: `true`

**first\_name** `string` *required* (default: John)

Nama depan yang akan divalidasi.

Contoh: `John`

**last\_name** `string` *required* (default: Doe)

Nama keluarga yang akan divalidasi.

Contoh: `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 terstruktur. Gunakan `street_1`, `street_2`, `city`, `region`, `postal_code`, dan `country`. String alamat lengkap versi lama 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"}`

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

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

Contoh: `user-1234`

## Aturan input & catatan validasi

* Untuk layanan alamat, kirimkan kolom alamat terstruktur alih-alih satu string `address` bila memungkinkan.
* `address.street_1` adalah alamat jalan, termasuk nomor dan jenis jalan.
* `address.street_2` adalah apartemen, unit, gedung, lantai, atau baris alamat tambahan. Kirimkan hanya jika Anda memilikinya.
* `address.city` adalah kota, pinggiran kota, distrik, lokalitas, 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 dikenakan biaya.

## Cara memanggil

```bash cURL theme={null}
curl -X POST "https://verification.didit.me/v3/database-validation/" \
  -H "x-api-key: YOUR_API_KEY" \
  -F "issuing_state=CHE" \
  -F "services=che_credit_bureau" \
  -F "vendor_data=user-1234" \
  -F "consent=true" \
  -F "first_name=John" \
  -F "last_name=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"}'
```

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

# Reads DIDIT_API_KEY.
client = Didit()

result = client.database_validation.validate(
    issuing_state="CHE",
    services=["che_credit_bureau"],
    consent=True,
    first_name="John",
    last_name="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"},
    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: "CHE",
  services: ["che_credit_bureau"],
  consent: true,
  first_name: "John",
  last_name: "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" },
  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: "CHE",
	Services:     didit.Some([]string{"che_credit_bureau"}),
	Consent:      didit.Bool(true),
	FirstName:    didit.String("John"),
	LastName:     didit.String("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"}),
	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("CHE")
        .services(List.of("che_credit_bureau"))
        .consent(true)
        .firstName("John")
        .lastName("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()))
        .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 = $didit->databaseValidation->validate([
    'issuing_state' => 'CHE',
    'services' => ['che_credit_bureau'],
    'consent' => true,
    'first_name' => 'John',
    'last_name' => 'Doe',
    'date_of_birth' => '1990-01-01',
    'address' => ['street_1' => '123 Sample Street', 'street_2' => 'Unit 4', 'city' => 'Sample City', 'region' => 'Sample State', 'postal_code' => '10001', 'country' => 'US'],
    'vendor_data' => 'user-1234',
]);
print_r($result->toArray());
```

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

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

result = didit.database_validation.validate(
  issuing_state: "CHE",
  services: ["che_credit_bureau"],
  consent: true,
  first_name: "John",
  last_name: "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" },
  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 = "CHE",
    Services = new string[] { "che_credit_bureau" },
    Consent = true,
    FirstName = "John",
    LastName = "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" },
    VendorData = "user-1234",
});
Console.WriteLine(JsonSerializer.Serialize(result));
```

Setiap panggilan yang berhasil mengembalikan HTTP `200`. Kolom **`outcome_code`** memberi tahu Anda apa yang benar-benar terjadi, misalnya membedakan ketidakcocokan biometrik sungguhan (`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": "CHE",
  "match_type": "full_match",
  "validations": [
    {
      "outcome_code": "MATCH",
      "service_id": "che_credit_bureau",
      "service_name": "Switzerland Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "last_name": "Doe"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "full_match"
      }
    }
  ]
}
```

**`PARTIAL_MATCH`**: Satu atau lebih kolom yang dibandingkan oleh layanan ini tidak sepenuhnya cocok. Dalam contoh ini, `full_name` tidak cocok, sementara `address` dan `date_of_birth` cocok.

```json 200 OK — PARTIAL_MATCH theme={null}
{
  "request_id": "req_01H…",
  "status": "In Review",
  "issuing_state": "CHE",
  "match_type": "partial_match",
  "validations": [
    {
      "outcome_code": "PARTIAL_MATCH",
      "service_id": "che_credit_bureau",
      "service_name": "Switzerland Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "last_name": "Doe"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "no_match"
      }
    }
  ]
}
```

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

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

## Data yang dikembalikan

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

* `address`
* `date_of_birth`
* `first_name`
* `last_name`

## Harga & SLA

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

* **Harga per panggilan:** \$3.34 USD.
* **Penagihan:** per kueri yang berhasil. Anda tidak dikenakan biaya ketika registri tidak dapat dijangkau, ketika kolom wajib belum diisi, atau ketika permintaan ditolak sebelum mencapai sumber.
* **Latensi:** p95 tipikal kurang dari 2 detik.
* **Ketersediaan:** 99.9% per kuartal di sisi Didit; ketersediaan sumber data hilir bervariasi menurut negara dan kumpulan data.

## Lanjutkan membaca

* [Ikhtisar Validasi Database Switzerland](https://docs.didit.me/api-reference/database-validation/switzerland.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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