KYB 응답 스키마: 결정 페이로드 참조

{
  "session_id": "bs_01H...",
  "session_kind": "business",
  "session_number": 89,
  "session_url": "https://verify.didit.me/...",
  "status": "Approved",
  "status_override": null,
  "workflow_id": "wf_kyb_standard",
  "features": ["KYB_REGISTRY", "AML", "KYB_DOCUMENTS", "KYB_KEY_PEOPLE"],
  "vendor_data": "biz-acme-001",
  "metadata": { },
  "callback": null,

  "registry_checks": [ ... ],
  "aml_screenings": [ ... ],
  "document_verifications": [ ... ],
  "key_people_checks": [ ... ],

  "phone_verifications": null,
  "email_verifications": null,
  "questionnaire_responses": null,
  "ip_analyses": null,

  "reviews": [ ],
  "decision_trace": { ... },
  "linked_records": null,
  "contact_details": { ... },
  "expected_details": null,
  "created_at": "...",
  "expires_at": "..."
}

{
  "status": "Approved",
  "node_id": "feature_kyb_registry",
  "data_resolved": true,
  "company": { ...see below... },
  "ownership_structure": { },
  "warnings": []
}

{
  "uuid": "...",
  "node_id": "feature_kyb_registry",
  "status": "Approved",
  "registry_status": "active",
  "data_resolved": true,
  "company_name": "Acme Corporation Limited",
  "registration_number": "12345678",
  "country_code": "GBR",
  "company_type": "Private Limited",
  "incorporation_date": "2010-05-14",
  "registered_address": "1 Main Street, London EC1A 1AA, United Kingdom",
  "tax_number": "SAMPLE-TAX-12345",
  "risk_level": null,
  "verification_status": "verified",
  "is_from_registry": true,
  "fetch_status": "resolved",
  "alternative_names": "Acme Ltd",
  "nature_of_business": "Software publishing",
  "registered_capital": "100000 GBP",
  "website": "https://acme.example",
  "email": "alex.sample@example.com",
  "phone": "+15550101000",
  "legal_entity_identifier": "529900XXXXXXXXXXXXX",
  "location_of_registration": "London",
  "vat_number": "GB980780684",
  "vat_validation_status": "format_valid",
  "vat_validated_number": "GB980780684",
  "vat_validation_source": "format_rules",
  "vat_validated_name": null,
  "vat_validated_address": null,
  "vat_checked_at": "2026-04-16T10:10:00Z",
  "financial_summary": { },
  "officers": [ ... ],
  "beneficial_owners": [ ... ],
  "addresses": [
    {
      "type": "registered",
      "address": "1 Main Street, London EC1A 1AA, United Kingdom",
      "street": "1 Main Street",
      "city": "London",
      "postal_code": "EC1A 1AA",
      "region": null,
      "country_code": "GB",
      "description": null
    }
  ],
  "industries": [
    { "code": "58290", "description": "Other software publishing", "scheme": "UK SIC 2007", "is_primary": true }
  ],
  "accounts": { ... },
  "ownership": {
    "status": "delivered",
    "tier_requested": "ubo",
    "tier_delivered": "ubo",
    "unavailable_reason": null,
    "direct_ownership_complete": true,
    "unresolved": []
  },
  "registry_tier": "ubo",
  "registry_tier_delivered": "ubo",
  "registry_ownership_status": "delivered",
  "registry_monitoring": null,
  "registry_data": { },
  "user_provided_data": { },
  "confirmed_by_user_at": "2026-04-16T10:10:00Z",
  "last_console_edit_at": null,
  "is_editable": false
}

{
  "uuid": "...",
  "name": "Jane Doe",
  "first_name": "Jane",
  "last_name": "Doe",
  "date_of_birth": null,
  "date_of_birth_year": 1983,
  "date_of_birth_month": 2,
  "address": "1 Example Street, London",
  "appointment_date": "2024-07-01",
  "termination_date": null,
  "designation": "Director",
  "role": "director",
  "nationality": "USA",
  "is_active": true,
  "kyc_status": "Approved",
  "kyc_session_url": "https://verify.didit.me/..."
}

{
  "uuid": "...",
  "name": "John Doe",
  "first_name": "John",
  "last_name": "Doe",
  "entity_type": "person",
  "date_of_birth": null,
  "country_of_birth": null,
  "email": null,
  "company_name": null,
  "registration_number": null,
  "nationality": null,
  "designation": null,
  "appointment_date": null,
  "voting_min_shares": null,
  "voting_max_shares": null,
  "roles": ["ubo"],
  "ownership_min_shares": "40",
  "ownership_max_shares": "40",
  "is_active": true,
  "kyc_status": "Pending",
  "kyc_session_url": "https://verify.didit.me/...",
  "effective_ownership_percent": 40.0,
  "shareholding": {
    "share_class": "Ordinary",
    "number_of_shares": 40,
    "currency": "GBP",
    "nominal_value": 1,
    "total_value": null,
    "percentage": 40
  }
}

{
  "status": "Approved",
  "node_id": "feature_kyb_key_people",
  "registry": {
    "officers": [ ...registry-derived officers... ],
    "beneficial_owners": [ ...registry-derived UBOs... ]
  },
  "submitted": {
    "parties": [ ...user-submitted key-people records... ]
  },
  "ubo_kyc_summary": {
    "total": 2,
    "approved": 1,
    "flagged": 0,
    "pending": 1
  },
  "warnings": []
}

{
  "uuid": "...",
  "entity_type": "person",
  "name": "Alice Chen",
  "first_name": "John",
  "last_name": "Doe",
  "email": "alex.sample@example.com",
  "role": "ubo",
  "ownership_percent": 35.0,
  "nationality": "USA",
  "position": "CEO",
  "date_of_birth": "1990-01-01",
  "phone_number": "+34612345678",
  "source": "USER",
  "requires_verification": true,
  "is_skipped": false,
  "kyc_session_id": "sess-xyz...",
  "kyc_session_status": "Not Started",
  "kyc_session_url": "https://verify.didit.me/...",
  "kyc_session_deleted": false,
  "custom_fields": { }
}

{
  "status": "Approved",
  "node_id": "feature_kyb_documents",
  "items": [
    {
      "uuid": "...",
      "document_type": "LEGAL_PRESENCE",
      "document_subtype": "CERTIFICATE_OF_INCORPORATION",
      "document_group": "LEGAL_PRESENCE",
      "status": "Approved",
      "file_url": "https://didit-storage.s3...",
      "document_metadata": {
        "file_size": 246810,
        "content_type": "application/pdf",
        "creation_date": "2024-05-15",
        "modified_date": "2024-05-15",
        "overlay_manipulation": null
      },
      "ocr_data": {
        "company_name": "Acme Corporation Limited",
        "registration_number": "12345678",
        "incorporation_date": "2010-05-14"
      }
    }
  ],
  "groups": {
    "LEGAL_PRESENCE": { "total": 1, "approved": 1, "pending": 0, "declined": 0, "in_review": 0, "other": 0, "missing": 0 },
    "OWNERSHIP_STRUCTURE": { "total": 1, "approved": 1, "pending": 0, "declined": 0, "in_review": 0, "other": 0, "missing": 0 }
  },
  "required_groups": ["LEGAL_PRESENCE", "OWNERSHIP_STRUCTURE"],
  "warnings": []
}

{
  "node_id": "feature_aml",
  "status": "Approved",
  "total_hits": 0,
  "score": 0,
  "entity_type": "COMPANY",
  "screened_data": {
    "company_name": "Acme Corporation Limited",
    "country_code": "GBR"
  },
  "is_ongoing_monitoring_enabled": true,
  "next_ongoing_monitoring_bill_date": "2027-04-16",
  "last_ongoing_screening_at": "2026-09-12T04:03:11Z",
  "last_ongoing_screening_datasets_updated_at": null,
  "hits": [],
  "warnings": []
}