Bank Wizard architecture

Bank Wizard

Bank Wizard receives the SOAP requests, validates the account and returns results, messages and data based on information in the Database Table Files (DTFs). If you are verifying the details, Bank Wizard also sends data to, and retrieves messages, from the Absolute service.

If you are searching for bank or BIC data, or looking up the IBAN, Bank Wizard queries the information in the DTFs.

For card details, the Bank Wizard Card Validation service validates and matches the card details and returns messages and data based on the information in the Card Data files. If you are verifying the card details, Bank Wizard also sends data to, and retrieves messages from, the AVS/CVV service. If you are performing a velocity check, Bank Wizard also sends data to, and retrieves messages from, the Velocity service.

Absolute service

For United Kingdom accounts, when you request a verification, Bank Wizard sends the account details and the supplied personal or company details to the Absolute service. The Absolute service then compares this data with the data it holds for the account and then returns scores to show how well the data matches.

AVS/CVV service

For most card types, when you request a verification, the Bank Wizard Card Validation service sends the card details and the supplied personal details to the AVS/CVV service. This service performs an AVS check and compares the card data, including the CVV, with the data it holds for the card and then returns results that show whether the data matches.

DTFs (Database Table Files)

Bank Wizard uses the DTFs to makes sure the bank or branch code exists and is current and that it is possible for the account number to exist for that bank or branch. Bank Wizard also uses the DTFs when performing searches.

The DTFs contain the validation data and the bank/branch details for each supported country. The bank/branch details includes the bank and branch addresses, additional branch data, SEPA data, SWIFT data and which transactions are supported. The exact data available varies between the countries and banks.

Card data

Bank Wizard uses the card data to make sure the card details are in the correct format and that the BIN exists. It also uses this data to confirm whether there is a link between a debit card and supplied sort code.

The card data contains the card validation data, sort code match data and the card details. The card details includes the card type, sub-type, scheme name and issuer name. The exact data available varies between cards.

WASP and Enforcer

WASP (Web Authentication Security Provider) controls access to Bank Wizard. You must supply a WASP token to the Enforcer every time you connect to Bank Wizard. The Enforcer checks this token is valid and then provides access to Bank Wizard.

To get the WASP token, you connect to the WASP service, presenting the certificate supplied by Experian. The returned token is valid for as many connections as you require. However it has a limited life span and once it expires you will need to request a new token.