Consumer Onboarding with Advanced Prefill
Onboard users with faster sign-ups, fewer drop-offs, and stronger protections against fraud
What is Advanced Prefill?
Onboarding flows often require applicants to enter multiple pieces of personal information such as name, address, date of birth, phone number, and sometimes government ID. Long forms increase friction and are a common cause of user drop-off.
Onboarding with Advanced Prefill is a solution that reduces this friction by asking for just two pieces of personal data — typically a phone number and date of birth — and returning a verified identity profile from Socure's Identity Graph. The returned profile may include details such as full name, address, email, and in some regions national identifiers. These details are then pre-filled into the onboarding form, which the user can review and confirm.
Advanced Prefill allows businesses to:
- Reduce onboarding drop-off
- Improve user experience
- Ensure identity data is only exposed under controlled and verified conditions
Advanced Prefill features
Receive verified identity attributes (name, SSN, address) from minimal inputs such as phone number, DOB, and DI session token.
Get structured insights explaining enrichment outcomes and workflow-level results mapped to Approve, Decline, or Manual Review.
Dynamically trigger One-Time Passcode or Predicitve Document Verification (Predictive DocV) when risk thresholds are exceeded, supported by device, phone, and behavioral signals.
Socure products used
Because this process involves exposing sensitive information, Advanced Prefill uses multiple Socure products to verify the requester before showing any data. If the system cannot validate the person through these checks, no data is prefilled and the user must complete the form manually.
Collects device, network, and session risk data to flag suspicious environments before Prefill runs.
Evaluates the phone number’s risk level, including tenure, carrier type, and velocity patterns.
Detects if the phone number has had a recent SIM swap (within ~48 hours) on major U.S. carriers.
Passively validates phone possession through carrier signals, with no user action required.
Provides a fallback method to confirm phone possession by sending a 6-digit code via SMS.
See it in action
Get started
Enable Advanced Prefill for your workspace through the RiskOS™ Dashboard.
Build a new RiskOS™ workflow or update an existing one using the alt_advanced_pre_fill_2.32.0 template.
Send a payload to the /api/evaluation endpoint with phone number, date of birth, and DI session token.
Integration
View required and optional fields for Advanced Prefill requests, including phone number, DOB, and DI session token.
Use prefillData, reasonCodes, and routingOutcomes to drive Approve, Decline, or Manual Review outcomes.
Submit edge-case payloads, validate step-up triggers, and retry workflows in sandbox mode.
Go deeper
Handle cases where inputs are incomplete (e.g., missing DOB) or Prefill data cannot be confidently enriched. Use step-up (One-Time Passcode, Predictive DocV) or manual review as fallback.
Trace Advanced Prefill enrichments using eval_id, inspect returned reasonCodes, and verify module status in logs.
Contact support with the eval_id, payload, and workflow context if results look incorrect or incomplete.
Updated about 1 month ago