A person represents a cardholder, who can acquire payment solutions from an issuer in order to use them to pay for goods and/or services.
They can be a natural person (individuals) or legal person (companies, governments, organizations or any group built with a specific purpose).
For a natural person, we can highlight some details such as full name, CPF, ID and date of birth, as well as information that has already been registered at birth or later in life after that.
In order to become a legal person, a person needs to have a register at "Receita Federal", which is called “Cadastro Nacional de Pessoa Jurídica”, CNPJ. Thus, they will legally exist.
A legal person, also known as PJ (“pessoa jurídica”, in Portuguese), is an entity composed of one or more individuals which is recognized by Justice and State as an organization or group bearing rights and obligations under the law.
On the Dock platform, the issuer has engines in place to register important information on their customers. Thus, the details can be used to better know them and check if they are who they claim to be. Some types of details to be registered are described below.
Business and personal details: When registering this information, you’ll better identify the customer and be able to analyze potential risks and roadblocks. For instance, you can set rules so that they’re not allowed to create an account for an underage person, by checking the date of birth registered on the Dock platform.
Document details: They’re important because they make individuals and companies more unique and identifiable under regulation and government agencies.
Address details: Home and business addresses that are registered enable the card issuer to locate their customers for several purposes. For instance: sending a physical card or bill, sending an overdue payment reminder letter.
Contact details: Phone numbers and emails that are registered enable the card issuer to contact their customers for a variety of reasons. For instance: triggering bills, sending text notifications of purchases, sending bills via email. In case the person has more than one contact number, they should set which is the official or preferred one. For a legal person, a contact name is also requested.
Updated 3 months ago