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Credit Information System Data (SCR - BACEN)

If contracted by the client, it's possible to use the data available from the SCR (Brazilian Central Bank’s Credit Information System) for individuals or legal entities during the credit analysis process. To use SCR data, it is essential that the consulted party's consent is collected. This consent can either be collected by QI Tech or by the client, and this affects both the consent flow and the required data to be sent to the API, as described below:

1. Consent collected by QI Tech – If you choose to have QI Tech collect consent, a link for electronic signature will be sent directly to the consulted party via email. Once the user signs and completes the process, SCR data automatically becomes available for use. To use this flow, the integration must include the personal data of the end-user who will sign the consent.

2. Consent collected by the client – You may collect the signed consent term within your own environment or credit pipeline (this may be done via signed document or an opt-in checkbox). To use this method, the consent term must be approved by QI Tech's legal team, and it's necessary to send information that audibly proves consent for accessing SCR data through the scr_parameters object.

Attention: All configurations for accessing SCR data—including which flow will be used—must be agreed upon during product onboarding for this feature to be available.

Consent Collection via QI Tech – Natural Person​

In the case of a natural person, to have QI Tech send the consent request, simply include the consulted individual's personal information in the CreditProposal object. QI Tech will then send the consent request via email, and once authorization is complete, the consultation will be performed automatically and the results made available for credit analysis.

Important: The following fields are required for SCR consent collection by QI Tech for natural persons: document_number, name, email, and the phone object.

Consent Collection via QI Tech – Legal Person​

Request Body

  {
    "id": "32199d0s",
    "legal_name": "QI CAAS LTDA",
    "trading_name": "QI Tech",
    ...
    "scr_parameters": {
      "signers": [
        {
          "document_number": "372.989.950-30",
          "name": "Felipe Marques da Silva",
          "email": "felipe.silva@qitech.com.br",
          "phone": {
            "number": "991722315",
            "area_code": "16",
            "international_dial_code": "55"
          }
        },
        {
          "document_number": "440.896.050-08",
          "name": "Claudio Mattos",
          "email": "claudiomattos@sample.com",
          "phone": {
            "number": "991722315",
            "area_code": "16",
            "international_dial_code": "55"
          }
        }
      ]
    }
  }

In the case of a legal entity, for QI Tech to send the consent request, it is necessary to include the additional scr_parameters object in the credit analysis request. Within this object, you must provide a list of the company's legal representatives to whom the electronic signature requests will be sent via email. This list should be included under the signers property. After all legal representatives have signed, QI Tech will perform the consultation and make the results available for credit analysis. Above is an example of the scr_parameters object for the described case.

Consent Collection by the Client – Natural Person​

Request Body
  {
    "id": "678",
    "credit_request_date": "2021-03-31T10:30:00-03:00",
    "credit_type": "student_loan",
    "name": "Victor Silva Barbosa",
    "document_number": "199.208.915-92",
    ...
    "scr_parameters": {
      "signature_evidence": {
        "ip_address": "179.104.42.245",
        "session_id": "ddb1d063-4fdf-4330-af9c-3316e9142ff3",
        "access_token":         "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQSflKxwRJSMeKKF2QT4fwpMeJf36PO6yJV_adQssw5d",
        "additional_data": {
          ...
        },
        "signed_term": {
          "raw_text": "Lorem ipsum dolor sit amet, consectetur adipiscing elit. Maecenas elementum erat et tempus dapibus. Donec eu sapien tortor. Pellentesque et tortor eget erat pulvinar mattis. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Proin ornare diam arcu, sit amet auctor lorem varius quis. Ut pretium venenatis magna sed ultrices. Donec quis tortor odi."
        }
      }
    }
  }

In the case of a natural person, when consent is collected by the client, it is necessary to include the additional scr_parameters object in the analysis request. Within this object, it is necessary to add information to prove that the individual being analyzed authorized the consultation. This information must be provided in the signature_evidence property. Above is an example of the scr_parameters object for the described case.

Consent Collection by the Client – Legal Entity​

Request Body
  {
    "id": "678",
    "credit_request_date": "2021-03-31T10:30:00-03:00",
    "credit_type": "student_loan",
    "name": "Victor Silva Barbosa",
    "document_number": "199.208.915-92",
    ...
    "scr_parameters": {
      "signers": [
        {
          "document_number": "372.989.950-30",
          "name": "Felipe Marques da Silva",
          "email": "felipe.silva@qitech.com.br",
          "phone": {
            "number": "991722315",
            "area_code": "16",
            "international_dial_code": "55"
          }
        },
        {
          "document_number": "440.896.050-08",
          "name": "Claudio Mattos",
          "email": "claudiomattos@sample.com",
          "phone": {
            "number": "991722315",
            "area_code": "16",
            "international_dial_code": "55"
          }
        }
      ],
      "signature_evidence": {
        "ip_address": "179.104.42.245",
        "session_id": "ddb1d063-4fdf-4330-af9c-3316e9142ff3",
        "access_token":         "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQSflKxwRJSMeKKF2QT4fwpMeJf36PO6yJV_adQssw5d",
        "additional_data": {
          ...
        },
        "signed_term": {
          "raw_text": "Lorem ipsum dolor sit amet, consectetur adipiscing elit. Maecenas elementum erat et tempus dapibus. Donec eu sapien tortor. Pellentesque et tortor eget erat pulvinar mattis. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Proin ornare diam arcu, sit amet auctor lorem varius quis. Ut pretium venenatis magna sed ultrices. Donec quis tortor odi."
        }
      }
    }
  }

In the case of a legal entity, when consent is collected by the client, it is necessary to include the additional scr_parameters object in the analysis request. Within this object, it is necessary to add information to prove that the analyzed entity authorized the consultation, as well as include the list of legal representatives of the company who authorized the consultation. The authorization details must be provided in the signature_evidence property, and the list of individuals who authorized the consultation must be provided in the signers property. Above is an example of the scr_parameters object for the described case.