Experian

Experian Commercial Risk Analysis with Business Profile API

Speed up customer research and make it easy for your teams to understand a business and the people behind it. Experian’s Business Profile API lets you integrate high quality, comprehensive business and director information into your applications, in real-time.

Features

  • Easy to integrate high quality business/commercial information
  • RESTful API
  • Access to Experian’s commercial bureau
  • Provides official and standardised information for ERP and accounting applications

Benefits

  • Easy for customers to sign-up by auto-populating data
  • Enhance customer profiles, minimise cost and time of gathering information
  • Risk-averse approach to data management

Service scope

Service scope
Software add-on or extension No
Cloud deployment model Private cloud
Service constraints Production Environment
The service will be available 24 hours, seven days a week (subject to the terms covered by the Service
Level Agreement).
User Acceptance Environment
The User Acceptance Testing service will be available: -
• 07:00 – 00:00 Monday to Saturday
• 09:00 – 18:00 Sunday
This environment will only be supported during normal office hours (09:00 – 17:00 Monday to Friday)
System requirements N/A

User support

User support
Email or online ticketing support Email or online ticketing
Support response times To manage our client services effectively, and in line with ITIL best practices Experian have
defined Service Levels across all core processes (incl. Incident, Service Request, Problem,
Change Management etc). Our Tiered Service Framework allows us to provide differing levels
of service and support offerings to meet our client’s needs. The Service Tier selected will define
the SLAs we work to. Engagement via a SPOC our Experian Service Desk will ensure all
interactions are recorded and assessed against impact and severity before being assigned a
"Priority".
User can manage status and priority of support tickets No
Phone support Yes
Phone support availability 9 to 5 (UK time), 7 days a week
Web chat support No
Onsite support Yes, at extra cost
Support levels Standard support is 09:00 - 17:00, enhanced packages offer up to 24/7 support availability,
Enhanced support costs are determined by the user requirements.
Support available to third parties Yes

Onboarding and offboarding

Onboarding and offboarding
Getting started Integration guides, Swagger and Postman Projects available, plus paid-for integration
assistance available
Service documentation Yes
Documentation formats
  • PDF
  • Other
Other documentation formats
  • Excel
  • Swagger
End-of-contract data extraction Data only held by Experian for support processes and is removed after period
End-of-contract process Access to and use of the service to a defined period is included in the price. At the end of the
contract, should no renewal be agreed, the user(s) will no longer be able to access the service.

Using the service

Using the service
Web browser interface No
Application to install No
Designed for use on mobile devices No
API Yes
What users can and can't do using the API Full service functionality provided via API
API documentation Yes
API documentation formats
  • Open API (also known as Swagger)
  • HTML
  • Other
API sandbox or test environment Yes
Customisation available No

Scaling

Scaling
Independence of resources Full load balancing, multiple data centres

Analytics

Analytics
Service usage metrics Yes
Metrics types Usage metrics included on the invoice.
Reporting types API access

Resellers

Resellers
Supplier type Not a reseller

Staff security

Staff security
Staff security clearance Other security clearance
Government security clearance None

Asset protection

Asset protection
Knowledge of data storage and processing locations Yes
Data storage and processing locations
  • United Kingdom
  • EU-US Privacy Shield agreement locations
User control over data storage and processing locations No
Datacentre security standards Complies with a recognised standard (for example CSA CCM version 3.0)
Penetration testing frequency At least once a year
Penetration testing approach In-house
Protecting data at rest Physical access control, complying with another standard
Data sanitisation process No
Equipment disposal approach Complying with a recognised standard, for example CSA CCM v.30, CAS (Sanitisation) or ISO/IEC 27001

Data importing and exporting

Data importing and exporting
Data export approach Data is not required to be imported by the Buyer to Experian's platform therefore data export is
not required
Data export formats Other
Other data export formats -
Data import formats Other
Other data import formats -

Data-in-transit protection

Data-in-transit protection
Data protection between buyer and supplier networks
  • Bonded fibre optic connections
  • Other
Other protection between networks -
Data protection within supplier network
  • TLS (version 1.2 or above)
  • Other
Other protection within supplier network SOAP endpoint TLS/1.2
REST endpoint TLS1.2

Availability and resilience

Availability and resilience
Guaranteed availability Available on request
Approach to resilience Experian backs up all data that has an on-going business value for operational recovery purposes and to comply with business continuity plans. Backups are regularly tested for reliability and integrity, and restoration procedures are tested for effectiveness and acceptable performance. The confidentiality, integrity and availability of backup media is protected in storage using physical, environmental and technical controls, such as secure storage and encryption.

The primary data resides in Fairham House datacentre and backup data is transferred over dedicated dark fibre links to Experian’s DR site in Bulwell. This is a very secure transfer method and the data cannot be intercepted. This data then resides on tapes in robotic silo’s and NEVER leaves this location physically, if the data is needed, it will be recalled over the same dedicated dark fibre links to Fairham.
Outage reporting Available on request

Identity and authentication

Identity and authentication
User authentication needed Yes
User authentication Username or password
Access restrictions in management interfaces and support channels Experian works on a policy of least required access. Access to all management systems
requires appropriate approvals and is subject to automatic quarterly reviews and audit.
Access restriction testing frequency At least once a year
Management access authentication Username or password

Audit information for users

Audit information for users
Access to user activity audit information No audit information available
Access to supplier activity audit information No audit information available
How long system logs are stored for At least 12 months

Standards and certifications

Standards and certifications
ISO/IEC 27001 certification Yes
Who accredited the ISO/IEC 27001 DNV GL Business Assurance Ltd
ISO/IEC 27001 accreditation date 20/12/2016
What the ISO/IEC 27001 doesn’t cover Everything is covered
ISO 28000:2007 certification No
CSA STAR certification No
PCI certification Yes
Who accredited the PCI DSS certification Trustwave
PCI DSS accreditation date 28/10/2016
What the PCI DSS doesn’t cover Everything is covered
Other security certifications Yes
Any other security certifications Cyber Essentials

Security governance

Security governance
Named board-level person responsible for service security Yes
Security governance certified Yes
Security governance standards ISO/IEC 27001
Information security policies and processes Experian have comprehensive Global Security Policies based on the ISO27001 standard which covers;
- Organisation and Management
- Information Security
- Asset Classification
- Physical and Environmental Security
- Communications and Operations Management
- System Access
- Systems Development and Maintenance
- Compliance
- Personnel and Provisioning
- Business Continuity Management
- Third Party Management

Operational security

Operational security
Configuration and change management standard Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Configuration and change management approach Modifications and improvements to information systems are managed through a controlled process. Experian's Change Management Policy is based on ITIL best practice. We use a Service Management tool that integrates Change Management, Incident Management, Problem Management, Configuration Management and Knowledge Management. Our policy, process and procedures are regularly audited independently. Business units will establish and maintain a process for documenting proposed changes to systems. The Change Management Group assess the impact of impending changes and produce an impact analysis document of results. The impact assessment considers possible risk exposures, business processes and systems.
Vulnerability management type Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Vulnerability management approach In line with our Global Information Security Policy, Experian performs regular vulnerability and integrity checks of our systems. The scheduling varies depending on criticality and exposure of the system being checked

Experian has regular network security assessment conducted of both internal and external deployments, in which the Firewall Infrastructure is tested, including internal components, applications, and employed servers

Vendor software patches are applied on a monthly cycle with a risk-based approach taken to prioritisation via an automated Patch & Fix strategy which is underpinned with a technology infrastructure to deliver corrective updates.
Protective monitoring type Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Protective monitoring approach GSOC protects Experian information assets through a four level process:
• Collect raw log data from systems across the enterprise.
• Analyse millions of events per day using an artificial intelli-gence based correlation and behavioral analysis engine.
• Identify incidents of interest based on asset and data classification
• Escalate incidents to the appropriate response, remediation or management teams
The Security Event Monitoring (SEM) system analyses raw log data from systems across the enterprise using an advanced statistical and rule based correlation engine to identify, prioritise and alert on significant security events.
Incident management type Conforms to a recognised standard, for example, CSA CCM v3.0 or ISO/IEC 27035:2011 or SSAE-16 / ISAE 3402
Incident management approach Experian has a formally documented risk based incident management process to respond to security violations, unusual or suspicious events and incidents. This process is run by the Experian's Global Security Office and is owned by the Executive.
The purpose of this process is to limit further damage to information assets, identify root cause and execute corrective actions. In the event an incident occurs a team is gathered to form an Incident Response Team, who manage activities until successful resolution. Post incident reviews are held to analyse the effectiveness of the response and operational process in order to continually improve them.

Secure development

Secure development
Approach to secure software development best practice Independent review of processes (for example CESG CPA Build Standard, ISO/IEC 27034, ISO/IEC 27001 or CSA CCM v3.0)

Public sector networks

Public sector networks
Connection to public sector networks No

Pricing

Pricing
Price £0.27 per transaction
Discount for educational organisations No
Free trial available No

Service documents

pdf document: Pricing document pdf document: Skills Framework for the Information Age rate card pdf document: Service definition document pdf document: Terms and conditions pdf document: Modern Slavery statement
Service documents
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