# Identity Insights for Accounts at Account Opening
source: https://developer.mastercard.com/identity-insights-for-accounts/documentation/use-cases/use-cases-1/index.md

## Pre-Requisites {#pre-requisites}

Read and understand [Payload Encryption](https://developer.mastercard.com/platform/documentation/security-and-authentication/securing-sensitive-data-using-payload-encryption/) for secure data communication with the API. Identity Insights for Accounts API is using [Mastercard Encryption](https://developer.mastercard.com/platform/documentation/security-and-authentication/securing-sensitive-data-using-payload-encryption/#mastercard-encryption).

## Sequence Diagram {#sequence-diagram}

The following flow shows a high-level request between the customer and Mastercard for obtaining insights about User and Device.
Diagram use-case-diagram

1. The consumer completes a digital account opening or sign-up form on a device.
2. The sign up information is submitted to the customer's application.
3. The application server sends the user provided details and device details to Identity Insights for Accounts.
4. Identity Insights for Accounts performs real-time analysis and returns insights to Application Server.
5. The customer application makes a decision on the account opening flow.