Identity verification via trusted and verified data sources in the United States. WIth a conditional escalation to a KBA quiz.
post
https://production.idresponse.com
/process/escalate/gateway
IDMatch5.0.Escalate
Use the test_key attribute to test the service. When the test_key is provided the system will dynamically drop the live data sources and use the testing database. These transactions are free of charge. To access live data do not send this attribute. The below sample request is one of the available test cases. To access more click the link below.
Once your user has answered the questions, send those answers back to the system for scoring and a final evaluation.
post
https://production.idresponse.com
/process/continue
Submit Answers
NOTE: The token is only valid for 90 seconds by default. So, your user has 90 seconds to answer the quiz.
Sample Request for Answer Scoring
{
"answers":{
"state3":["NEW YORK"],
"mothers_maiden0":["None of the above"],
"phone1":["(206) 393-4478"],
"county2":["FAIRFIELD"]
},
"token":"1bauxkpczhdiyy3vqm15ais8ue12u7zw"
}
Action and Detail Responses
The following are all values that will be returned in the result object of the response.
Action
Detail
Description
FAIL
NO MATCH
No matching identity found in the data sources
FAIL
TARGET IS DECEASED
Target found as a deceased identity
REVIEW
TRANSACTION REQUIRES FURTHER ATTENTION
Target found and not deceased, but at least one identity attribute provided does not match. This will also populate the "issues" object with a list of the identity attributes that did not match. See full list below.
PENDING
MORE INFORMATION IS REQUIRED
Target is found and not deceased, but has provided some inaccurate identity attributes. This means that a quiz was returned and the transaction is waiting for the answers to be submitted.
PASS
ALL CHECKS PASSED
Target was found, is not deceased and has passed all verification checks
Issues Responses
When a transaction returns as REVIEW or PENDING then there will be a list of issues. This list can include any of the below values.
Issue
Description
ADDRESS CHECK FAILED
The address provided does not match any on file
DATE OF BIRTH CHECK FAILED
The Date of Birth provided does not match any on file
YEAR OF BIRTH CHECK FAILED
The Year of Birth provided does not match any on file
MONTH OF BIRTH CHECK FAILED
The Month of Birth provided does not match any on file
DAY OF BIRTH CHECK FAILED
The Day of Birth provided does not match any on file
SSN CHECK FAILED
The SSN provided does not match any on file
PHONE CHECK FAILED
The phone number provided does not match any on file
EMAIL CHECK FAILED
The email address provided does not match any on file
AGE CHECK FAILED
The target does not meet the age attribute provided
POSSIBLE MINOR
The target is detected as a minor
QUESTION CHECK FAILED
The target did not answer at least 3/4 questions correctly.
Rules
IDMatch5.0.Escalate will process with the default base ruleset:
The base ruleset will return a PASS when:
A match is found
The target is not deceased
The target has provided all valid identity attributes
No quiz returned
The base ruleset will return a REVIEW when:
A match is found
The target is not deceased
The target's identity attributes do not all match or the quiz was answered incorrectly