With KBA Escalation
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.
{
"user": "USERNAME",
"pass": "PASSWORD",
"service": "IDMatch5.0.Escalate",
"reference": "12345 {A UNIQUE ID}",
"target":{
"fn":"Barbara",
"ln": "Miller",
"addr": "123 Main St",
"city": "Stratford",
"state": "CT",
"zip": "06614",
"dob": "19740821",
"ssn": "854125698",
"phone": "2015106000",
"email": "[email protected]",
"age": "21+",
"test_key": "general_identity"
}
}
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.
{
"answers": {
"state3": ["NEW YORK"],
"mothers_maiden0": ["None of the above"],
"phone1": ["(206) 393-4478"],
"county2": ["FAIRFIELD"]
},
"token": "1bauxkpczhdiyy3vqm15ais8ue12u7zw"
}
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 |
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. |
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
- This action will only appear on the final result
- No quiz will be returned
The base ruleset will return a PENDING when:
- A match is found
- the target is not deceased
- The target's identity attributes do not all match
- A quiz will be returned
The base ruleset will return a FAIL when:
- A match is not found
- The target is deceased
- A quiz will not be returned
Last modified 3yr ago