With KBA Escalation

Identity verification via trusted and verified data sources in the United States. WIth a conditional escalation to a KBA quiz.

IDMatch5.0.Escalate

POST https://production.idresponse.com/process/escalate/gateway

Make an HTTPS POST request with the following body parameters to find out if the target has provided valid identity attributes. You will receive a synchronous response in 1-3 seconds with a result object that includes action, detail and issues. This service differs from the base IDMatch5.0 in that it will return a KBA quiz conditionally. See the rule set below to find out when a quiz will be returned.

Request Body

//PASS - no quiz Returned 

{
  "meta": {
    "company": "Company, LLC",
    "confirmation": "21201890",
    "reference": "12345 {A UNIQUE ID}",
    "service": "IDMatch5.0.Escalate",
    "timestamp": "2017-08-08 17:56:14",
    "user": "user@company.com"
  },
  "result": {
    "action": "PASS",
    "detail": "ALL CHECKS PASSED",
    "issues": []
  }
}

//FAIL - no quiz returned 

{
  "meta": {
    "company": "Company, LLC",
    "confirmation": "21201890",
    "reference": "12345 {A UNIQUE ID}",
    "service": "IDMatch5.0.Escalate",
    "timestamp": "2017-08-08 17:56:14",
    "user": "user@company.com"
  },
  "result": {
    "action": "FAIL",
    "detail": "NO MATCH",
    "issues": []
  }
}

//PENDING - quiz returned 

{
    "output": {
        "questions": {
            "questions": [
                {
                    "prompt": "With which of the following states are you or have you been associated?",
                    "type": "state",
                    "id": "state2",
                    "answers": [
                        {
                            "text": "WISCONSIN"
                        },
                        {
                            "text": "WASHINGTON, D.C."
                        },
                        {
                            "text": "NEW YORK"
                        },
                        {
                            "text": "WEST VIRGINIA"
                        },
                        {
                            "text": "None of the above"
                        }
                    ]
                },
                {
                    "prompt": "With which of the following counties are you or have you been associated?",
                    "type": "county",
                    "id": "county0",
                    "answers": [
                        {
                            "text": "COCHRAN"
                        },
                        {
                            "text": "PLATTE"
                        },
                        {
                            "text": "DIVIDE"
                        },
                        {
                            "text": "ROSCOMMON"
                        },
                        {
                            "text": "None of the above"
                        }
                    ]
                },
                {
                    "prompt": "With which of the following zip codes are you or have you been associated?",
                    "type": "zip5",
                    "id": "zip53",
                    "answers": [
                        {
                            "text": "19465"
                        },
                        {
                            "text": "37356"
                        },
                        {
                            "text": "66375"
                        },
                        {
                            "text": "66401"
                        },
                        {
                            "text": "None of the above"
                        }
                    ]
                },
                {
                    "prompt": "With which of the following cities are you or have you been associated?",
                    "type": "city",
                    "id": "city1",
                    "answers": [
                        {
                            "text": "FILLMORE"
                        },
                        {
                            "text": "SCHENECTADY"
                        },
                        {
                            "text": "OKMULGEE"
                        },
                        {
                            "text": "BOCA RATON"
                        },
                        {
                            "text": "None of the above"
                        }
                    ]
                }
            ]
        }
    },
    "meta": {
        "confirmation": 94186314,
        "reference": "",
        "service": "IDMatch5.0.Escalate",
        "timestamp": "2020-06-04 11:31:35",
        "company": "Veratad Technologies, LLC",
        "user": "ws@veratad.com"
    },
    "result": {
        "action": "PENDING",
        "detail": "MORE INFORMATION IS REQUIRED",
        "issues": [
            "YOB CHECK FAILED",
            "DOB CHECK FAILED"
        ]
    },
    "continuations": {
        "questions": {
            "url": "/process/continue",
            "template": {
                "token": "p7lx6svy7s0dku6vxa9l8yemk1tnwlsj",
                "answers": {
                    "zip53": [],
                    "state2": [],
                    "city1": [],
                    "county0": []
                }
            },
            "instructions": "Add the text of the answers into the empty list for the appropriate question (case sensitive)."
        }
    }
}

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.

Sample Request Body

{
      "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": "bmiller@veratad.com",
            "age": "21+",
            "test_key": "general_identity"
          }
  }

Request with Quiz Answers

Once your user has answered the questions, send those answers back to the system for scoring and a final evaluation.

Submit Answers

POST https://production.idresponse.com/process/continue

Sending a POST request with the below body will give you the final evaluation of the quiz and other identity attributes.

Request Body

{
  "final": {
    "template": {
      "token": "euwd6q5a8b4c0vwc0zy0s6ms1mjh5p0s"
    },
    "url": "/process/status"
  },
  "output": {
    "answers": {
      "asked": 4,
      "correct": 0
    }
  },
  "result": {
    "action": "REVIEW",
    "detail": "TRANSACTION REQUIRES FURTHER ATTENTION",
    "issues": [
      "QUESTION CHECK FAILED"
    ]
  }
}

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.

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.

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

  • 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 updated