With KBA Escalation

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

post
IDMatch5.0.Escalate
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
Response
Request
Body Parameters
user
required
string
Your account's API username
pass
required
string
Your account's API password
service
required
string
The service name (IDMatch5.0)
reference
optional
string
A unique identifier for your customer
target
required
object
The individual being sent for verification
fn
required
string
The target's first name
ln
required
object
The target's last name
addr
required
string
The target's street address (line 1 and line 2)
city
optional
string
the target's city
state
optional
string
The target's state
zip
required
string
The target's zip
dob
optional
string
The target's Date of Birth (YYYYMMDD format)
ssn
optional
string
The target's SSN (either 4 or 9)
phone
optional
string
The target's phone number
email
optional
string
The target's email address
age
optional
string
The age to check (must be sent like "age+" i.e. "18+", "21+" etc.)
test_key
optional
string
The test key value that you are using to test
Response
200: OK
Transaction processed and result returned
//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.
Test Cases
/testing-1/additional-test-cases
​
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. 
post
Submit Answers 
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
Response
Request
Body Parameters
token
required
string
The token returned during the initial request 
answers
required
object
The answers the user selected during the quiz
Response
200: OK
{
  "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.
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
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 

IDMATCH - Previous

United States

KYC/CIP Compliance

Last updated 3 months ago

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

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.

With KBA Escalation

postIDMatch5.0.Escalate

Sample Request Body

Request with Quiz Answers

postSubmit Answers

Sample Request for Answer Scoring

Action and Detail Responses

Issues Responses

Rules

post
IDMatch5.0.Escalate

post
Submit Answers