KYC/CIP Compliance

Identity verification via trusted and verified data sources in the United States with watchlist screening included.

IDMatchCOMPLY5.1

POST https://production.idresponse.com/process/comprehensive/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 2-3 seconds with a result object that includes an action, detail and issues object.

Request Body

NameTypeDescription

user

string

Your account's API username

pass

string

Your account's API password

service

string

The service name (IDMatch5.0)

reference

string

A unique identifier for your customer

target

object

The individual being sent for verification

fn

string

The target's first name

ln

object

The target's last name

addr

string

The target's street address (line 1 and line 2)

city

string

the target's city

state

string

The target's state

zip

string

The target's zip

dob

string

The target's Date of Birth (YYYYMMDD format)

ssn

string

The target's SSN (either 4 or 9)

phone

string

The target's phone number

email

string

The target's email address

age

string

The age to check (must be sent like "age+" i.e. "18+", "21+" etc.)

test_key

string

The test key value that you are using to test

{
  "meta": {
    "company": "Company ABC, Inc.",
    "confirmation": "21201890",
    "reference": "12345 {A UNIQUE ID}",
    "service": "IDMatchCOMPLY5.1",
    "timestamp": "2020-08-08 17:56:14",
    "user": "user@company.com"
  },
  "result": {
    "action": "REVIEW",
    "detail": "TRANSACTION REQUIRES FURTHER ATTENTION",
    "issues": [
      "SSN CHECK FAILED"
    ]
  }
}

Sample Request Body

{
      "user": "USERNAME",
      "pass": "PASSWORD",
      "service": "IDMatchCOMPLY5.1",
      "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"
          }
  }

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.

PASS

ALL CHECKS PASSED

Target was found, is not deceased and has passed all verification checks.

A PASS will still occur if the only issue is ADDRESS DISCREPANCY

Issues Responses

When a transaction returns as REVIEW 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

ADDRESS DISCREPANCY

The address provided is a partial match to one of the addresses found

YEAR OF BIRTH CHECK FAILED

The Year of Birth provided does not match any on file

SSN CHECK FAILED

The SSN provided does not match any on file

NAME FOUND ON WATCHLIST

The target has been found on a watchlist

Example for PASS with an issue

This service is slightly different from other services in that it can return one issue with a PASS action. This issue is ADDRESS DISCREPANCY and it will only return as PASS if there are no other issues present.

{
  "meta": {
    "company": "Company ABC, Inc.",
    "confirmation": "21201890",
    "reference": "12345 {A UNIQUE ID}",
    "service": "IDMatchCOMPLY5.1",
    "timestamp": "2017-08-08 17:56:14",
    "user": "user@company.com"
  },
  "result": {
    "action": "PASS",
    "detail": "ALL CHECKS PASSED",
    "issues": [
      "ADDRESS DISCREPANCY"
    ]
  }
}

Rules

IDMatch+COMPLY 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 or the only issue is ADDRESS DISCREPANCY

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

The base ruleset will return a FAIL when:

  • A match is not found

  • The target is deceased

Service Testing

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

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