Partner Verification Responses

This page provides a reference of verification response bodies from different ID partners.

Identity Verification

Socure

Sample Socure Response (Successful)

{
  "response": {
    "kyc": {
      "dob": "Positive Correlation",
      "ssn": "Positive Correlation",
      "zip": "Positive Correlation",
      "city": "Positive Correlation",
      "state": "Positive Correlation",
      "surName": "Positive Correlation",
      "firstName": "Positive Correlation",
      "mobileNumber": "Positive Correlation",
      "streetAddress": "Positive Correlation",
      "Reason Code I919": "Full name, address, and SSN/ITIN can be resolved to the individual"
    },
    "fraud": {
      "sigma_2.0": "[LOW RISK] Fraud Score is within top 83.40 of riskiest applicants",
      "Reason Code I553": "Email address is more than 2 years old"
    },
    "social": {
      "social": [
        "https://twitter.com/ya38008926",
        "https://www.facebook.com/profile.php?id=100013544925409"
      ],
      "Reason Code I121": "Social networks match"
    },
    "alert_list": {
      "AlertList Matches": []
    },
    "email_risk": {
      "Email Risk Score": "[LOW RISK] Email Risk Score is within top 99.0 of riskiest applicants",
      "Reason Code I520": "Emailrisk score represents low risk",
      "Reason Code I555": "Email address domain is more than 180 days old",
      "Reason Code I556": "Email address can be resolved to the individual"
    },
    "phone_risk": {
      "Phone Risk Score": "[LOW RISK] Phone Risk Score is within top 99.0 of riskiest applicants",
      "Reason Code I602": "Phone number is a mobile line",
      "Reason Code I614": "Phone number has been in service more than 365 days",
      "Reason Code I616": "Phone number is associated with a Mobile Virtual Network Operator"
    },
    "address_risk": {
      "correlation": "Negative Correlation",
      "Reason Code I707": "Address is residential",
      "Reason Code I708": "Address can be resolved to the individual",
      "Reason Code I720": "Addressrisk score represents low risk"
    },
    "global_watchlist": {
      "Reason Code I196": "Global Watchlist sources selected are not correlated with the input identifiers",
      "WatchListMatches": {}
    },
    "name_email_correlation": {
      "correlation": "Positive Correlation",
      "Reason Code I556": "Email address can be resolved to the individual",
      "Reason Code I557": "Email address is correlated with the first name",
      "Reason Code I558": "Email address is correlated with the last name"
    },
    "name_phone_correlation": {
      "correlation": "Positive Correlation",
      "Reason Code I618": "Phone number can be resolved to the individual",
      "Reason Code I621": "Phone number is correlated with the first name",
      "Reason Code I622": "Phone number is correlated with the last name"
    },
    "name_address_correlation": {
      "correlation": "Positive Correlation",
      "Reason Code I708": "Address can be resolved to the individual",
      "Reason Code I709": "Address is correlated with the first name",
      "Reason Code I710": "Address is correlated with the last name"
    }
  }
}

Socure offers several different modules: AlertList, EmailRisk, PhoneRisk, AddressRisk, Fraud, KYC, Social, Global Watchlist

The most common bundle consists of AlertList, Fraud, EmailRisk, PhoneRisk, AddressRisk and AML Watchlist. Please speak to a Unit21 representative about configuring modules suited to your use case.

Test Data:

First Name: Berry
Sur Name: Hugo
DOB: 02/28/1975
National Id: 112-22-3333
Email: [email protected]
IP Address: 120.156.231.86
Mobile Number: +14159669090
Country: US
State: NY
City: New York
ZIP: 10036
Physical Address: 2243 W 43rd Street

Required API keys: SOCURE_API_KEY

Possible Results:

SOCURE_ACCEPT
SOCURE_REJECT
SOCURE_IDENTIFICATION_CHECK
SOCURE_RESUBMIT

The recommended decision made by Socure on Unit21 follows this logic diagram below.

<%= image_tag "images/unit21_socure_logic_diagram.png" %>

To better understand the Socure response, read Socure Documentation.

Socure Property	Unit21 Fields	CSV Field	Required?
firstName	`user_data.first_name`	`first_name`	✔️
surName	`user_data.last_name`	`last_name`	✔️
nationalId	`user_data.ssn`	`ssn`
dob	`user_data.date_of_birth`	️`date_of_birth`
ipAddress	`digital_data.ip_addresses`	`ip_address`
email	`communication_data.email_addresses`	`email`	Required if emailrisk module selected
mobileNumber	`communication_data.phone_numbers`	`phone_number`	Required if phonerisk module selected
country	`location_data.country`	`country`	✔️
state	`location_data.state`	`state`	Required if addressrisk module selected*
city	`location_data.city`	`city`	Required if addressrisk module selected*
zip	`location_data.zip_code`	`zip_code`	Required if addressrisk module selected*
physicalAddress	`location_data.building_number`, `location_data.street_name`	`street_address`	Required if addressrisk module selected*

*If addressrisk is selected, only one of country, state, city, zip is required

For better accuracy and results, send in as much information as possible

Business Verification

Middesk

Middesk gathers information about the business being verified and performs checks on:

The people associated with a business
Business name matching
Address verification
SOS Filings
Business watchlist screening

Notes:

Only works for US companies
Middesk verifications run asynchronously and do not call any of the verification webhooks whenever the verification is completed by Middesk
Currently cannot be executed as an on-demand verification. Only works on business entities through a verification workflow
The verifications will always generate an alert when the verification finishes, ignoring the workflow settings
Businesses will be automatically approved if they pass all the middesk checks
The verification response for middesk will be periodically updated as middesk performs the verification asynchronously and returns more data (response times can be in the range of multiple minutes or hours, depending on the complexity of the verification task)

Sample request to associate people to a business during entity creation

curl -X POST \
  https://<API_ENDPOINT>/v1/entities/create \
  -H 'Content-Type: application/json' \
  -H 'u21-key: <YOUR_API_KEY>' \
  -d '{
    ...
    "business_data": {
        "business_name": "Global Company LLC",
        "corporate_tax_id": "123-123-1234",
        "account_holder_name": "John Smith",
        "registered_state": "CA",
        "registered_country": "US",
        "people": [
            {
                "full_name": "Jane Doe"
            },
            {
                "full_name": "John Doe"
            }
        ]
    },
    ...
  }'

Middesk

Opencorporates Property	Unit21 Fields	CSV Field	Required?
name	`business_data.business_name`	`name`	✔
tin	`business_data.corporate_tax_id`	`tin`
state	`business_data.registered_state`	`registered_state`
people	`business_data.people`	`people`
city	`location_data.city`	`city`
postal_code	`location_data.zip_code`	`postal_code`
address	`location_data.building_number`, `location_data.street_name`	`address_line_1`

Watchlist Screening

Document Verification

In order to run document verifications on an entity, an entity must:

Be created via the entity creation API
Link necessary documents/images prior to running verification. See Link Media/Images - Entities. See requirements on documents/images below for what to upload to an entity
Run the verification on the entity

Document verifications will use the most recently uploaded images for the verification that meet the required creteria for running a verification.

E.g:

If IMAGE_PASSPORT_FRONT is uploaded first and IMAGE_DRIVERS_LICENSE_FRONT is uploaded afterwards, the verification will use the IMAGE_PASSPORT_FRONT since Driver's license requires both front and back images to run.
If two IMAGE_PASSPORT_FRONT are uploaded, then it will use the latest uploaded IMAGE_PASSPORT_FRONT

Au10tix

Sample Au10tix response (forged document)

{
  "CompletionStatus": "Ok",
  "CompletionTime": "2020-08-07T18:06:47.36",
  "DataAnalyticsReport": null,
  "DocumentAuthenticity": "Forged",
  "DocumentId": "5FB68271DFF44B8DB739336AFCA9879C",
  "DocumentScope": "IdentityDocuments",
  "DocumentSidesCode": 1,
  "DocumentStatusReport2": {
    "PrimaryProcessingResult": 40,
    "ProcessingResultRemarks": [20, 100]
  },
  "FaceComparisonReport": {
    "CompletionStatus": 140,
    "FaceComparisonModelId": "1",
    "FaceSimilarityRatio": 96,
    "ImageMetadata": {
      "EquipmentMaker": "",
      "EquipmentModel": "",
      "FileName": null,
      "ImageCreationDateTime": null,
      "Latitude": "",
      "Longitude": "",
      "SoftwareUsed": ""
    },
    "ImageQuality": {
      "IsGenerallyAcceptable": true
    },
    "LivenessDetectionReport": null,
    "ProcessedSupplementaryImageIndex": -1,
    "ReverseGeocodingReport": null
  },
  "IdentityDataInputStatus": null,
  "InternalData": {
    "Data1": "eyJXYWl0VGltZUluTWlsbGlzZWNvbmRzIjoxNTJ9",
    "Data3": "MTExMjE=",
    "Data4": "MTEyMQ=="
  },
  "OptionalData": null,
  "PageAsSeparateDocumentProcessingReports": [],
  "PassiveFaceLivenessDetectionReport": null,
  "PersonalInfoValidationReport": {
    "IsPersonalInfoValid": null,
    "PersonalInfoValidationTests": null
  },
  "ProcessedSupplementaryImages": [],
  "ProcessingDetails": {
    "ToleranceToRisk": 0
  },
  "ProcessingRequest": {
    "ChipProcessingRequest": null,
    "CreationTime": "2020-08-07T18:06:41.82",
    "DataVerificationRequest": null,
    "DocumentId": "5FB68271DFF44B8DB739336AFCA9879C",
    "DocumentProcessingParameters": {
      "IdentityDataInput": null,
      "ImageSource": "UncertifiedScanner",
      "IsFromCertifiedScanner": false,
      "IsToCheckAuthenticity": true,
      "Tag": null
    },
    "FaceComparisonRequest": {
      "ImageFileProcessingRequest": {
        "DataUnitSize": 53063,
        "ImageIllumination": "Visible"
      },
      "RequestState": 0
    },
    "PageProcessingRequests": [
      {
        "DataUnitProcessingRequests": [
          {
            "DataUnitSize": 507577,
            "ImageIllumination": "Visible"
          }
        ]
      }
    ],
    "ProcessingHints": null,
    "ProofOfAddressRequest": null,
    "WorkerId": null
  },
  "ProcessingResult": {
    "DocumentData2": {
      "Address": null,
      "Birthplace": null,
      "DateOfBirth": {
        "BadValueDescriptor": null,
        "Value": "1951-01-01T00:00:00"
      },
      "DateOfExpiry": {
        "BadValueDescriptor": null,
        "Value": "2016-01-01T00:00:00"
      },
      "DateOfIssue": null,
      "DocumentNumber": {
        "LanguageCode": "eng",
        "Value": "AAA000000"
      },
      "ExtendedData": {
        "Authority": null,
        "AuthorityLocal": null,
        "Barcodes": [],
        "BirthplaceLocal": null,
        "BloodType": null,
        "CalculatedAge": 69,
        "DocumentDiscriminator": null,
        "Employer": null,
        "Eyes": null,
        "FamilyName": null,
        "FatherName": null,
        "FirstNameLocal": null,
        "FirstNameToLatin": null,
        "Hair": null,
        "Height": null,
        "HusbandName": null,
        "IssuePlace": null,
        "LastNameLocal": null,
        "LastNameToLatin": null,
        "MiddleNameLocal": null,
        "MiddleNameToLatin": null,
        "MotherName": null,
        "Observations": null,
        "PersonalNumber": null,
        "RegistryCode": null,
        "VisaType": null,
        "VoterNumber": null,
        "Weight": null
      },
      "FirstName": {
        "LanguageCode": "spa",
        "Value": "JUAN"
      },
      "FullName": null,
      "Gender": {
        "LanguageCode": "eng",
        "Value": "M"
      },
      "LastName": {
        "LanguageCode": "spa",
        "Value": "ESPAÑOL ESPAÑOL"
      },
      "LocalDateOfIssue": null,
      "MiddleName": null,
      "Mrz": null,
      "Nationality": null,
      "OptionalData": {
        "LanguageCode": "eng",
        "Value": "00000051T"
      },
      "SocialSecurityNumber": null,
      "TaxIdNumber": null,
      "VerifiedAddress": null
    },
    "DocumentPartImages": [
      {
        "ImageData": null,
        "ImageQuality": null,
        "ImageTypeCode": 7,
        "SasToken": null
      },
      {
        "ImageData": null,
        "ImageQuality": {
          "IsGenerallyAcceptable": true
        },
        "ImageTypeCode": 6,
        "SasToken": null
      }
    ],
    "DocumentTypeDescriptor": {
      "Alias": null,
      "CountryIso3": "ESP",
      "DocumentType": "ID Card",
      "DocumentVersion": "V4",
      "State": "",
      "YearOfIssue": "2006"
    },
    "ForgeryTests": [
      {
        "ForgerySubtype": "Check Sum - Personal Number",
        "ForgeryType": "Data Integrity",
        "TestResult": "Forged"
      },
      {
        "ForgerySubtype": "Validation - Photo",
        "ForgeryType": "Data Integrity",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Validation - VIZ Date of Birth",
        "ForgeryType": "Data Integrity",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Validation - VIZ Date of Expiry",
        "ForgeryType": "Data Integrity",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Photo Replacement",
        "ForgeryType": "Digital",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Photo Replacement - Sharp Edge",
        "ForgeryType": "Digital",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Text Replacement",
        "ForgeryType": "Digital",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Text Alignment",
        "ForgeryType": "Structure",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "VIZ Fonts - Alphabetic",
        "ForgeryType": "Structure",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "VIZ Fonts - Digits",
        "ForgeryType": "Structure",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Photo Replacement",
        "ForgeryType": "Visible",
        "TestResult": "Authentic"
      },
      {
        "ForgerySubtype": "Text Replacement",
        "ForgeryType": "Visible",
        "TestResult": "Authentic"
      }
    ],
    "IsDataExtracted": true,
    "IsDocumentExpired": true,
    "OverallQuality": "Acceptable",
    "PageProcessingResults": [
      {
        "BarcodesProcessingReport": null,
        "CompletionStatus": "Ok",
        "DurationInMilliseconds": 4875,
        "IdentityDataInputReport": null,
        "IsExpectedSecondSide": true,
        "IsSignature": true,
        "ProcessedImages": [
          {
            "CroppedHeight": 847,
            "CroppedWidth": 1350,
            "Data": null,
            "EquipmentMaker": "",
            "EquipmentModel": "",
            "FileName": "Front.VIS.jpg",
            "ImageCreationDateTime": null,
            "ImageFileType": "jpg",
            "ImageType": "Visible",
            "IsColored": true,
            "IsReduced": null,
            "IsValidSize": true,
            "Latitude": "",
            "Longitude": "",
            "OriginalHeight": 855,
            "OriginalWidth": 1350,
            "Quality": {
              "IsAcceptableBlurMrz": null,
              "IsAcceptableBlurViz": true,
              "IsAcceptableDark": true,
              "IsAcceptableDpi": true,
              "IsAcceptableEntropy": true,
              "IsAcceptableImageIncomplete": true,
              "IsAcceptableLayout": true,
              "IsAcceptableMrz": null,
              "IsAcceptableObliquity": true,
              "IsAcceptableReflectionMrz": null,
              "IsAcceptableReflectionViz": true,
              "IsAcceptableSize": true,
              "IsAcceptableTextConfidenceMrz": null,
              "IsAcceptableTextConfidenceViz": true,
              "IsGenerallyAcceptable": true
            },
            "QualityBeforeAdjustment": {
              "IsAcceptableBlurMrz": null,
              "IsAcceptableBlurViz": true,
              "IsAcceptableDark": true,
              "IsAcceptableDpi": true,
              "IsAcceptableEntropy": true,
              "IsAcceptableImageIncomplete": true,
              "IsAcceptableLayout": true,
              "IsAcceptableMrz": null,
              "IsAcceptableObliquity": true,
              "IsAcceptableReflectionMrz": null,
              "IsAcceptableReflectionViz": true,
              "IsAcceptableSize": true,
              "IsAcceptableTextConfidenceMrz": null,
              "IsAcceptableTextConfidenceViz": true,
              "IsGenerallyAcceptable": true
            },
            "ReverseGeocodingReport": null,
            "SasToken": null,
            "SoftwareUsed": ""
          }
        ]
      }
    ],
    "ProcessedDocumentFeatures": "ImageUnderVisibleIllumination",
    "SdrCompletionStatus": "Ok"
  },
  "ProcessingStartTime": "2020-08-07T18:06:42.2",
  "ProofOfAddressReport": null,
  "RequestAcceptanceWarnings": [],
  "RequestRejectionInfo": null,
  "RiskManagementReport": null,
  "SdrVersion": "20.8.0.7"
}