Identifraud Response Explained

The verificationResult field contains the results when making an Identifraud request and contained within this field is a simplified interpretation of the raw Identifraud response codes to try and make it easier for applications to consume the data in the reponse. The raw response will contain the results of the individual tests performed on the data submitted as well as an encoded value that indicates the results of that test. To make that data easier to consume the simplified response interprets those result codes and provides a numerical score for each field that the test results apply to.

The Raw Identifraud Data

The raw data returned when making an Identifraud request contains numerous results and many of them are returned as encoded values. This can make the response difficult to interpret by client applications and this is the reason why the response has been simplified with the addition of the verified field and the scores array.

{
  "data": {
    "workflowOutcome": {
      "code": "F",
      "message": "Fail"
    },
    "primaryResult": {
      "code": "00",
      "message": ""
    },
    "transactionDetail": {
      "id": 64145265,
      "date": "2022-04-01T19:35:31.537",
      "customerReference": "",
      "errors": [],
      "warnings": []
    },
    "addressVerificationResult": {
      "code": "X0",
      "message": "No match on name; No match on address"
    },
    "addressUnitMismatchResult": {
      "code": "MU",
      "message": "Database shows an apartment or unit number needed at this address."
    },
    "addressTypeResult": {
      "code": "M",
      "message": "Submitted address is a residential multi family dwelling."
    },
    "addressHighRiskResult": {
      "code": "N",
      "message": "No address high risk information found for submitted address."
    },
    "driverLicenseResult": {
      "code": "M",
      "message": "DL number not submitted."
    },
    "driverLicenseFormat": {
      "code": "",
      "message": ""
    },
    "ssnResult": {
      "code": "M",
      "message": "Social Security Number was not supplied on search request Header file searched by name and address with no match found."
    },
    "ssnDetail": {
      "firstName": null,
      "lastName": null,
      "middleInitial": null,
      "street": null,
      "city": null,
      "state": null,
      "zipCode": null,
      "zipPlusFour": null,
      "areaCode": null,
      "phone": null,
      "dateOfBirth": null,
      "dateOfBirthResult": {
        "code": "",
        "message": ""
      },
      "reportedDate": {
        "day": "20",
        "month": "03",
        "year": "2022"
      },
      "lastTouchedDate": {
        "day": "07",
        "month": "04",
        "year": "2022"
      }
    },
    "ssnValidation": {
      "deceasedResult": {
        "code": "N",
        "message": "Not deceased - no matching files found on the death master list."
      },
      "formatResult": {
        "code": "V",
        "message": "Social Security Number is valid per Social Security Administration files."
      },
      "issueResult": {
        "code": "N",
        "message": "Social Security Number has not opened for issue"
      }
    },
    "ssnFinderDetails": [],
    "dateOfBirthResult": {
      "code": "5",
      "message": "Consumer not on file – no record."
    },
    "dateOfBirth": {
      "day": "",
      "month": "",
      "year": "1974"
    },
    "ofacValidation": {
      "ofacValidationResult": {
        "code": "1",
        "message": "No match to name or address."
      },
      "ofacRecord": null
    },
    "phoneVerificationResult": null,
    "phoneUnitMismatchResult": null,
    "phoneHighRiskResult": null,
    "phoneVerificationDetail": null,
    "emailVerificationResult": null,
    "emailValidationResult": null,
    "emailReasonResult": null,
    "emailRepositoryResult": null,
    "emailAddressDetails": null,
    "questions": [
      {
        "text": "Which one of the following addresses is associated with you?",
        "questionType": 1,
        "answers": [
          {
            "text": "35690 CORTEEN PL",
            "isCorrect": true
          },
          {
            "text": "93602 MEADOWCREST RD",
            "isCorrect": false
          },
          {
            "text": "14940 BLYTHE ST",
            "isCorrect": false
          },
          {
            "text": "21270 CEDROS AV",
            "isCorrect": false
          },
          {
            "text": "None of the above",
            "isCorrect": false
          }
        ]
      }
    ]
  }
}

Simplified Response

The verified value is derived from the value of the workflowOutcome.code field. When the workflowOutcome.code is either Failed or Needs Further Review the verified field will contain false. Only when the workflowOutcome.code is Passed will the verified field be true.

workflowOutcome.code Value	verified Value
F	false
N	false
P	true

The scoring fields returned are based on the codes in the more raw response. The scoring can be applied to each field in a way that will indicate whether the address or name of date of birth was able to be verified. We recommend using 70 as a threshold to indicate signs of a field being fraudulent.

{
  "verificationResult": {
    "verified": false,
    "scores": [
      {
        "fieldName": "FirstName",
        "score": 0
      },
      {
        "fieldName": "FamilyName",
        "score": 0
      },
      {
        "fieldName": "Address",
        "score": 60
      },
      {
        "fieldName": "City",
        "score": 0
      },
      {
        "fieldName": "State",
        "score": 0
      },
      {
        "fieldName": "Zip",
        "score": 0
      },
      {
        "fieldName": "Country",
        "score": 0
      },
      {
        "fieldName": "Dob",
        "score": 60
      },
      {
        "fieldName": "SSN",
        "score": 100
      },
      {
        "fieldName": "FullName",
        "score": 0
      }
    ]
  }
}