Page Comparison

Business Score

The BVI (business verification index) is an index that summarizes the verification of the business information

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• 0 - Nothing found to confirm the existence of the business.

• 10 - Significant contradictory findings or an OFAC match exists or only single input elements are valid.

• 20 - Partial verification of input data; business may exist but can’t be positively confirmed.

• 30 - Business identity confirmed, but failure to verify all identity elements.

• 40 - Strong verification of the input data is confirmed.

• 50 - Business is verified with no contradictory findings.

Verification Code

• Matches Value

• No Match

• 0 - No business inputs verified on this source.

• 1 - One of the following verified: Input Business name, address, phone or federal EIN.

• 2 - Two of the following verified: Input Business name, address, phone, and/or federal EIN.

• 3 - Three of the following verified: Input Business name, address, phone, and/or federal EIN.

• 4 - All input business information verified.

Company Name Verification

• Truthy

• Falsy

No value. Operators serves as the value.

Street Address Verification

• Truthy

• Falsy

No value. Operators serves as the value.

City Verification

• Truthy

• Falsy

No value. Operators serves as the value.

State Verification

• Truthy

• Falsy

No value. Operators serves as the value.

ZIP Verification

• Truthy

• Falsy

No value. Operators serves as the value.

Phone Verification

• Truthy

• Falsy

No value. Operators serves as the value.

EIN Verification

• Truthy

• Falsy

No value. Operators serves as the value.

Risk Indicator Code

• Matches Value

• No Match

• 10 - The input business name matches OFAC file.

• 11 - The input business name matches non-OFAC global watchlist(s)

• 12 - Bankruptcy on record suggests the business may be defunct

• 13 - Business not in good standing according to the Secretary of State

• 14 - Business inactive according to the Secretary of State

• 15 - Business is not registered at Secretary of State of input business state

• 16 - The input business TIN is associated with a different business name and address

• 17 - Unable to verify business name, address, TIN and phone on business records

• 18 - Unable to verify business name on business records, but alternate business name found in business records

• 19 - Unable to verify business name on business records

• 20 - Unable to verify business address on business records

• 21 - Unable to verify business TIN on business records

• 22 - Unable to verify business phone number on business records

• 23 - Business first reported in last 12 months

• 24 - Business first reported in last 24 months

• 25 - The input business address may be a previous address

• 26 - Address mismatch between the input business city/state and zip code

• 27 - The input business address is a vacant address

• 28 - The input business phone number may be disconnected

• 29 - The input phone number is associated with a different name and address

• 30 - The input business may be associated with a post office box

• 31 - The input business phone number is a mobile number

• 32 - The input business zip code has a prison within the zip code area

• 33 - The input business zip code is a military only zip code

• 34 - The input business address may be a residential address (single family dwelling)

• 35 - The input business phone number may be associated with a residential listing

• 36 - The input business phone number and business address on record are geographically distant (> 10 miles)

• 37 - The input business TIN is not found

• 38 - No updates to business record in the past 36 months

• 39 - No updates to business record in the past 24 months

• 40 - No updates to business record in the past 12 months

• 41 - Business operates or has operated at multiple locations

• 42 - Business has been banned from doing business with the government

• 43 - The input business address may be invalid according to postal specifications

• 44 - The input business phone number is potentially invalid

• 45 - The input business TIN is potentially invalid

• 46 - The input business name matches the input alternate business name

• 47 - The input business name may have been miskeyed

• 48 - The input business address may have been miskeyed

• 49 - The input business phone number may have been miskeyed

• 50 - The input business TIN may have been miskeyed

• 51 - The input business name was missing

• 52 - The input business address was missing

• 53 - The input business phone was missing or incomplete

• 54 - The input business TIN was missing or incomplete

OFAC Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

Global Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

Business Risk Address Match

Is PresentYes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

Business to Rep Link Index

• Matches Value

• No Match

• 0 - The input authorized rep cannot be linked to the business

• 10 - The input authorized rep’s address is the same as the input business address.

  • The input authorized rep’s first or last name appears as part of the input business name.

  • The input authorized rep’s phone is the same as the input business phone.

• 20 - The input authorized rep’s SSN is the same as the input business FEIN.

  • The input authorized rep’s address and first or last name is the same as the input business’ address and part of the name.

• 30 - The input authorized rep’s address matches the business address on record.

  • The input authorized rep’s first or last name appears as part of the business name on record.

  • The input authorized rep’s phone matches the business phone on record.

• 40 - The input authorized rep’s address matches the personal address of a business contact on record.

  • The input authorized rep’s SSN matches the business FEIN on record.

  • The input authorized rep’s address and first or last name matches the business’ address and part of the name on record.

• 50 - The input authorized rep’s first and last name matches the first and last name of a business contact on record.

  • The input authorized rep’s SSN matches the SSN of a business contact on record.

REP CVI Score

• Matches Value

• No Match

• 0 - The input authorized rep cannot be linked to the business

• 10 - The input authorized rep's address is the same as the input business address.

  • The input authorized rep's first or last name appears as part of the input business name.

  • The input authorized rep's phone is the same as the input business phone.

• 20 - The input authorized rep's SSN is the same as the input business FEIN.

  • The input authorized rep's address and first or last name is the same as the input business’ address and part of the name.

• 30 - The input authorized rep's address matches the business address on record.

  • The input authorized rep's first or last name appears as part of the business name on record.

  • The input authorized rep's phone matches the business phone on record.

• 40 - The input authorized rep's address matches the personal address of a business contact on record.

  • The input authorized rep's SSN matches the business FEIN on record.

  • The input authorized rep's address and first or last name matches the business’ address and part of the name on record.

• 50 - The input authorized rep's first and last name matches the first and last name of a business contact on record.

  • The input authorized rep's SSN matches the SSN of a business contact on record.

REP Risk Indicator Score

• Matches Value

• No Match

• 02 - The input SSN is reported as deceased

• 03 - The input SSN was issued prior to the input date-of-birth

• 04 - The input last name and SSN are verified, but not with the input address and phone.

• 05 -

• 06 - The input SSN is invalid

• 07 - The input phone number may be disconnected

• 08 - The input phone number is potentially invalid

• 09 - The input phone number is a pager number

• 10 - The input phone number is a mobile number

• 11 - The input address may be invalid according to postal specifications

• 12 - The input zip code belongs to a post office box

• 13 -

• 14 - The input address is a transient commercial or institutional address

• 15 - The input phone number matches a transient commercial or institutional address

• 16 - The input phone number and input zip code combination is invalid

• 19 - Unable to verify name, address, SSN/TIN and phone

• 20 -

• 21 -

• 22 -

• 23 -

• 24 -

• 25 - Unable to verify address

• 26 - Unable to verify SSN/TIN

• 27 - Unable to verify phone number

• 28 - Unable to verify date-of-birth

• 29 - The input SSN/TIN may have been miskeyed

• 30 - The input address may have been miskeyed

• 31 - The input phone number may have been miskeyed

• 32 - The input name matches the OFAC file

• 33 -

• 34 -

• 35 -

• 36 -

• 37 - Unable to verify name

• 38 - The input SSN is associated with multiple last names

• 39 - The input SSN is recently issued

• 40 -

• 41 - The input driver's license number is invalid for the input DL State

• 42 -

• 43 -

• 44 - The input phone area code is changing

• 45 -

• 46 - The input work phone is a pager number

• 47 -

• 48 - Unable to verify first name

• 49 - The input phone and address are geographically distant (>10 miles)

• 50 - The input address matches a prison address

• 51 - The input last name is not associated with the input SSN

• 52 - The input first name is not associated with the input SSN

• 53 - The input home phone and work phone are geographically distant (>100 miles)

• 54 -

REP DOB Code

• Matches Value

• No Match

• 0

• 1

• 2

• 3

• 4

• 5

• 6

• 7

• 8

REP NAS Code

• 0 - Nothing found for input criteria

• 1 - Input SSN is associated with a different name and address

• 2 - Input First name and Last Name matched

• 3 - Input First name and Address matched

• 4 - Input First name and SSN matched

• 5 - Input Last name and Address matched

• 6 - Input Address and SSN matched

• 7 - Input Last name and SSN matched

• 8 - Input First name, Last name, and Address matched

• 9 - Input First name, Last name and SSN matched

• 10 - Input First name, Address, and SSN matched

• 11 - Input Last name, Address, and SSN matched

• 12 - Input First name, Last name, Address and SSN matched

REP NAP Code

• 0 - Nothing found for input criteria

• 1 - Input Phone is associated with a different name and address

• 2 - First name and Last name matched

• 3 - First name and Address matched

• 4 - First name and Phone matched

• 5 - Last name and Address matched

• 6 - Address and Phone matched

• 7 - Last name and Phone matched

• 8 - First name, Last name, and Address matched

• 9 - First name, Last name, and Phone matched

• 10 - First name, Address, and Phone matched

• 11 - Last name, Address, and Phone matched

• 12 - First name, Last name, Address, and Phone matched

REP Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

REP PO Box Address

• Truthy

• Falsy

No value. Operators serves as the value.

REP Decedent Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

CVI Code

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• 0 - Nothing verified

• 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist

• 20 - Minimal verification, critical ID elements not verified or associated with different person(s)

• 30 - Several ID elements verified

• 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures

• 50 - Full name, address, phone, SSN verified

Risk Indicator Code

• Matches Value

• No Match

• 02 - The input SSN is reported as deceased

• 03 - The input SSN was issued prior to the input date-of-birth

• 04 - The input last name and SSN are verified, but not with the input address and phone

• 06 - The input SSN is invalid

• 07 - The input phone number may be disconnected

• 08 - The input phone number is potentially invalid

• 09 - The input phone number is a pager number

• 10 - The input phone number is a mobile number

• 11 - The input address may be invalid according to postal specifications

• 12 - The input zip code belongs to a post office box

• 14 - The input address is a transient commercial or institutional address

• 15 - The input phone number matches a transient commercial or institutional address

• 16 - The input phone number and input zip code combination is invalid

• 19 - Unable to verify name, address, SSN/TIN and phone

• 25 - Unable to verify address

• 26 - Unable to verify SSN/TIN

• 27 - Unable to verify phone number

• 28 - Unable to verify date-of-birth

• 29 - The input SSN/TIN may have been miskeyed

• 30 - The input address may have been miskeyed

• 31 - The input phone number may have been miskeyed

• 32 - The input name matches the OFAC file

• 37 - Unable to verify name

• 38 - The input SSN is associated with multiple last names

• 39 - The input SSN is recently issued

• 41 - The input driver's license number is invalid for the input DL State

• 44 - The input phone area code is changing

• 46 - The input work phone is a pager number

• 48 - Unable to verify first name

• 49 - The input phone and address are geographically distant (>10 miles)

• 50 - The input address matches a prison address

• 51 - The input last name is not associated with the input SSN

• 52 - The input first name is not associated with the input SSN

• 53 - The input home phone and work phone are geographically distant (>100 miles)

• 55 - The input work phone is potentially invalid

• 56 - The input work phone is potentially disconnected

• 57 - The input work phone is a mobile number

• 64 - The input address returns a different phone number

• 66 - The input SSN is associated with a different last name, same first name

• 71 - The input SSN is not found in the public record

• 72 - The input SSN is associated with a different name and address

• 74 - The input phone number is associated with a different name and address

• 75 - The input name and address are associated with an unlisted/non-published phone number

• 76 - The input name may have been miskeyed

• 77 - The input name was missing

• 78 - The input address was missing

• 79 - The input SSN/TIN was missing or incomplete

• 80 - The input phone was missing or incomplete

• 81 - The input date-of-birth was missing or incomplete

• 82 - The input name and address return a different phone number

• 83 - The input date-of-birth may have been miskeyed

• 85 - The input SSN was issued to a non-US citizen

• 89 - The input SSN was issued within the last three years

• 90 - The input SSN was issued after age five (post-1990)

• CA - The primary input address is a Commercial Mail Receiving Agency

• CL - The input SSN is not the primary SSN for the input identity

• CO - The input zip code is a corporate only zip code

• CZ - Address mismatch between city/state and zip code

• DD - A different driver's license number has been found for the input applicant

• DF - The input driver’s license number is valid and is not on record

• DI - The input identity is reported as deceased

• DM - The input driver's license number may have been miskeyed

• DV - Unable to verify driver's license number

• IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity

• IT - The input SSN is an ITIN

• MI - Multiple identities associated with the input SSN

• MO - The input zip code is a military only zip code

• MS - Multiple SSNs reported with applicant

• NB - No date-of-birth reported for the input identity

• NF - The input first name and last name may have been flipped

• PA - Potential address discrepancy - the Input address may be previous address

• PO - The primary input address is a PO Box

• RS - The input SSN was possibly randomly issued by the SSA

• SD - The input address State is different than the LN best address State for the input identity

• SR - Address mismatch on secondary address range

• VA - The input address is a vacant address

• WL - The input name matches one or more of the non-OFAC global screening list(s)

• ZI - Unable to verify zip code

NAS Code

• Matches Value

• No Match

• 0 - Nothing found for input criteria

• 1 - Input SSN is associated with a different name and address

• 2 - Input First name and Last Name matched

• 3 - Input First name and Address matched

• 4 - Input First name and SSN matched

• 5 - Input Last name and Address matched

• 6 - Input Address and SSN matched

• 7 - Input Last name and SSN matched

• 8 - Input First name, Last name and Address matched

• 9 - Input First name, Last name and SSN matched

• 10 - Input First name, Address, and SSN matched

• 11 - Input Last name, Address, and SSN matched

• 12 - Input First name, Last name, Address and SSN matched

NAP Code

• Matches Value

• No Match

• 0 - Nothing found for input criteria

• 1 - Input Phone is associated with a different name and address

• 2 - First name and Last name matched

• 3 - First name and Address matched

• 4 - First name and Phone matched

• 5 - Last name and Address matched

• 6 - Address and Phone matched

• 7 - Last name and Phone matched

• 8 - First name, Last name, and Address matched

• 9 - First name, Last name, and Phone matched

• 10 - First name, Address, and Phone matched

• 11 - Last name, Address, and Phone matched

• 12 - First name, Last name, Address, and Phone matched

Decedent Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

SSN Match

• Matches Value

• No Match

• B

• F

• G

• M

• O

• R

• S

• U

• X

• Z

DOB Code

• Matches Value

• No Match

• 0

• 1

• 2

• 3

• 4

• 5

• 6

• 7

• 8

PO Box Address

• Truthy

• Falsy

No value. Operators serves as the value.

Watch List Match

Is PresentYes

The operator serves as the value.

If any result is present, fail for trigger the decision action.

Consumer Time Last Seen With Phones

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

Consumer Time with Phones

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

Deceased Indicators

• Matches Value

• No Match

• N - No

• Y - Yes

Phone Verification Message

• Matches Value

• No Match

• Input phone number cannot be verified.

• Input phone number matches name.

• Input phone number matches name and address.

• Input phone number matches last name.

Primary Identity Full Name

Primary Phone Carrier

Primary Phone Type

• Truthy

• Falsy

No value. Operators serves as the value.

Primary Phone Carrier

• Matches Value

• No Match

• Is Empty

Primary Phone Type

• Matches Value

• No Match

• Landline

• Cable

• Possible Wireless

• Possible VoIP

• Other/Unknown

Primary Phone Risk Count High

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

Primary Phone Risk Count Medium

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

Primary Phone Risk Count Low

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

Primary Phone Risk Indicator Messages

• Matches Value

• No Match

• Phone is not active with this person.

• Phone # is a Prepaid Phone.

• First Seen Date is within X and Y days (first date range).

• First Seen Date is within X and Y days (second date range).

• First Seen Date is within X and Y days (third date range).

• Last Seen Date is older than "X" days.

• Primary Phone is listed as a Business.

• Primary Subject associated to the phone is deceased.

• Primary address is zoned as Business.

• Primary Phone Area Code is not in the same state as Primary Address.

• Primary address is not the "Current" address for the Primary Subject.

• Phone # has been ported within the past "X" days.

• Phone # has been ported more than "X" times with this person.

• Phone # has been spoofed within the past "X" days.

• Phone # was the origination phone used to spoof another phone # within the past "X" days.

• Phone # was the destination phone used in a spoofing activity within the past "X" days.

• Phone # was the spoofed phone used in a spoofing activity within the past "X" days.

• Phone # has had "X" search requests within the past "Y" days.

• Phone # has received "X" OTP requests within the past "Y" days.

• Phone # is associated with a No Contract Carrier.

• Phone # has been ported in the last "Input A" to "Input B" days (second date range).

• Phone # has been ported in the last "Input A" to "Input B" days (third date range).

• Phone Service Type is VOIP.

• Phone Service Type is Wireless.

• Phone Service Type is Landline.

• Phone # is currently being Forwarded.

• Phone service type is Other/Unknown.

• Phone service type is Cable.

• No First Seen Date associated with Phone #.

• No Last Seen Date associated with Phone #.

• No First Seen and Last Seen Date associated with Phone #.

• SIM Card Information has changed in the last "X" days.

• Device Information has changed in the last "X" days.

• Phone Number part of a recently rejected transaction in the Digital Identity Network.

• Phone Number present on Digital Identity Blacklist.

• Phone Number associated w/ fraud in the Digital Identity Network.

• The Digital Identity associated with the phone number has a bad reputation.

• Phone Number First Seen Recently in Digital Identity Network.

• High Count of Devices Associated to Phone Number in Past Month.

• High Count of Email Addresses Associated to Phone Number in Past Month.

• Phone Seen in High Number of Countries in the Past Month.

• Surname of Phone's Listing Name does not match Identity Found.

• Phone linked to identity by self-reported sources only.

• Phone Number is associated with more than "Input B" Identities.

• No Phone Associated with Subject*.

• No Identity*.

Primary Phone Risk Indicator Status

• Matches Value

• No Match

• Pass

• Warn

• Fail

Primary Phone Status

• Matches Value

• No Match

• Active

• Inactive

Primary Phone Verification Indicator

• Matches Value

• No Match

• Active

• Inactive

Reason Codes

Correlation ID

Is EmptyYes

The operator serves as the value.

If the correlation ID value is empty, fail for trigger the decision action.

Entity Type

• Matches Value

• No Match

• 0

• 1

• 2

• 3

• 4

• 5

• 6

Entity Public

• Matches Value

• No Match

• 0

• 1

Entity Client IP

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TC Date

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TC Accept Date

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TC Version

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TIN Status

• Matches Value

• No Match

• 0

• 1

• 2

• 3

Entity Industry

Is Present

The operator serves as the value.

If any result is present, trigger the decision action.

Merchant Environment

• Matches Value

• No Match

• Supermarket

• Moto (Mail Order / Telephone)

• Card Present

• Fuel

• Service Station

• Restaurant

• eCommerce

Merchant Annual Credit Card Sales

• Greater than or equal to threshold.

• Less than or equal to threshold.

Monthly Volume

• Greater than or equal to threshold.

• Less than or equal to threshold.

Merchant Average Ticket

• Greater than or equal to threshold.

• Less than or equal to threshold.

Merchant Established Date

• Greater than or equal to threshold.

• Less than or equal to threshold.

• Is Empty

Merchant MCC

• Matches Value

• No Match

Plaid Verification

• Truthy

• Falsy

No value. Operators serves as the value.

Custom

• Matches Value

• No Match

• Is Present

• Is Empty

Members Significant Responsibility

Falsy

Members Politically Exposed

• Matches Value

• No Match

• 1

Members SSN

• Matches Value

• Is Empty

TIN

• Matches Value

• Is Empty

Global Business ID

• Matches Value

• Is Empty

Email Domain

Matches Value

Routing Number

Matches Value

Change Request

Matches Value

Division ID

• Matches Value

• No Match

Entity Type

• Matches Value

• No Match

• 0

• 1

• 2

• 3

• 4

• 5

• 6

Entity Public

• Matches Value

• No Match

• 0

• 1

Entity Client IP

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TC Date

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TC Accept Date

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TC Version

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.

Entity TIN Status

• Matches Value

• No Match

• 0

• 1

• 2

• 3

Entity Industry

Is Present

The operator serves as the value.

If any result is present, trigger the decision action.

Merchant Environment

• Matches Value

• No Match

• Supermarket

• Moto (Mail Order / Telephone)

• Card Present

• Fuel

• Service Station

• Restaurant

• eCommerce

Merchant Annual Credit Card Sales

• Greater than or equal to threshold.

• Less than or equal to threshold.

Monthly Volume

• Greater than or equal to threshold.

• Less than or equal to threshold.

Merchant Average Ticket

• Greater than or equal to threshold.

• Less than or equal to threshold.

Merchant Established Date

• Greater than or equal to threshold.

• Less than or equal to threshold.

• Is Empty

Merchant MCC

• Matches Value

• No Match

Plaid Verification

• Truthy

• Falsy

No value. Operators serves as the value.

Custom

• Matches Value

• No Match

• Is Present

• Is Empty

Transaction Payment Method

• Matches Value

• No Match

• Amex

• Visa

• Mastercard

• Diners Club

• Discover

• PayPal

• Debit

• Checking

• Savings

• Corporate Checking

• Corporate Savings

• Gift Card

• EBT

• WIC

Transaction Total

• Greater than or equal to threshold.

• Less than or equal to threshold.

Routing Number

Matches Value

Imported

• Matches Value

• No Match

• 0

• 1

Type

• Matches Value

• No Match

• 1

• 2

• 3

• 4

• 5

• 6

• 7

• 8

• 9

• 10

• 11

• 12

Card on File Type

• Matches Value

• No Match

• Single

• Scheduled

• Unscheduled

Origin

• Matches Value

• No Match

• 1

• 2

• 3

• 4

• 5

• 6

• 7

• 8

Token

• Is Present

• Is Empty

Auth Code

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision action.