Understanding Policies

RealtimeMemberSearch

Designed to identify Individuals who have been designated risks by the US and Foreign governments.

• Entity Score

• Address Conflict

• Citizenship Conflict

• Country Conflict

• DOB Conflict

• Entity Type Conflict

• Gender Conflict

• ID Conflict

• Phone Conflict

RealtimeBusinessSearch

Designed to identify Business who have been designated risks by the US and Foreign governments.

• Entity Score

• Address Conflict

• Citizenship Conflict

• Country Conflict

• DOB Conflict

• Entity Type Conflict

• Gender Conflict

• ID Conflict

• Phone Conflict

MasterCardMatch

A database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for a set of very specific reasons. Submissions can be flagged based on a partial, full or no match indicator.

• Possible Matches

• Name

• DoingBusinessAsName

• Address

• Phone Number

• Alt Phone Number

• Country Subdivision Tax ID

• National Tax ID

• Service Provider Legal

• Service Provider DBA

• Representative Name

• Representative Address

• Representative Phone Number

• Representative Alt Phone Number

• Representative National ID

• Representative Drivers License

• ID Theft Rep National ID

• ID Theft Rep National Tax ID

• Termination Reason Code

BusinessInstantId

Validates and verifies a Business information, and TIN across multiple databases using a powerful, proprietary search and comparison process.

• Business Score

• Verification Code

• Company Name Verification

• Street Address Verification

• City Verification

• State Verification

• ZIP Verification

• Phone Verification

• EIN Verification

• Risk Indicator Code

• OFAC Watch List Match

• Global Watch List Match

• Business Risk Address Match

• Business to Rep Link Index

• REP CVI Score

• REP Risk Indicator Score

• REP DOB Code

• REP NAS Code

• REP Watch List Match

• REP PO Box Address

• REP Decedent Match

ConsumerInstantId

Validates and verifies a consumer's identity information, and DOB across multiple databases using a powerful, proprietary search and comparison process.

ConsumerInstantIdBasic

ThreatMetrix

A comprehensive digital identity to authenticate each connecting user by combining information relating to devices, anonymized identity information, behavior patterns and threat intelligence.

TxnThreatMetrix

ThreatMetrixEmailage

ThreatMetrixFraudpoint

ThreatMetrixPhoneFinder

LegitScriptRegister

Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.

EquifaxConsumerCreditReport

CharityCheck

Ensure charities are compliant within key databases including IRS Publication 78, IRS Business Master File, Internal Revenue Bulletin, Automatic Revocation of Exemption, and OFAC Specially Designated National list.

GiactInquiry

GIACT Inquiry

GiactTxnInquiry

GIACT Inquiry for Transaction

GiactGauthenticate

GiactTxnGauthenticate

PayloadAttribute

PayloadTransactionAttribute

RiskRating

TransactionSize

TransactionAttribute

TransactionAuthorization

AvsResponse

CountryBlock

TransactionMetrics

TinCheck

Validates your recipient's Name/TIN information in real-time against the IRS database, the Office of Foreign Assets Control list (OFAC), and the Death Master File (DMF) to ensure you have valid recipient Name/TIN information.

TruliooIdv

TruliooBusinessVerification

TruliooAsyncBusinessVerification

TruliooAmlIdv

PlaidGetIdentity

PlaidIdentityMatch

TxnPlaidIdentityMatch

TxnPlaidGetIdentity

TxnPlaidGetAuth

BaselineTxnMetricsOutlierTicketSize

Entity Score

A score indicating the confidence in the identity match.

• Greater Than or equal to threshold

• Less Than or equal to threshold

Score values: 0 - 100

Address Conflict

Whether the address information for screening list entity matches.

• Truthy

• Falsy

No value. Operator serves as the value.

Citizenship Conflict

Whether the citizenship information for screening list entity matches.

• Truthy

• Falsy

No value. Operator serves as the value.

Country Conflict

Whether the country information for screening list entity matches.

• Truthy

• Falsy

No value. Operator serves as the value.

DOB Conflict

Whether the Date of Birth information for screening list entity matches

• Truthy

• Falsy

No value. Operator serves as the value.

Entity Type Conflict

Whether the Entity Type information for screening list entity matches

• Truthy

• Falsy

No value. Operator serves as the value.

Gender Conflict

Whether the Date of Birth information for screening list entity matches

• Truthy

• Falsy

No value. Operator serves as the value.

ID Conflict

Whether the ID information for screening list entity matches

• Truthy

• Falsy

No value. Operator serves as the value.

Phone Conflict

Whether the ID information for screening list entity matches

• Truthy

• Falsy

No value. Operator serves as the value.

Possible Matches

Indicates that any match was made with the MATCH watchlist.

• Truthy

• Falsy

No value. Operator serves as the value.

Name

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

DoingBusinessAsName

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Address

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Phone Number

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Alt Phone Number

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Country Subdivision Tax ID

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

National Tax ID

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Service Provider Legal

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Service Provider DBA

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Representative Name

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Representative Address

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Representative Phone Number

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Representative Alt Phone Number

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Representative National ID

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Representative Drivers License

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

ID Theft Rep National ID

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

ID Theft Rep National Tax ID

• Matches Value

• No Match

• M00 - No Match

• M01 - Exact Match

• M02 - Phonetic Match

Termination Reason Code

• Matches Value

• No Match

• 1 - Account Data Compromise

• 2 - Common Point of Purchase (CPP)

• 3 - Laundering

• 4 - Excessive Chargebacks

• 5 - Excessive Fraud

• 6 - Reserved for Future Use

• 8 - Mastercard Questionable Merchant Audit Program

• 9 - Bankruptcy/Liquidation/Insolvency

• 10 - Violation of Standards

• 11 - Merchant Collusion

• 12 - PCI Data Security Standard Noncompliance

• 13 - Illegal Transactions

• 14 - Identity Theft

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. Operator serves as the value.

Street Address Verification

• Truthy

• Falsy

No value. Operator serves as the value.

City Verification

• Truthy

• Falsy

No value. Operator serves as the value.

State Verification

• Truthy

• Falsy

No value. Operator serves as the value.

ZIP Verification

• Truthy

• Falsy

No value. Operator serves as the value.

Phone Verification

• Truthy

• Falsy

No value. Operator serves as the value.

EIN Verification

• Truthy

• Falsy

No value. Operator 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 this decision.

Global Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for this decision.

Business Risk Address Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for this decision.

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 this decision.

REP PO Box Address

• Truthy

• Falsy

No value. Operator serves as the value.

REP Decedent Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for this decision.

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 this decision.

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. Operator serves as the value.

Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for this decision.

Red Flag Code

• Matches Value

• No Match

• 02 - The input SSN is reported as deceased

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

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

• 06 - The input SSN is invalid or not yet issued

• 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

• 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

• 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

• 38 - The input SSN is associated with multiple last

• 39 - The input SSN is recently issued

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

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

• 50 - The input address matches a prison address

• 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

• 73 - The input phone number is not found in the public record

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

• 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

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

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

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

• 91 - Security Freeze (CRA corrections database)

• 93 - Identity Theft Alert (CRA corrections database)

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

• 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

• 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 names

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

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

• PO - The primary input address is a PO Box

• SR - Address mismatch on secondary address range

• VA - The input address is a vacant address

• ZI - Unable to verify zip code

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 this decision.

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. Operator serves as the value.

Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for this decision.

Review Status

The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.

• Matches Value

• No Match

• Pass

• Reject

• Review

• Challenge

Policy Score

The policy score which is calculated as the sum of the individual risk weights of its rules.

• Greater Than or equal to threshold

• Less Than or equal to threshold

Score values: -100 to +100

Reason Codes

The reason codes which indicate the rules that triggered during policy evaluation.

• Matches Value

• No Match

Risk Rating

The associated risk value based on policy score ranges determined in the policy settings.

• Matches Value

• No Match

• High

• Medium

• Low

• Neutral

• Trusted

Review Status

The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.

• Matches Value

• No Match

• Pass

• Reject

• Review

• Challenge

Policy Score

The policy score which is calculated as the sum of the individual risk weights of its rules.

• Greater Than or equal to threshold

• Less Than or equal to threshold

Score values: -100 to +100

Reason Codes

The reason codes which indicate the rules that triggered during policy evaluation.

• Matches Value

• No Match

Risk Rating

The associated risk value based on policy score ranges determined in the policy settings.

• Matches Value

• No Match

• High

• Medium

• Low

• Neutral

• Trusted

Fraud Risk Score

• Greater Than or equal to threshold

• Less Than or equal to threshold

Risk Reason

• Matches Value

• No Match

Risk Band

• Matches Value

• No Match

Digital Identity Score

• Greater Than or equal to threshold

• Less Than or equal to threshold

Total Hits

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

Unique Hits Level

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

Fraud Type

• Matches Value

• No Match

Email Exists

• Matches Value

• No Match

Email Creation Days

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

First Seen Days

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

Name Match

• Matches Value

• No Match

Domain Risk Level

• Matches Value

• No Match

Domain Exists

• Matches Value

• No Match

Domain Relevant Info

• Matches Value

• No Match

Domain Creation Days

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

Domain Country Name

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

Domain Corporate

• Matches Value

• No Match

IP Risk Level

• Matches Value

• No Match

IP Risk Reason

• Matches Value

• No Match

Email To IP Confidence

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• Is Empty

Email to Phone Confidence

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• Is Empty

Email to Name Confidence

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• Is Empty

IP to Phone Confidence

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• Is Empty

IP to Name Confidence

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

• Is Empty

Email Owner Friend Count

• Greater Than or equal to threshold

• Less Than or equal to threshold

• Matches Value

• No Match

Phone Status

• Matches Value

• No Match

• Is Empty

Phone Owner Match

• Matches Value

• No Match

• Is Empty

Phone Carrier Type

• Matches Value

• No Match

• Is Empty

Reason Codes

• Matches Value

• No Match