Socure Transformation

Starting in August of 2021, integrators can work with Prime Trust to adopt the use of Socure for CIP checks. This document describe the integration changes for Socure adoption.

Changes to resources

The changes apply to the following resources:

  • /v2/cip-checks

Changes to attributes

The changes include new values for the exceptions attribute:

Possible values:

"namephonecorrelation",
" synthetic ",
" addressrisk "
" alertlist ",
" fraud ",
" phonerisk ",
" emailrisk ",
" nameemailcorrelation ",
"kyc, "
"nameaddresscorrelation",
"manual_review_required"

The change also includes new values for the exception-details attribute.

Possible values:

CodeDescription
R001"IP count is greater than 12 within the last week"
R002"IP count is greater than 16 within the last week"
R003"IP address geolocation places user more than 7000 miles from address"
R004"IP count is greater than 20 within the last week"
R005"IP count is greater than 4 within the last month"
R006"IP address geolocation places user more than 200 miles from address"
R007"IP count is greater than 40 within the last 3 months"
R008"IP time zone is offset from GMT by more than -400 minutes"
R009"IP count is greater than 1 within the last hour"
R106"Identity element in Alert List"
R110"Alert List email address match"
R111"Alert List SSN/ITIN match"
R113"Alert List phone number match"
R186"Global Watchlist sources selected are correlated with the input identifiers"
R187"Address resolves to a High-Intensity Drug Trafficking Area"
R188"Address resolves to a High-Intensity Financial Crime Area"
R350"DOB indicates individual is less than 16 or more than 100 years old"
R351"DOB indicates COPPA review"
R352"DOB indicates an age between 13 and 15"
R353"DOB indicates an age between 16 and 17"
R354"DOB indicates age is correlated with higher fraud rates"
R355"DOB indicates an improbable age"
R401"Device token was not previously encountered"
R402"Invalid device token"
R403"Device is a virtual device"
R405"The Device Risk module was called, but a device token was not provided"
R520"Emailrisk score represents high risk"
R551"Email address is invalid"
R557"Email address is disposable"
R558"Email address is auto-generated"
R559"Email address cannot be resolved to the individual"
R561"Email address is less than 180 days old"
R562"Email address domain is less than 180 days old"
R563"Email address domain is invalid"
R564"Email address username is invalid"
R565"Email address domain represents high risk"
R566"Email address has not been seen before"
R567"Email address top-level domain represents high risk"
R601"Phone number associated address is not correlated with the input address"
R602"Phone number associated address is not correlated with the input country"
R603"Phone number is invalid"
R604"Phone number has not been actively used within the past 90 days"
R605"Phone number has not been actively used for more than 90 days"
R606"Phone number is not actively used"
R607"Phone number associated address is partially correlated with the input address"
R608"Phone number cannot be resolved to the individual"
R610"IP address geolocation places user more than 100 miles from address"
R611"Phone number is not allowed for consumers"
R613"Phone number is fixed or traditional VoIP"
R614"Phone number is toll-free"
R615"Phone number is non-fixed or over-the-top VoIP"
R616"Phone number is prepaid"
R617"Phone number is not associated with a major US carrier"
R618"Phone number has been in service between 90 and 365 days"
R619"IP address is a known proxy"
R620"Phonerisk score represents high risk"
R621"Phone number has been in service less than 7 days"
R622"Phone number has been in service between 7 and 30 days"
R623"Phone number has been in service between 30 and 90 days"
R624"Phone number has been changed more than once in the past 90 days"
R625"Phone number has ported within the past 24 hours"
R626"Phone number has been ported within the past 2 to 7 days"
R627"Phone number has been ported within the past 7 to 30 days"
R628"Phone number has been ported within the past 30 to 60 days"
R629"Phone number has been ported more than once in past 90 days"
R630"Phone subscriber has been correlated with the input phone number for less than 7 days"
R631"Phone subscriber has been correlated with the input phone number for between 7 and 30 days"
R632"Phone subscriber has been correlated with the input phone number for between 30 and 90 days"
R633"Phone subscriber has been correlated with the input phone number for between 90 and 365 days"
R635"The device has changed once within the past 7 days and at least once more within the past 90 days"
R636"Mobile device tenure is less than 90 days"
R637"Mobile SIM tenure is less than 90 days"
R639"IP address originates from outside of the US or US territories"
R640"IP address originates from an OFAC sanctioned country"
R641"Proxy is from services that change location to beat DRM,TOR points, temporary proxies and other masking services"
R642"IP address is associated with a cloud hosting provider and is likely a proxy. Users are not usually located in a hosting facility"
R643"IP address is associated with a location allowing public internet access"
R644"IP proxy is cloud-based"
R645"IP proxy is TOR-based"
R646"IP proxy is VPN-based"
R647"IP proxy is cloud-security-based"
R701"Address is inactive, not receiving mail, or vacant"
R702"Address is not confirmed as deliverable"
R703"Address is invalid or does not exist"
R704"Address is a correctional facility"
R705"Address cannot be resolved to the individual"
R707"Address is a commercial mail receiving agency or commercial mail drop"
R708"Address is a PO Box"
R709"Address is commercial or dual-purpose"
R710"Address is a military location"
R711"Address is a unique ZIP code, or corporate only, routing all mail internally by the assigned organization rather than by the USPS"
R712"Address ZIP code is invalid"
R713"Address mismatch between city, state, and ZIP code"
R714"Address is fuzzy matched to the address on record"
R720"Addressrisk score represents high risk"
R804"Document image doesn't meet the minimum color requirements"
R810"Document pattern and layout integrity check failed"
R819"Image captured from a screen, or is a paper copy of an ID"
R820"Document headshot has been modified"
R822"First name extracted from document does not match input first name"
R823"Last name extracted from document does not match input last name"
R824"Address extracted from document does not match input address"
R825"DOB extracted from document does not match input DOB"
R826"Document Number extracted from document does not match input number"
R827"Document is expired"
R831"Cannot extract the minimum information from barcode"
R832"Document Number extracted from document does not match with barcode or MRZ"
R833"Cannot extract the minimum required information from MRZ"
R834"Selfie fails the liveness check"
R835"More than one face detected in the selfie"
R836"Document image does not correlate with self-portrait"
R838"Minimum amount of information cannot be extracted from document"
R839"Name extracted from document does not match with barcode or MRZ"
R840"Address extracted from document does not match with barcode or MRZ"
R841"DOB on document does not match DOB on barcode or MRZ"
R842"Expiration date on document does not match date on barcode or MRZ"
R843"Issue date on document does not match date on barcode or MRZ"
R844"Dates on document are not valid"
R845"Minimum age criteria not met"
R850"Self-portrait or the headshot is not usable for Facial Match"
R851"Document number is an example number, or is not valid"
R852"Submitted document is a temporary ID"
R853"Unable to classify the ID or this is an unsupported ID type"
R855"First name did not match with any known Nick name or Alias"
R856"Obstructions on the face affecting the liveness"
R857"No face found in the selfie frame"
R858"The age on the document doesn't correlate with the selfie predicted age"
R901"SSN/ITIN cannot be resolved to the individual"
R902"Name cannot be resolved to the individual"
R903"DOB cannot be resolved to the individual"
R907"SSN has been reported as deceased"
R909"Identity has been reported as deceased"
R911"SSN issued prior to DOB"
R913"SSN/ITIN is invalid"
R916"Address is invalid or does not exist"
R919"Address cannot be resolved to the individual"
R920"SSN/ITIN cannot be resolved to the individual"
R922"DOB cannot be resolved to the individual"
R923"SSN/ITIN was fuzzy matched to the SSN/ITIN on record"
R924"Address was fuzzy matched to the address on record"
R927"Name does not correlate with the name for the resolved individual"
R928"SSN/ITIN is associated with multiple last names"
R930"First name does not correlate with the first name for the resolved individual"
R932"Address is a correctional facility"
R933"Last name is not correlated with the SSN/ITIN on record"
R934"First name is not correlated with the SSN/ITIN on record"
R939"SSN/ITIN is correlated with the first name but not the last name"
R940"SSN/ITIN not found in public records"
R941"SSN/ITIN is correlated with at least 1 other name and address"
R943"First name was fuzzy matched to the name on record"
R944"Last name was fuzzy matched to the name on record"
R946"DOB was fuzzy matched to the DOB on record"
R947"SSN/ITIN is not the primary SSN/ITIN for the resolved identity"
R948"Address mismatch between city, state, and ZIP code"
R953"SSN was randomly-issued by the SSA and cannot be resolved to the individual"
R954"SSN/ITIN entered is an ITIN"
R955"SSN/ITIN is correlated to multiple identities"
R956"Identity is correlated to multiple SSN/ITINs"
R957"DOB is not on record and cannot be verified"
R961"Address ZIP code is invalid"
R963"Address ZIP code only serves PO Boxes"
R964"Address is a commercial or institutional address"
R972"Address is a commercial mail receiving agency or commercial mail drop"
R973"Address is a unique ZIP code, or corporate only, routing all mail internally by the assigned organization rather than by the USPS"
R975"MLA covered borrower status"
R976"Identity is associated with an active duty alert"
R977"Identity is associated with an active duty alert and a fraud victim initial alert"
R978"Identity is associated with a fraud victim initial alert"
R979"Identity is associated with an active duty alert and a fraud victim extended alert"
R980"Identity is associated with a fraud victim extended alert"
R998"SSA could not confirm the Name, SSN, and DOB are correlated"
R999"SSA confirmed the identity is reported as deceased"
V836"Self-portrait was not considered in decision"

New payload example

"data": [
{
"type": "cip-checks",
"id": "5373725f-b62c-475a-9f92-d615cd8ce110",
"attributes": {
"created-at": "2021-08-10T22:36:31Z",
"exceptions": [
"kyc",
"synthetic",
"manual_review_required"
],
"exception-details": "R567: "Email address top-level domain represents high risk",
,R922: "DOB cannot be resolved to the individual",,R940: "SSN/ITIN not found in public records",",
"status": "pending",
"updated-at": "2021-08-10T22:36:31Z",
"submit-for-review": false
},

Sandbox testing

Sandbox will generate a random CIP / AML response and there are some values that will trigger specific responses. For example:

  • KYC exception: use tax_id 555551111; it will also generate exception details: Unable to verify SSN (R920), together with other exception and exception details

  • AML exception : Use name: Jane Doe to trigger watchlist pending response

  • Fraud: use phone number 1-202-555-1111 to trigger fraud exception

Using the above values will trigger a specific module. Be advised using the values may also trigger modules in addition to the one listed above.

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