First Post Response

The Step 1 response contains the identity resolution verdict, a flat array of trust signals (details), and when the decision is Challenge, a populated kba.questionnaire object.

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Details array structure

The details array is a flat list of key/value pairs. Most dimensions (phone, email, address, SSN, DOB) expose four signals — Insights, Verification, Affiliation, and Trust — plus a matching *Reason key for each (except Trust). All values are Y or N. See the "Details keys" table below for the full reference.

Top-level response

Field	Type	Description
transactionId	string (UUID)	Unique identifier for this request.
correlationId	string (UUID)	Must be echoed back in Step 2. Links the two calls into a single authentication session.
referenceTransactionId	string (UUID)	Internal reference transaction.
decision	string	One of Approve, Challenge, Review, Deny. Challenge means questionnaire was generated.
timestamp	string	Server timestamp when decision was rendered.
details	array	Trust signals across all identity dimensions. See "Details keys" below.
kba	object	Questionnaire container. See "KBA object" below.
originalTransactionId	string (UUID)	Original transaction ID for this session.
databaseQueryInfo	array	Diagnostic info. Empty for standard requests.
searchCriteria	array	Echo of resolved search criteria. Empty for standard requests.
totalRequestExecutionTimeMs	integer	Server-side execution time in milliseconds.
requestId	string (UUID)	Unique identifier for this API request.
requestType	string	Echo: "KBA IDV".
requestTime	string (ISO 8601)	Server timestamp with timezone offset.
isError	boolean	True if a fatal error occurred.
error	object	Error container. inputErrors and warnings are empty on success.

KBA object

Field	Type	Description
authenticationId	string (UUID)	Must be echoed back in Step 2. Identifies the questionnaire session.
questionnaire	object | null	Questionnaire payload when decision is Challenge; null otherwise.

questionnaire

Field	Type	Description
questionnaireId	integer	Identifier for this questionnaire version. Pass back on Step 2.
questionGroups	array	Grouping metadata: which question IDs belong to which logical group (e.g., ADDRESS).
questions	array	Questions to present to the user. Typically 3 questions.

Question

Field	Type	Description
questionId	integer	Identifier for this question. Echo on Step 2 as QuestionId.
questionText	string	The prompt to display to the user.
choiceType.type	string	Always SINGLE_CHOICE in the current version.
choices	array	Multiple-choice options. Always includes a "NONE OF THE ABOVE" option.

Choice

Field	Type	Description
choiceId	integer	Identifier to submit as the Answer value on Step 2.
choiceText	string	Display text for this option.

Details keys

Each dimension exposes up to four signal keys plus a reason key for each. All signal values are Y or N.

Dimension	Signal keys	Reason keys
Top-level	identityVerificationDecision	—
Phone	phoneInsights, phoneVerification, phoneAffiliation, phoneTrust	phoneInsightsReason, phoneVerificationReason, phoneAffiliationReason
Email	emailInsights, emailVerification, emailAffiliation, emailTrust	emailInsightsReason, emailVerificationReason, emailAffiliationReason
Address	addressInsights, addressVerification, addressAffiliation, addressTrust	addressInsightsReason, addressVerificationReason, addressAffiliationReason
Identity	identityVerification, identityResolution, identityRisk, identityTrust	identityVerificationReason, identityResolutionReason, identityRiskReason
SSN	SSNInsights, SSNVerification, SSNAffiliation, SSNTrust	SSNInsightsReason, SSNVerificationReason, SSNAffiliationReason
DOB	dobInsights, dobVerification, dobAffiliation, dobTrust	dobInsightsReason, dobVerificationReason, dobAffiliationReason
Device	deviceReputation, deviceAssociation, deviceTrust	deviceReputationReason, deviceAssociationReason

Common reason values

Reason	Meaning
NoInsightsReturned	No insights available for this dimension.
Unverifiable	Signal could not be verified against source data.
AffiliationNotConfirmed	Subject-to-attribute link not confirmed.
addressValid	Address exists and is deliverable.
addressNameFullMatch	Full name matches the resident of the supplied address.
identityMatchAndAffiliation	Identity resolved and affiliations confirmed.
identityMultipleMatch	Multiple candidate identities matched.
identityStrongCorroboration	Multiple independent signals corroborate identity.
identityRiskLow	Risk indicators below threshold.
Multi-Identity SSN Affiliation	SSN is affiliated with more than one identity.
SSN Found	SSN confirmed in source data.
Strong SSN Affiliation	High-confidence link between subject and SSN.
DOB > 20	DOB has been associated with subject for more than 20 years.
DOB Verified	DOB confirmed in source data.
DOB Affiliated	DOB linked to subject identity.
emailUnknown	Email address not found in source data.

Example response (decision = Challenge)

JSON

{
  "transactionId": "1b8753db-6c2c-4223-afa2-0f0f0da81730",
  "correlationId": "5f8d7f10-4975-4557-92b2-b956257a16b9",
  "referenceTransactionId": "820aa35d-0d0a-47c2-aa06-5515bcc3f685",
  "decision": "Challenge",
  "timestamp": "4/23/2026 9:34:18 AM",
  "details": [
    { "key": "identityVerificationDecision", "value": "Approve" },
    { "key": "addressVerification", "value": "Y" },
    { "key": "addressVerificationReason", "value": "addressValid" },
    { "key": "identityTrust", "value": "Y" }
  ],
  "kba": {
    "authenticationId": "2352ace6-9732-4168-b417-a12d4d0d1a1f",
    "questionnaire": {
      "questionnaireId": 1,
      "questionGroups": [
        { "questionGroup": "ADDRESS", "appliesToQuestionId": [1, 2, 3] }
      ],
      "questions": [
        {
          "questionId": 1,
          "questionText": "On which of the following streets have you lived?",
          "choiceType": { "type": "SINGLE_CHOICE" },
          "choices": [
            { "choiceId": 1, "choiceText": "C ST" },
            { "choiceId": 2, "choiceText": "CAMP DR" },
            { "choiceId": 3, "choiceText": "CERES RD" },
            { "choiceId": 4, "choiceText": "CHELSEA" },
            { "choiceId": 5, "choiceText": "NONE OF THE ABOVE" }
          ]
        }
      ]
    }
  },
  "requestType": "KBA IDV",
  "requestTime": "2026-04-23T09:34:19.1920730-07:00",
  "isError": false,
  "error": { "inputErrors": [], "warnings": [] }
}