Second Post Response

The Step 2 response uses the same envelope as Step 1, with two key differences: the decision is the final authoritative verdict, and kba.questionnaire is always null.

📘

Final decision

Consume the top-level decision field as your authoritative KBA result. The details array on the Step 2 response reflects the identity signals carried forward from Step 1 (it does not re-run identity resolution); scoring of the answers is embedded in the decision value itself.

Decision values

Value	Meaning
Approve	User passed KBA. Proceed.
Challenge	Rare on Step 2. Indicates additional verification is required.
Review	Partial pass or edge case. Route to manual review per your policy.
Deny	User failed KBA. Block or escalate.

Top-level response

Field	Type	Description
transactionId	string (UUID)	Unique identifier for this Step 2 request.
correlationId	string (UUID)	Same value as Step 1 — links the two calls.
referenceTransactionId	string (UUID)	References the Step 1 transaction.
decision	string	Final verdict. See the decision-value table above.
timestamp	string	May be "1/1/0001 12:00:00 AM" (default) for Step 2 responses — use requestTime instead.
details	array	Identity signals carried forward from Step 1. See Step 1 Response for the full key reference.
kba	object	Contains authenticationId; questionnaire is always null.
originalTransactionId	string (UUID)	Original transaction ID for this session.
totalRequestExecutionTimeMs	integer	Server-side execution time in ms.
requestId	string (UUID)	Unique identifier for this API request.
requestType	string	Echo: "KBA".
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)	Same value as Step 1.
questionnaire	null	Always null on Step 2 responses.

Example response

JSON

{
    "transactionId": "338b446a-08ac-4539-8b69-d424646b5ad9",
    "correlationId": "c071124d-2826-428e-a7eb-7b6bd1652a64",
    "referenceTransactionId": "e3bf97a1-9377-4704-a5f9-4d60d9a37566",
    "decision": "Review",
    "timestamp": "1/1/0001 12:00:00 AM",
    "details": [
        {
            "key": "identityVerificationDecision",
            "value": "Approve"
        },
        {
            "key": "phoneInsights",
            "value": "Y"
        },
        {
            "key": "phoneInsightsReason",
            "value": "NoInsightsReturned"
        },
        {
            "key": "phoneVerification",
            "value": "N"
        },
        {
            "key": "phoneVerificationReason",
            "value": "Unverifiable"
        },
        {
            "key": "phoneAffiliation",
            "value": "N"
        },
        {
            "key": "phoneAffiliationReason",
            "value": "AffiliationNotConfirmed"
        },
        {
            "key": "phoneTrust",
            "value": "N"
        },
        {
            "key": "emailInsights",
            "value": "Y"
        },
        {
            "key": "emailInsightsReason",
            "value": "NoInsightsReturned"
        },
        {
            "key": "emailVerification",
            "value": "N"
        },
        {
            "key": "emailVerificationReason",
            "value": "emailUnknown"
        },
        {
            "key": "emailAffiliation",
            "value": "N"
        },
        {
            "key": "emailAffiliationReason",
            "value": "AffiliationNotConfirmed"
        },
        {
            "key": "emailTrust",
            "value": "N"
        },
        {
            "key": "addressInsights",
            "value": "Y"
        },
        {
            "key": "addressInsightsReason",
            "value": "NoInsightsReturned"
        },
        {
            "key": "addressVerification",
            "value": "Y"
        },
        {
            "key": "addressVerificationReason",
            "value": "addressValid"
        },
        {
            "key": "addressAffiliation",
            "value": "Y"
        },
        {
            "key": "addressAffiliationReason",
            "value": "addressNameFullMatch"
        },
        {
            "key": "addressTrust",
            "value": "Y"
        },
        {
            "key": "identityVerification",
            "value": "Y"
        },
        {
            "key": "identityVerificationReason",
            "value": "identityMatchAndAffiliation,identityMultipleMatch"
        },
        {
            "key": "identityResolution",
            "value": "Y"
        },
        {
            "key": "identityResolutionReason",
            "value": "identityStrongCorroboration"
        },
        {
            "key": "identityRisk",
            "value": "N"
        },
        {
            "key": "identityRiskReason",
            "value": "identityRiskLow"
        },
        {
            "key": "identityTrust",
            "value": "Y"
        },
        {
            "key": "SSNInsights",
            "value": "Y"
        },
        {
            "key": "SSNInsightsReason",
            "value": "Multi-Identity SSN Affiliation"
        },
        {
            "key": "SSNVerification",
            "value": "Y"
        },
        {
            "key": "SSNVerificationReason",
            "value": "SSN Found"
        },
        {
            "key": "SSNAffiliation",
            "value": "Y"
        },
        {
            "key": "SSNAffiliationReason",
            "value": "Strong SSN Affiliation"
        },
        {
            "key": "SSNTrust",
            "value": "Y"
        },
        {
            "key": "dobInsights",
            "value": "Y"
        },
        {
            "key": "dobInsightsReason",
            "value": "DOB > 20"
        },
        {
            "key": "dobVerification",
            "value": "Y"
        },
        {
            "key": "dobVerificationReason",
            "value": "DOB Verified"
        },
        {
            "key": "dobAffiliation",
            "value": "Y"
        },
        {
            "key": "dobAffiliationReason",
            "value": "DOB Affiliated"
        },
        {
            "key": "dobTrust",
            "value": "Y"
        },
        {
            "key": "deviceReputation",
            "value": "N"
        },
        {
            "key": "deviceReputationReason",
            "value": "NoInsightsReturned"
        },
        {
            "key": "deviceAssociation",
            "value": "N"
        },
        {
            "key": "deviceAssociationReason",
            "value": "AffiliationNotConfirmed"
        },
        {
            "key": "deviceTrust",
            "value": "N"
        }
    ],
    "kba": {
        "authenticationId": "63226d79-66f3-44e0-97e2-a2eea4851b87",
        "questionnaire": null
    },
    "originalTransactionId": "338b446a-08ac-4539-8b69-d424646b5ad9",
    "databaseQueryInfo": [],
    "searchCriteria": [],
    "totalRequestExecutionTimeMs": 1197,
    "requestId": "8d34e79b-3a97-4422-96e9-2371fa3b7d3c",
    "requestType": "KBA",
    "requestTime": "2026-04-23T09:57:17.8728727-07:00",
    "isError": false,
    "error": {
        "inputErrors": [],
        "warnings": []
    }
}