Data

Identifiers

An identifier is a phone number or email address the user uses to verify for 1-Click Signup.

Name	Key	Type	Format	Description	Example
Phone	phone	string	E.164	Phone number a user uses to verify to 1-Click Signup	"+10123456789"
Email	email	string	email	Email address a user uses to verify to 1-Click Signup	"richard@piedpiper.net"

Credentials

A credential is a piece of identity data about a user.

Credential Formats

We support multiple formats for some credential types (see below). If you'd like to use formats different than the defaults, please reach out to us at Support@Verified.inc and we'll enable them for you.

KYC (Know Your Customer)

Name	Key	Type	Format(s)	Description	Example
Phone	phone	string	E.164	Phone number	"+10123456789"
Email	email	string	email	Email address	"richard@piedpiper.net"
Full Name	fullName	Default: Object string	Default: Object with keys for all child credentials listed below Any combination of child shortenedCredentialTypes under fullName, , (comma), and - (dash)	Full name	See 1ClickEntity example "Hendricks, Richard"
↳ First Name	fullName.firstName	string	Title Case	First name	"Richard"
↳ Middle Name	fullName.middleName	string	Title Case	Middle name	"Baudelaire"
↳ Last Name	fullName.lastName	string	Title Case	Last name	"Henricks"
Address	address	Default: Object string	Default: Object with keys for all child credentials listed below Any combination of child shortenedCredentialTypes under address, , (comma), and - (dash)	Address	See 1ClickEntity example "Palo Alto, US-CA"
↳ Line 1	address.line1	string	Title Case	Line 1 of address	"5320 Newell Rd"
↳ Line 2	address.line2	string	Title Case	Line 2 of address	""
↳ City	address.city	string	Title Case	City of address	"Palo Alto"
↳ State	address.state	string	Default: 2 letter abbreviation (last 2 characters of ISO 3166-2 code for US state/territory) Full state/territory name (ISO 3166-2 subdivision name)	State of address	"CA" "California"
↳ ZIP Code	address.zipCode	string	ZIP Code (5 digits, 0-9) or ZIP+4 (9 digits, 0-9, with a hypen after the first 5)	ZIP code of address	"94303" or "94303-3058"
↳ Country	address.country	string	Default: 2 letter abbreviation (ISO 3166-1 alpha-2 code, currently always "US") Full country name (ISO 3166-1 English short name, currently always "United States of America")	Country of address	"US"
Birth Date	birthDate	string	Default: Unix time (milliseconds) Any combination of y(year), M(month), d(day), /(slash), and -(dash)	Birth date	"617947200000" "08/01/1989"
SSN	ssn	string	9 digits (0-9)	Social Security Number	"123-45-6789"

Financials

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Name	Key	Type	Format(s)	Description	Example
Bank Account	bankAccount	Object	Object with keys for all child credentials listed below	Bank account information	"+10123456789"
↳ Account Type	bankAccount.accountType	enum Possible values: "savings" "checking"	snake_case	Bank account type	"savings"
↳ Account Number	bankAccount.accountNumber	string	Any number of (usually 10-12) digits (0-9)	Bank account number	"012345678901"
↳ Routing Number	bankAccount.routingNumber	string	9 digits (0-9)	Bank routing number	"123456789"
Credit Card	creditCard	Object	Object with keys for all child credentials listed below	Credit card information	-
↳ Network	creditCard.network	string	Title Case	Network of credit card	"VISA"
↳ Issuing Bank	creditCard.issuingBank	string	Title Case	Issuing bank of credit card	"Bank of America"
↳ Cardholder Name	creditCard.cardholderName	string	Title Case	Cardholder name of credit card	"Richard Hendricks"
↳ PAN	creditCard.pan	string	16 digits (0-9)	Primary Account Number of credit card	"1234123412341234"
↳ Expiration Date	creditCard.expirationDate	string	4 digits (0-9)	Expiration date of credit card	"0828"
↳ CVC	creditCard.cvc	string	16 digits (0-9)	Card Verification Code	"123"
↳ Billing Address	creditCard.billingAddress	Default: Object string	Default: Object with keys for all child credentials listed below Any combination of child shortenedCredentialTypes under address, , (comma), and - (dash)	Address	See 1ClickEntity example "Palo Alto, US-CA"
↳ ↳ Line 1	creditCard.billingAddress.line1	string	Title Case	Line 1 of address	"5320 Newell Rd"
↳ ↳ Line 2	creditCard.billingAddress.line2	string	Title Case	Line 2 of address	""
↳ ↳ City	creditCard.billingAddress.city	string	Title Case	City of address	"Palo Alto"
↳ ↳ State	creditCard.billingAddress.state	string	Default: 2 letter abbreviation (last 2 characters of ISO 3166-2 code for US state/territory) Full state/territory name (ISO 3166-2 subdivision name)	State of address	"CA" "California"
↳ ↳ ZIP Code	creditCard.billingAddress.zipCode	string	ZIP Code (5 digits, 0-9) or ZIP+4 (9 digits, 0-9, with a hypen after the first 5)	ZIP code of address	"94303" or "94303-3058"
↳ ↳ Country	creditCard.billingAddress.country	string	Default: 2 letter abbreviation (ISO 3166-1 alpha-2 code, currently always "US") Full country name (ISO 3166-1 English short name, currently always "United States of America")	Country of address	"US"

Employment

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Name	Key	Type	Format(s)	Description	Example
Employer	employer	Object	Object with keys for all child credentials listed below	Employer information	-
↳ Employer Name	employer.employerName	string	Title Case	Employer name	"Pied Piper"
↳ Employment Start Date	employer.employmentStartDate	string	Default: Unix time (milliseconds) Any combination of y(year), M(month), d(day), /(slash), and -(dash)	Employment start date	"1396310400000" "04/01/2014"
↳ Title	employer.title	string	Title Case	Title of employment	"CEO"

Vehicles

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Name	Key	Type	Format(s)	Description	Example
Vehicle	vehicle	Object	Object with keys for all child credentials listed below	Vehicle information	-
↳ VIN	vehicle.vin	string	FMVSS 115, Part 565 (US standard to calculate VIN)	Vehicle Identification Number	"4Y1SL65848Z411439"
↳ Make	vehicle.make	string	Title Case	Vehicle make	"Toyota"
↳ Model	vehicle.model	string	Title Case	Vehicle model	"RAV4"
↳ Year	vehicle.year	string	Default: Unix time (milliseconds) Any combination of y(year), M(month), d(day), /(slash), and -(dash)	Year of vehicle manufacture	"617947200000" "08/01/1989"
↳ Owner(s)	vehicle.owners	string[]	Title Case	Names of vehicle owner(s)	["Richard Hendricks", "Erlich Bachman"]
↳ MSRP	vehicle.msrp	string	Title Case	Manufacturer's suggested retail price	"Richard"
↳ ↳ Currency	vehicle.msrp.currency	enum Possible values: "USD"	ISO 4217 currency code	Currency of manufacturer's suggested retail price	"USD"
↳ ↳ Amount	vehicle.msrp.amount	string	Any number of digits (0-9)	Amount of manufacturer's suggested retail price	"10000"

Properties

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Name	Key	Type	Format(s)	Description	Example
Property	property	Object	Object with keys for all child credentials listed below	Property information	-
↳ Address	property.address	Default: Object string	Default: Object with keys for all child credentials listed below Any combination of child shortenedCredentialTypes under address, , (comma), and - (dash)	Address	See 1ClickEntity example "Palo Alto, US-CA"
↳ ↳ Line 1	property.address.line1	string	Title Case	Line 1 of address	"5320 Newell Rd"
↳ ↳ Line 2	property.address.line2	string	Title Case	Line 2 of address	""
↳ ↳ City	property.address.city	string	Title Case	City of address	"Palo Alto"
↳ ↳ State	property.address.state	string	Default: 2 letter abbreviation (last 2 characters of ISO 3166-2 code for US state/territory) Full state/territory name (ISO 3166-2 subdivision name)	State of address	"CA" "California"
↳ ↳ ZIP Code	property.address.zipCode	string	ZIP Code (5 digits, 0-9) or ZIP+4 (9 digits, 0-9, with a hypen after the first 5)	ZIP code of address	"94303" or "94303-3058"
↳ ↳ Country	property.address.country	string	Default: 2 letter abbreviation (ISO 3166-1 alpha-2 code, currently always "US") Full country name (ISO 3166-1 English short name, currently always "United States of America")	Country of address	"US"
↳ Owner(s)	property.owners	string[]	Title Case	Names of property owner(s)	["Erlich Bachman"]
↳ Details	property.details	string	Sentence case	Any additional property details	"Single family home, 4BR/3BA"

Government IDs

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Name	Key	Type	Format(s)	Description	Example
Government ID	governmentId	Object	Object with keys for all child credentials listed below	Government ID	-
↳ Document Type	governmentId.documentType	enum Possible values: "drivers_license" "passport" "resident_card"	snake_case	Type of government ID	-
↳ Document Number	governmentId.documentNumber	string	Any number of digits (0-9)	Number of government ID	"9876543210"
↳ Document Front Image	governmentId.documentFrontImage	string	URL	Link to image of front of government ID	"+10123456789"
↳ Document Back Image	governmentId.documentBackImage	string	URL	Link to image of back of government ID	"+10123456789"

Demographics

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Name	Key	Type	Format(s)	Description	Example
Age	age	string	1-3 digits (0-9)	Age	"35"
Sex	sex	string	enum Possible values: "male" "female" "intersex" "other"	Sex	"female"
Gender	gender	string	snake_case	Gender	"woman"
Race	race	enum[] Possible values: "white" "black_or_african_american" "american_indian_or_alaska_native" "asian" "native_hawaiian_or_other_pacific_islander"	snake_case	Race	["black_or_african_american", "asian"]
Ethnicity	ethnicity	enum Possible values: "hispanic_or_latino" "not_hispanic_or_latino"	snake_case	Ethnicity	"hispanic_or_latino"
Nationality	nationality	string	Title Case	Nationality	"United States"

Metadata

A piece of metadata is additional data that's not a user's identity data (their identifiers or credentials) — though it's often about that identity data.

Name	Key	Type	Applies To	Format	Description	Example
ID	id	string	Credentials	Version 4 UUID	Unique identifier for a credential	"174b9aaf-3219-4499-b54c-0eb6acc5dbf2"
Verification Method	verificationMethod	enum Possible values: "phone_carrier" "credit_bureau" "otp" "self_attested" null	Identifiers Credentials	snake_case	How an identifier or credential was verified	"phone_carrier"
Status	status	enum Possible values: "valid" "revoked" "otp" "self_attested" null	Credentials	snake_case	The status of a credential	"valid"
Expiration Date	expirationDate	string	Credentials	Unix time (milliseconds) or null	The date a credential expires	"1671847264479"
Fraud Signals Contact Us	fraudSignals	string	Identifiers	Unix time (milliseconds) or null	The date a credential expires	"1671847264479"

tip

The most commonly used type of metadata is verificationMethod, which describes how a credential was verified:

• "phone_carrier": verified via phone carrier records
• "credit_bureau": verified via credit bureau records
• "otp": verified via an OTP (one time passcode)
• "self_attested": attested by the user themselves (not verified)
• null

You can build custom logic to handle credentials based on their verificationMethod, for example requiring additional verification if an important credential is "self_attested".

Fraud Signals

Name	Key	Type	Applies To	Description
Reason Codes	reasonCodes	string[]	Phone identifiers	Indicators providing additional context about the transaction: see Reason Codes
Status Index	statusIndex	string	Phone identifiers	Bitmapped value that represents networkStatus, accountType, accountRole, and customerType Default: "11"
Baselined?	isBaselined	boolean	Phone identifiers	Indicator to communicate whether we have ever transacted with the input phone number before the current transaction Default: true
Phone Risk?	phoneRisk	boolean	Phone identifiers	Whether phone number was found on a website that allows shared and anonymous access to temporary phone numbers Default: true
Trust Score	trustScore	integer	Phone identifiers	Integer value, ranging from 0 to 1000, denoting the real-time trustworthiness of a phone number (1000 indicates perfect trust, while 0 indicates a complete lack of trust) Default: 892
Carrier Status	carrierStatus	enum Possible values: "Unknown" "Active" "Suspended" "Disconnected"	Phone identifiers	Current phone number network status associated with the carriers Default: "Unknown"
Phone Number Velocity	phoneNumberVelocity	integer	Phone identifiers	Number of times the subscriber has changed their phone number
Port Velocity	portVelocity	integer	Phone identifiers	Number of times the subscriber has changed their carrier within the last 90 days Default: 1
SIM Velocity	simVelocity	integer	Phone identifiers	Number of times the mobile subscriber has changed their SIM within the last 90 days
Device Velocity	deviceVelocity	integer	Phone identifiers	Number of times the mobile subscriber has changed their device within the last 90 days
Payfone Tenure	payfoneTenure	Object	Phone identifiers	Amount of time we've been able to track the subscriber (defined with minimumDate and maximumDate) Default minimumDate: 2021-11-21T23:59:59.000Z
Carrier Tenure	carrierTenure	Object	Phone identifiers	Amount of time we’ve been able to track the carrier associated with the subscriber (defined with minimumDate and maximumDate) Default minimumDate: 2021-11-21T23:59:59.000Z Default maximumDate: 2022-10-22T00:00:00.000Z
Phone Number Tenure	phoneNumberTenure	Object	Phone identifiers	Amount of time we’ve been able to track the phone number associated with the subscriber (defined with minimumDate and maximumDate) Default minimumDate: 2021-11-21T23:59:59.000Z
SIM Tenure	simTenure	Object	Phone identifiers	Amount of time we’ve been able to track the SIM association with the subscriber (defined with minimumDate and maximumDate) Default minimumDate: 2021-11-21T23:59:59.000Z Default maximumDate: 2022-10-22T00:00:00.000Z
Device Tenure	deviceTenure	Object	Phone identifiers	Amount of time we’ve been able to track the device association with the subscriber (defined with minimumDate and maximumDate) Default minimumDate: 2021-11-21T23:59:59.000Z Default maximumDate: 2022-10-22T00:00:00.000Z
Ported Date	portedDate	Object	Phone identifiers	Date associated with a port of the phone number (defined with minimumDate and maximumDate) Default minimumDate: 2021-11-21T23:59:59.000Z Default maximumDate: 2022-10-22T00:00:00.000Z

Reason Codes

Code	Reason	Description
BL	Business Line	Phone number is associated with a business line
CF	Correctional Facility	Address matches the address of a US correctional facility
CU	Carrier Unsuccessful	Carrier call was unsuccessful
D1	Web-Scraped Number	Phone number was found to be a web-scraped number showing as "active"
D2	Recently Deactivated	Phone number was recently deactivated
DR	Possible More Recent Device	Device date returned was not obtained in real-time; there could be a more recent device change
DS	T-Mobile Marked as "Do Not Sell"	(T-Mobile customers only) Mobile number has been identified as "Do Not Sell" by the carrier, and live data was not used for the Trust Score
DV	Device Change Velocity	High device change velocity associated with the phone
FF	Call Forwarding Off	Call forwarding was not enabled on the consumer’s phone Note: This reason code is not enabled by default: email us at Support@Verified.inc to enable it
FO	Call Forwarding On	Call forwarding was enabled on the consumer’s phone Note: This reason code is not enabled by default: email us at Support@Verified.inc to enable it
HV	High Velocity Changes	High velocity of change events associated with the phone
LP	Recent IED, IMSI or MSISDN Change	IED, IMEI, or MSISDN change more recently than 90 days ago
LS	Recent IED or IMSI Change	IED or IMEI change more recently than 90 days ago
LT	Recent IED Change	IED change more recently than 90 days ago
MM	Mismatch of Input Name	Returned identity has a different name than the input name
ND	Network Status Unknown	Network status information was not available
NM	Not Mobile	Line type was not mobile
NP	Not Personal	Line was classified as non-personal
OD	Ownership Before Disconnected	Ownership of the phone number was found before a disconnect date
OL	Long Ownership	Long ownership tenure (greater than 90 days) Note: Ownership tenure is how long the identity has been associated with a phone number, based on when the ownership was first seen (see also reason codes OS, OV, and OU)
OO	Older Ownership	Connection of the ownership or association to this phone number was greater than 5 years, but no known newer ownership or association was found, so the ownership is “older” (see also reason code NO)
OU	Unknown Ownership	Ownership tenure was unknown, meaning the date attributes associated with the phone number were unavailable Note: Ownership tenure is how long the identity has been associated with a phone number, based on when the ownership was first seen (see also reason codes OL, OS, and OV)
OV	Very Short Ownership	Very short ownership tenure (less than 7 days) Note: Ownership tenure is how long the identity has been associated with a phone number, based on when the ownership was first seen (see also reason codes OL, OS, and OU)
PN	Not Active	Phone number was not active
PT	Ported Number	Phone number was in a ported state Note: Any number not on its original home carrier will have a PT reason code (this is NOT indicative of a recent carrier port)
RL	High-Risk Line Type	Phone number was associated with a high-risk line type (Non-Fixed VoIP or Prepaid)
RN	Low-Risk: Mobile on OSR	Phone number was at a lower risk for fraud due to being listed as a mobile line on the Override Services Registry (OSR)
RR	High-Risk: Non-Mobile on OSR	Phone number was at a higher risk for fraud due to being listed as a non-mobile line on the Override Services Registry (OSR)
S1	Synthetic 1 – Multiple SSNs	Identity matched has multiple unique SSNs (can indicate a higher risk of the identity being synthetic)
S2	Synthetic 2 – Multiple DOBs	Identity matched has multiple DOB records (can indicate a higher risk of the identity being synthetic)
S3	Synthetic 3 – Similar Names	Identity matched has a high number of relatives with the same/similar name (can indicate a higher risk of the identity being synthetic)
S4	Synthetic 4 – SSN Issued Before DOB	Identity matched has an SSN issued before either the submitted DOB or — if no DOB was submitted — the identity’s DOB (can indicate a higher risk of the identity being synthetic)
SA	Sub-Account Line	Phone number is classified as a sub-account line
SR	Possible More Recent SIM	SIM date returned was not obtained in real-time; there could be a more recent SIM change
UC	Insufficient Data	Indicates there was insufficient data to calculate the trust score
UV	Unverified Address	Indicates the address could not be verified
VA	Vacant Address	Address was vacant (unoccupied in the past 90 days)