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KYC Check

Customer Identification and Validation services (KYC Check) offered by Bank is a combination of various checks including DueDiligencePerson, and FLEXID for individual customers. KYC Check is considered as successful on receipt of “SERVICE_GOOD” response from various services.

note

All API endpoints expects the request payload to be signed by the calling program with private key issued using ECDSA algorithm

Method: POST​

{{URL}}/ekyc/rpc/KycService/Check

Headers​

NameValue
Content-Typeapplication/json

Example​

Payload Parameters
ParameterDescription

refId

String

Unique reference ID of the given KYC request

Sample value – "REF3653070534"

name

Mandatory

Object

firstName

Mandatory

String

First name of the customer

Sample Value  – "COSMO"

middleName

Optional

String

Middle name of the customer

Sample Value  – ""

lastName

Mandatory

String

Last name of the customer

Sample Value  – "BRANA"

ssn

Mandatory

String

Unique 9-digit Social Security Number of customer

Sample Value  – "532-79-3481"

currentAddress

Mandatory

Object

streetAddress1

Mandatory

String

First line of the customer address

Sample Value  – "31 LYNBROOK DR"

streetAddress2

Optional

String

Second line of the customer address

Sample Value  – ""

streetNumber

Optional

String

Street number associated with the address

Sample Value  – ""

streetSuffix

Optional

String

Suffix of street name associated with the address

Sample Value  – ""

streetPreDirection

Optional

String

Directional prefix of the street address

Sample Value  – ""

unitDesignation

Optional

String

Type of unit or sub-address within the building

Sample Value  – ""

unitNumber

Optional

String

Specific unit associated with the unit designation

Sample Value  – ""

city

Mandatory

String

City name associated with the address

Sample Value  – "MARTINEZ"

region

Mandatory

String

State or province associated with the address

Sample Value  – "CA"

postalCode

Mandatory

String

Postal code that provides more specific location details

Sample Value  – "94553"

country

Mandatory

String

Country associated with the address

Sample Value  – "USA"

dob

Mandatory

Object

year

Mandatory

String

Birth Year of the customer in YYYY format

Sample Value  – "1961"

month

Mandatory

String

Birth month of the customer in MM format

Sample Value  – "2"

day

Mandatory

String

Birth day of the customer in DD format

Sample Value  – "27"

phone

Mandatory

String

Phone number of the customer

Sample Value  – "0123456789"

workPhone

Mandatory for InstantID & Optional for other services

String

Customer's workplace contact number

Sample Value  – "0123456789"

homePhone

Mandatory for InstantID & Optional for other services

String

Customer's home contact number

Sample Value  – "0123456789"

email

Mandatory

String

Valid email address of the Customer

Sample Value  – "test@gmail.com"

ip

Mandatory

String

The IP address associated with the device used by the customer for transaction

Sample Value  – "127.0.0.1"


curl --location --globoff --request GET '{{URL}}/ekyc/rpc/KycService/Check' \
--header 'Content-Type: application/json' \
--data-raw '{"refId":"202411210005","name":{"firstName":"COSMO","middleName":"","lastName":"BRANA"},"ssn":"532-79-3481","currentAddress":{"streetAddress1":"31 LYNBROOK DR","streetAddress2":".","streetNumber":"","streetSuffix":"","streetPreDirection":"","unitDesignation":"","unitNumber":"","city":"MARTINEZ","region":"CA","postalCode":"94553","country":"USA"},"dob":{"year":"1961","month":"2","day":"27"},"phone":"0123456789","workPhone":"0123456789","homePhone":"0123456789","email":"test@gmail.com","ip":"127.0.0.1"}'

Body​

{
    "refId": "202411210005",
    "name": {
        "firstName": "COSMO",
        "middleName": "",
        "lastName": "BRANA"
    },
    "ssn": "532-79-3481",
    "currentAddress": {
        "streetAddress1": "31 LYNBROOK DR",
        "streetAddress2": ".",
        "streetNumber": "",
        "streetSuffix": "",
        "streetPreDirection": "",
        "unitDesignation": "",
        "unitNumber": "",
        "city": "MARTINEZ",
        "region": "CA",
        "postalCode": "94553",
        "country": "USA"
    },
    "dob": {
        "year": "1961",
        "month": "2",
        "day": "27"
    },
    "phone": "0123456789",
    "workPhone": "0123456789",
    "homePhone": "0123456789",
    "email": "test@gmail.com",
    "ip": "127.0.0.1"
}

Response: 200​

Response Parameters
ParameterDescription

applicationId

String

Unique application ID generated by the KYC Connector

Sample value – "KYC_00006085"

refId

String

Unique reference ID of the given KYC request

Sample value – "REF3653070534"

kycStatus

Object

bureauStatus

String

Indicates the status of credit bureau checks

Sample Value – "SERVICE_UNSUBSCRIBE"

Note: "SERVICE_UNSUBSCRIBE" implies that the particular KYC check is unsubscribed

dueDiligencePersonStatus

String

Status of due diligence checks

Sample Value  – "SERVICE_UNSUBSCRIBE"

Valid values:

SERVICE_GOOD (service component is up)

SERVICE_DOWN (service component is down)

SERVICE_ERROR (service component returned an error)

SERVICE_UNSUBSCRIBE (service not enabled in customer fee profile)

emailageStatus

String

Status of email verification checks

Sample Value  – "SERVICE_UNSUBSCRIBE"

flexIdStatus

String

Status of Flex ID verification

Sample Value  – "SERVICE_UNSUBSCRIBE"

Valid values:

SERVICE_GOOD (service component is up)

SERVICE_DOWN (service component is down)

SERVICE_ERROR (service component returned an error)

SERVICE_UNSUBSCRIBE (service not enabled in customer fee profile)

idv(eCBSV)Status

String

Status of the Identity Verification process that is conducted through the eCBSV (Electronic Consumer Bank Account Validation) service.

Sample Value  – "SERVICE_UNSUBSCRIBE"

instantIdIndividualStatus

String

Current status of InstantID verification of Individual customer

Sample Value  – "SERVICE_GOOD"

internalStatus

String

Internal processing status of the identity verification request

Sample Value  – "SERVICE_UNSUBSCRIBE"

ipStatus

String

Status of IP address verification to verify location

Sample Value  – "SERVICE_UNSUBSCRIBE"

mobileStatus

String

Status of mobile number verification

Sample Value  – "SERVICE_UNSUBSCRIBE"

ofacStatus

String

Status of OFAC (Office of Foreign Assets Control) verification

Sample Value  – "SERVICE_UNSUBSCRIBE"

sentiLinkInsightsStatus

String

Status of identity verification and fraud detection performed through SentiLink Insights

Sample Value  – "SERVICE_UNSUBSCRIBE"

sentiLinkSSNVerifyStatus

String

Status of SentiLink SSN verification

Sample Value  – "SERVICE_UNSUBSCRIBE"

sentiLinkStatus

String

Status of SentiLink checks

Sample Value  – "SERVICE_UNSUBSCRIBE"

decision

Object

INSTANTIDINDIVIDUAL

Object

status

String

Outcome status of Individual customer InstantID verification

Sample Value  – "PASS"

description

String

Additional description on the Individual customer InstantID status

Sample Value  – ""

model

String

Model identifier used for the verification

Sample Value  – "26"

consolidatedModel

Object

status

String

Final aggregated verification of an individual customer verification process based on multiple checks done for InstantID verification

Sample Value  – "PASS"

description

String

Additional description on the Individual customer consolidated verification status

Sample Value  – ""

model

String

Model identifier used for the verification

Sample Value  – "27"

consolidatedStatus

String

Final aggregated status based on outcomes from various checks and models

Sample Value  – "PASS"

InstantIDIResponse

Object

InstantIDResponseEx

Object

@xmlns

String

XML namespace of LexisNexis InstantID web service used in the context of InstantID API

Sample Value  – "http://webservices.seisint.com/WsIdentity"

Response

Object

Header

Object

QueryId

String

Unique ID of the specific query made to the InstantID service

Sample Value  – "Corporation123"

TransactionId

String

Final aggregated status based on outcomes from various checks and models

Unique ID assigned to transaction processed by the InstantID service

Sample Value  – "173108102S7276"

Result

Object

InputEcho

Object

Name

Object

First

String

First name of the individual customer being verified

Sample Value  – "VICTOR"

Last

String

Last name of the individual customer being verified

Sample Value  – "QUEMERE"

Address

Object

StreetAddress1

String

Address of the individual customer being verified

Sample Value  – "2705 RD"

City

String

City associated with the customer address

Sample Value  – "CHARLOTTE"

State

String

State associated with the customer address

Sample Value  – "NC"

Zip5

String

5-digit postal code associated with the customer address

Sample Value  – "28216"

DOB

Object

Year

Number

Birth Year of the customer

Sample Value  – 1946

Month

Number

Birth month of the customer

Sample Value  – 3

Day

Number

Birth day of the customer

Sample Value  – 11

Age

Number

Current age of the individual customer

Sample Value  – 69

SSN

String

Unique 9-digit Social Security Number of customer

Sample Value  – "606503145"

DriverLicenseNumber

String

Driver license number of the customer

Sample Value  – "FL194601234"

DriverLicenseState

String

State where the driver's license was issued

Sample Value  – "FL"

IPAddress

String

IP address of the device used by customer in transaction

Sample Value  – "123.00.1.123"

HomePhone

String

Customer's home contact number

Sample Value  – "7148003425"

WorkPhone

String

Customer's workplace contact number

Sample Value  – "4018416704"

UseDOBFilter

Boolean

Whether the Date of Birth (DOB) filter is applied during the identity verification process

Here, DOB is considered as the key factor in refining the verification process

Sample Value  – true

DOBRadius

Number

Number of years around the DOB that is considered as the tolerance for slight variations in the provided date of birth and is allowed for matching

Sample Value  – 3

Passport

Object

Number

String

Passport number of the customer

Sample Value  –"0123456789"

ExpirationDate

Object

Year

Number

Expiration Year of the customer passport

Sample Value  – 2016

Month

Number

Expiration month of the customer passport

Sample Value  – 4

Day

Number

Expiration day of the customer passport

Sample Value  – 29

Country

String

Country that issued Passport to the customer

Sample Value  – "Sweden"

MachineReadableLine1

String

First line of machine-readable encoded data that is used for automated identity verification

Sample Value  – "0oljl21X0x0312313"

MachineReadableLine2

String

Second line of machine-readable encoded data that is used for automated identity verification

Sample Value  – "0oljl21X0x03123131s112"

Gender

String

Gender of the customer

Sample Value  – "0123456789"

Channel

String

Medium used for transaction

Sample Value  – "Internet"

OwnOrRent

String

Whether the customer owns or rents the residence

Sample Value  – "Own"

LocationIdentifier

String

Unique ID of the individual's location, associated with a specific address or geographic area

Sample Value  – "0123456"

OtherApplicationIdentifier1

String

Additional uniques ID to verify customer's application across different internal and external systems

Sample Value  – "123456789"

UniqueId

String

Unique system-generated ID of individual customer's verified record which can be referenced for future verifications

Sample Value  – "385133681"

VerifiedInput

Object

Name

Object

First

String

First name of the customer, that was validated during verification process

Sample Value  – "VICTOR"

Last

String

Last name of the customer, that was validated during verification process

Sample Value  – "QUEMERE"

Address

Object

StreetNumber

String

Street number associated with the validated address of the customer

Sample Value  – "2705"

StreetName

String

Street name associated with the validated address of the customer

Sample Value  – "RD"

StreetSuffix

String

Suffix of street name associated with the validated address of the customer

Sample Value  – "RD"

StreetAddress1

String

Full street address

Sample Value  – "2705 RD"

City

String

City name associated with the validated address of the customer

Sample Value  – "CHARLOTTE"

State

String

State associated with the validated address of the customer

Sample Value  – "NC"

Zip5

String

5-digit postal code associated with the validated address of the customer

Sample Value  – "28216"

Zip4

String

Extended 4-digit postal code that provides more specific location details

Sample Value  – "3516"

County

String

county within the state associated with the validated address

Sample Value  – "NEWPORT"

SSN

String

Unique 9-digit Social Security Number of customer

Sample Value  – "60650xxxx"

NameAddressSSNSummary

Number

Index value of the NameAddressSSNSummary reflects how well the provided data matches the records during the identity verification process

Note: Higher the index value means that the identity is likely valid; If the value is lower, indicates that inconsistencies or mismatches in one or more of the fields

Sample Value  – 12

NameAddressPhone

Object

Summary

String

Index value of the NameAddressPhone reflects how well the phone number is connected to the individual's name and address

Note: Higher the index value suggests a better alignment of the provided phone number with the individual's name and address records; if the value is 0, means that the phone number provided did not match the name and address in the records

Sample Value  – "0"

ComprehensiveVerification

Object

ComprehensiveVerificationIndex

Number

Index that summarizes the verification matches that are found in the NAS summary and NAP summary

Sample Value  – 40

RiskIndicators

Object

RiskIndicator

Array

RiskCode

String

Code representing the risk level

Sample Value  – "CA"

Description

String

Description about the risk indicator

Sample Value  – "The primary input address is a Commercial Mail Receiving Agency"

Sequence

Number

Sequence number of the risk indicator

Sample Value  – 1

PotentialFollowupActions

Object

FollowupAction

Array

RiskCode

String

Risk code based on which the suggested follow-up action to be done

Sample Value  – "C"

Description

String

Description for the suggested follow-up action based on the risk code

Sample Value  – "Verify name with Address (via DL utility bill Directory Assistance paycheck stub or other Government Issued ID)"

InputCorrected

Object

Name

Object

Last

String

Last name of the customer that required correction

Sample Value  – "QUEMIRE"

PhoneOfNameAddress

String

Contact phone number of the customer that required correction

Sample Value  – "4018487600"

SSNInfo

Object

Valid

String

Value that reflects the validity of SSN

Sample Value  – "G"

IssuedEndDate

Object

Year

Number

Year when the SSN was issued

Sample Value  – 1994

Month

Number

Month when the SSN was issued

Sample Value  – 5

IssuedStartDate

Object

Year

Number

Year when the validity period of SSN was started

Sample Value  – 1993

Month

Number

Month when the validity period of SSN was started

Sample Value  – 10

AdditionalScore1

String

Additional Score that can be used for relevant findings or risks related to verification process

Sample Value  – "0"

AdditionalScore2

String

Additional Score that reflects if there are any relevant findings or risks related to verification process

Sample Value  – "0"

ChronologyHistories

Object

ChronologyHistory

Array

Record of address history of customer indicating the past locations and timelines associated with these addresses

Address

Object

StreetNumber

String

Street number of the address, which is one of the addresses in the historical record of customer

Sample Value  – "2705"

StreetName

String

Street name associated with one of the past addresses

Sample Value  – "2705"

StreetAddress1

String

City

String

City name associated with the address

Sample Value  – "CAMERON"

State

String

State associated with the address

Sample Value  – "TX"

Zip5

String

5-digit postal code associated with the address

Sample Value  – "76520"

Zip4

String

Extended 4-digit postal code that provides more specific location details

Sample Value  – "1631"

DateFirstSeen

Object

Year

Number

Year of the date when the address was first seen in the record associated with the customer

Sample Value  –2012

Month

Number

Month of the date when the address was first seen in the record associated with the customer

Sample Value  –5

DateLastSeen

Object

Year

Number

Year of the date when the address was last seen in the record associated with the customer

Sample Value  –2013

Month

Number

Month of the date when the address was last seen in the record associated with the customer

Sample Value  –9

IsBestAddress

Boolean

Whether this is the primary and reliable address

Sample Value  –true

CurrentName

Object

First

String

First name of the current name

Sample Value  – "VICTOR"

Last

String

Last name of the current name

Sample Value  – "QUEMERE"

AdditionalLastNames

Object

AdditionalLastName

Array

If any other last names associated with the customer according to the historical records

DateLastSeen

Object

Year

Number

Year of the date when the last name was last seen in the record associated with the customer

Sample Value  –2013

Month

Number

Month of the date when the last name was last seen in the record associated with the customer

Sample Value  – 9

LastName

String

Last name of the customer during the mentioned year and month

Sample Value  – "GOCHENOUR"

Models

Object

Model

Array

Specific model or the type of evaluation applied for risk assessment and verification process

Name

String

Name of the specific model

Sample Value  – "StudentDefender"

Scores

Object

Score

Array

Type

String

Range of the score, within which the score falls that gives specific meaning

Sample Value  – "0 to 999"

Value

Number

Name of the specific model

Sample Value  –589

RiskIndices

Null

Additional indices related to the risk evaluation

RiskIndicators

Object

RiskIndicator

Array

Specific risks issues identified by the model

RiskCode

String

Specific risk code that indicates the type of risk

Sample Value  – "34"

Description

String

Description or meaning of the risk code

Sample Value  – "Incomplete verification"

PassportValidated

Boolean

Whether the passport provided was successfully validated

Sample Value  –false

FoundSSNCount

Number

Number of Social Security Numbers (SSNs) found during the verification process

Sample Value  –0

DOBMatchLevel

Number

Matching level of Date of Birth provided for the verification

Sample Value  –0

Valid values:

0 (No DOB found or no DOB submitted)

1 (Nothing matches)

2 (Only Day matches)

3 (Only Month matches)

4 (Only Day and Month match)

5 (Only Day and Year match)

6 (Only Year matches)

7 (Only Month and Year match)

8 (Month, Day, and Year match)

SSNFoundForLexID

Boolean

Whether SSN was found for the LexisNexis InstantID

Sample Value  –false

AddressPOBox

Boolean

Whether the provided address is P.O. Box

Sample Value  –false

AddressCMRA

Boolean

Whether the address is a Commercial Mail Receiving Agency (CMRA)

Sample Value  –true

InstantIDVersion

String

InstantID version used for verification process

Sample Value  – "1"

EmergingId

Boolean

Whether EmergingID that indicates the possibility of newly created identities associated with the individual

Sample Value  –false

AddressStandardized

Boolean

Whether the provided address is corrected and standardized

Sample Value  –false

StandardizedInputAddress

Object

StreetNumber

String

Street number of standardized address

Sample Value  – "2705"

StreetName

String

Street name of standardized address

Sample Value  – "RD"

StreetSuffix

String

Street name suffix of standardized address

Sample Value  – "RD"

City

String

City of standardized address

Sample Value  – "NEWPORT"

State

String

State of standardized address

Sample Value  – "RI"

Zip5

String

5-digit postal code associated with the validated address of the customer

Sample Value  – "28216"

Zip4

String

Extended 4-digit postal code that provides more specific location details

Sample Value  – "3516"

Latitude

String

Geographical latitude of the address

Sample Value  – "41.481321"

Longitude

String

Geographical longitude of the address

Sample Value  – "-71.30851"

BureauDeleted

Boolean

Whether the record has been deleted from bureau data

Sample Value  –false

ITINExpired

Boolean

Whether the Individual Taxpayer Identification Number (ITIN) associated with the customer has expired

Sample Value  –false

IsPhoneCurrent

Boolean

Whether the provided phone number is current contact number

Sample Value  –false

PhoneLineType

Boolean

Whether the phone number is a landline or not

Sample Value  –false

Pdf

String

PDF document of the verification report

Sample Value  – "JVBERi0xLjQKMSAwIG9iago8PAovVzYgMzMwIDYwNiA1NTIgNjA2IDcxNiA1NTIgNTUyIDYwNpbmRyZXNvdXJjZSBiZWdpbgoxMiBkaWN0IGK...."

fee

Number

Fee charged, based on the customer's fee profile for the individual KYC check

Sample Value  –500

accountInfo

Object

apiCallCost

Number

Cost for the API call request

Sample Value  –500

balance

Number

Account balance of the customer

Sample Value  –500


{
    "applicationId": "KYC_00006085",
    "refId": "REF3653070534",
    "kycStatus": {
        "bureauStatus": "SERVICE_UNSUBSCRIBE",
        "dueDiligencePersonStatus": "SERVICE_UNSUBSCRIBE",
        "emailageStatus": "SERVICE_UNSUBSCRIBE",
        "flexIdStatus": "SERVICE_UNSUBSCRIBE",
        "idv(eCBSV)Status": "SERVICE_UNSUBSCRIBE",
        "instantIdIndividualStatus": "SERVICE_GOOD",
        "internalStatus": "SERVICE_UNSUBSCRIBE",
        "ipStatus": "SERVICE_UNSUBSCRIBE",
        "mobileStatus": "SERVICE_UNSUBSCRIBE",
        "ofacStatus": "SERVICE_UNSUBSCRIBE",
        "sentiLinkInsightsStatus": "SERVICE_UNSUBSCRIBE",
        "sentiLinkSSNVerifyStatus": "SERVICE_UNSUBSCRIBE",
        "sentiLinkStatus": "SERVICE_UNSUBSCRIBE"
    },
    "decision": {
        "INSTANTIDINDIVIDUAL": {
            "status": "PASS",
            "description": "",
            "model": "26"
        },
        "consolidatedModel": {
            "status": "PASS",
            "description": "",
            "model": "27"
        },
        "consolidatedStatus": "PASS"
    },
    "InstantIDIResponse": {
        "InstantIDResponseEx": {
            "@xmlns": "http://webservices.seisint.com/WsIdentity",
            "Response": {
                "Header": {
                    "QueryId": "Corporation123",
                    "TransactionId": "173108102S7276"
                },
                "Result": {
                    "InputEcho": {
                        "Name": {
                            "First": "VICTOR",
                            "Last": "QUEMERE"
                        },
                        "Address": {
                            "StreetAddress1": "2705 RD",
                            "City": "CHARLOTTE",
                            "State": "NC",
                            "Zip5": "28216"
                        },
                        "DOB": {
                            "Year": 1946,
                            "Month": 3,
                            "Day": 11
                        },
                        "Age": 69,
                        "SSN": "606503145",
                        "DriverLicenseNumber": "FL194601234",
                        "DriverLicenseState": "FL",
                        "IPAddress": "123.00.1.123",
                        "HomePhone": "7148003425",
                        "WorkPhone": "4018416704",
                        "UseDOBFilter": true,
                        "DOBRadius": 3,
                        "Passport": {
                            "Number": "0123456789",
                            "ExpirationDate": {
                                "Year": 2016,
                                "Month": 4,
                                "Day": 29
                            },
                            "Country": "Sweden",
                            "MachineReadableLine1": "0oljl21X0x0312313",
                            "MachineReadableLine2": "0oljl21X0x03123131s112"
                        },
                        "Gender": "M",
                        "Channel": "Internet",
                        "OwnOrRent": "Own",
                        "LocationIdentifier": "0123456",
                        "OtherApplicationIdentifier1": "123456789"
                    },
                    "UniqueId": "385133681",
                    "VerifiedInput": {
                        "Name": {
                            "First": "VICTOR",
                            "Last": "QUEMERE"
                        },
                        "Address": {
                            "StreetNumber": "2705",
                            "StreetName": "RD",
                            "StreetSuffix": "RD",
                            "StreetAddress1": "2705 RD",
                            "City": "CHARLOTTE",
                            "State": "NC",
                            "Zip5": "28216",
                            "Zip4": "3516",
                            "County": "NEWPORT"
                        },
                        "SSN": "60650xxxx"
                    },
                    "NameAddressSSNSummary": 12,
                    "NameAddressPhone": {
                        "Summary": "0"
                    },
                    "ComprehensiveVerification": {
                        "ComprehensiveVerificationIndex": 40,
                        "RiskIndicators": {
                            "RiskIndicator": [
                                {
                                    "RiskCode": "CA",
                                    "Description": "The primary input address is a Commercial Mail Receiving Agency",
                                    "Sequence": 1
                                },
                                {
                                    "RiskCode": "PA",
                                    "Description": "Potential address discrepancy - the Input address may be previous address",
                                    "Sequence": 2
                                },
                                {
                                    "RiskCode": "27",
                                    "Description": "Unable to verify phone number",
                                    "Sequence": 3
                                },
                                {
                                    "RiskCode": "SD",
                                    "Description": "The input address State is different than LN best address State for the input identity",
                                    "Sequence": 4
                                },
                                {
                                    "RiskCode": "14",
                                    "Description": "The input address is a transient commercial or institutional address",
                                    "Sequence": 5
                                },
                                {
                                    "RiskCode": "10",
                                    "Description": "The input phone number is a mobile number",
                                    "Sequence": 6
                                }
                            ]
                        },
                        "PotentialFollowupActions": {
                            "FollowupAction": [
                                {
                                    "RiskCode": "C",
                                    "Description": "Verify name with Address (via DL  utility bill  Directory Assistance  paycheck stub  or other Government Issued ID)"
                                },
                                {
                                    "RiskCode": "D",
                                    "Description": "Verify phone (Directory Assistance  utility bill)"
                                }
                            ]
                        }
                    },
                    "InputCorrected": {
                        "Name": {
                            "Last": "QUEMIRE"
                        }
                    },
                    "PhoneOfNameAddress": "4018487600",
                    "SSNInfo": {
                        "Valid": "G",
                        "IssuedEndDate": {
                            "Year": 1994,
                            "Month": 5
                        },
                        "IssuedStartDate": {
                            "Year": 1993,
                            "Month": 10
                        }
                    },
                    "AdditionalScore1": "0",
                    "AdditionalScore2": "0",
                    "ChronologyHistories": {
                        "ChronologyHistory": [
                            {
                                "Address": {
                                    "StreetNumber": "2705",
                                    "StreetName": "RD",
                                    "StreetAddress1": "2705 RD",
                                    "City": "CAMERON",
                                    "State": "TX",
                                    "Zip5": "76520",
                                    "Zip4": "1631"
                                },
                                "DateFirstSeen": {
                                    "Year": 2012,
                                    "Month": 5
                                },
                                "DateLastSeen": {
                                    "Year": 2013,
                                    "Month": 9
                                },
                                "IsBestAddress": true
                            },
                            {
                                "Address": {
                                    "StreetAddress1": "270 BELLEVUE AVE",
                                    "City": "NEWPORT",
                                    "State": "RI",
                                    "Zip5": "2840",
                                    "Zip4": "3516"
                                },
                                "DateFirstSeen": {
                                    "Year": 2013,
                                    "Month": 9
                                },
                                "DateLastSeen": {
                                    "Year": 2013,
                                    "Month": 9
                                }
                            },
                            {
                                "Address": {
                                    "StreetAddress1": "837 SADDLEBACK TRAIL RD",
                                    "City": "CHESAPEAKE",
                                    "State": "VA",
                                    "Zip5": "23322",
                                    "Zip4": "8850"
                                },
                                "Phone": "7576398999",
                                "DateFirstSeen": {
                                    "Year": 2012,
                                    "Month": 5
                                },
                                "DateLastSeen": {
                                    "Year": 2013,
                                    "Month": 9
                                }
                            }
                        ]
                    },
                    "CurrentName": {
                        "First": "VICTOR",
                        "Last": "QUEMERE"
                    },
                    "AdditionalLastNames": {
                        "AdditionalLastName": [
                            {
                                "DateLastSeen": {
                                    "Year": 2013,
                                    "Month": 9
                                },
                                "LastName": "GOCHENOUR"
                            }
                        ]
                    },
                    "Models": {
                        "Model": [
                            {
                                "Name": "StudentDefender",
                                "Scores": {
                                    "Score": [
                                        {
                                            "Type": "0 to 999",
                                            "Value": 589,
                                            "RiskIndices": null,
                                            "RiskIndicators": {
                                                "RiskIndicator": [
                                                    {
                                                        "RiskCode": "34",
                                                        "Description": "Incomplete verification"
                                                    },
                                                    {
                                                        "RiskCode": "10",
                                                        "Description": "The input phone number is a mobile number"
                                                    },
                                                    {
                                                        "RiskCode": "11",
                                                        "Description": "The input address may be invalid according to postal specifications"
                                                    }
                                                ]
                                            }
                                        },
                                        {
                                            "Type": "10 to 50",
                                            "Value": 30,
                                            "RiskIndices": null,
                                            "RiskIndicators": {
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                                                    {
                                                        "RiskCode": "34",
                                                        "Description": "Incomplete verification"
                                                    },
                                                    {
                                                        "RiskCode": "10",
                                                        "Description": "The input phone number is a mobile number"
                                                    },
                                                    {
                                                        "RiskCode": "11",
                                                        "Description": "The input address may be invalid according to postal specifications"
                                                    }
                                                ]
                                            }
                                        },
                                        {
                                            "Type": "10 to 90",
                                            "Value": 30,
                                            "RiskIndices": null,
                                            "RiskIndicators": {
                                                "RiskIndicator": [
                                                    {
                                                        "RiskCode": "34",
                                                        "Description": "Incomplete verification"
                                                    },
                                                    {
                                                        "RiskCode": "10",
                                                        "Description": "The input phone number is a mobile number"
                                                    },
                                                    {
                                                        "RiskCode": "11",
                                                        "Description": "The input address may be invalid according to postal specifications"
                                                    }
                                                ]
                                            }
                                        }
                                    ]
                                }
                            }
                        ]
                    },
                    "PassportValidated": false,
                    "FoundSSNCount": 0,
                    "DOBMatchLevel": 0,
                    "SSNFoundForLexID": false,
                    "AddressPOBox": false,
                    "AddressCMRA": true,
                    "InstantIDVersion": "1",
                    "EmergingId": false,
                    "AddressStandardized": false,
                    "StandardizedInputAddress": {
                        "StreetNumber": "2705",
                        "StreetName": "RD",
                        "StreetSuffix": "RD",
                        "City": "NEWPORT",
                        "State": "RI",
                        "Zip5": "28216",
                        "Zip4": "3516",
                        "Latitude": "41.481321",
                        "Longitude": "-71.30851"
                    },
                    "BureauDeleted": false,
                    "ITINExpired": false,
                    "IsPhoneCurrent": false,
                    "PhoneLineType": false
                },
                "Pdf": "JVBERi0xLjQKMSAwIG9iago8PAovVzYgMzMwIDYwNiA1NTIgNjA2IDcxNiA1NTIgNTUyIDYwNpbmRyZXNvdXJjZSBiZWdpbgoxMiBkaWN0IGK...."
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        }
    },
    "fee": 500,
    "accountInfo": {
        "apiCallCost": 500,
        "balance": 1064
    }
}