The Full IDV service allows you to perform real-time validation of an individual’s address, phone number, SSN, date of birth, deceased indicator, bankruptcy, criminal/infractions, liens, judgments, and other identity-related details by a provided phone number using a third-party database.
To enable this service, go to the Fraud and Anomaly > iClear > Lead Processing Rules section and select a Product from the drop-down list. Click the “Select” button to proceed.
Once you select the Product, you’ll be automatically redirected to the “Lead Processing Rules (iClear)” subtab. You may also navigate here by selecting the System Management > Products section on the left-hand menu and clicking on the “Settings” button for the corresponding Product (Lead Processing Rules (iClear) sub-tab).
To configure this service, click the “Add Service” button in the Global Rules block. Fill in the following fields:
- Select Third Party Service: Select the “Full IDV” option.
- Execution Type:
- Select the "Synchronous" option to wait for the service lookup outcome before processing a lead. This execution type is recommended for real-time filtration of a lead based on the lookup status. Before processing a lead, the system makes a request to the third-party database.
- Select the "Asynchronous" option to make a simultaneous request and process a lead without waiting for the lookup outcome. This execution type is recommended for analytical purposes and not for real-time lead filtration based on the lookup status. While processing a lead, the system makes a request to the third-party database.
- Select the “On-Demand” option to enable leads filtration when the “% of lead to lookup” is set as 0 (null).
- % of leads to lookup: Set the percentage of leads to be checked through this service.
- Select a field to retrieve the phone number: Select which field the system will retrieve the phone number from. Example: cellPhone.
- Reject the lead if the phone number was last seen less than X days before: Enter the time range (in days) within which the lead will be rejected after the multiple appearances in the system.
- Reject the lead if any bankruptcy cases are detected: Select whether you want to reject the lead if any bankruptcy case is found.
- Reject the lead if LastName is not equal to: Select the field that the lead`s Last Name should be equal to. The lead will be rejected if the value is not equal.
- Reject the lead if any criminal cases are discovered: Select whether you want to reject the lead if any criminal case is found.
- Reject the lead if any judgment cases are identified: Select whether you want to reject the lead if any judgment case is found.
- Reject the lead if any lien cases are found: Select whether you want to reject the lead if any lien case is found.
- Reject the lead if any foreclosure cases are found: Select whether you want to reject the lead if any foreclosure case is found.
The “Advanced Settings” configuration block allows you to customize the lookup and timeout settings of the service according to the selected Execution Type.
- Lookup only in the local DB (Synchronous Execution only): Select “Yes” for the service to look up only in the local database. Select “No” for the service to look up both in the local database and API.
- If local lookup fails, perform an Asynchronous run (Synchronous Execution only): Select “Yes” to perform the Asynchronous run in case the local database lookup is unsuccessful. Select “No” to disable the lookup override.
- API Timeout (Synchronous Execution): Fill in the service response timeout (from one to five seconds). Note: The field is active only if the “Lookup only in local DB” option is disabled.
- API Timeout (Asynchronous Execution): Fill in the service response timeout (from one to five seconds).
- After a timeout, run as Asynchronous (Synchronous Execution only): Select “Yes” to perform the Asynchronous execution if the timeout runs out. Select “No” to disable the Asynchronous run override.
- No response service action: Select the action in case there is no response from the third-party service (Continue Processing, Reject Lead).
The “Additional Run Settings” configuration block allows you to configure more options to determine at which stage you would prefer to run the service.
- Service run time: Select whether you would prefer to run the service before or after the leads are filtered out (After filtration / Before filtration). Note: Please be aware that selecting this option may impact your invoice. Once this option is selected and no campaigns remain for the service to run, no charges will be incurred.
- Run service on (PingPost products only): Select one of the options to determine at which stage you prefer to run the service for the Ping Post products (Ping / Post / Ping and Post).
- Run service on silent ping: Select whether you want to run the service during the silent ping stage.
Click the “Add” button to confirm.
Read more about the Global Rules and Advanced Rules configuration in this Knowledge Base article.