Identity Resolution Overview

Learn about the components that make up the Identity Resolution solution

Pain points

• **Blocked Personalization and Cross-Selling: **With customer data spread across multiple, siloed accounts, businesses can’t get a complete picture of a single customer’s preferences and history. This makes it difficult to offer personalized product recommendations and identify opportunities for cross-selling.
• **Ineffective Fraud Prevention: **Fragmented data prevents a business from identifying a single person across different services. This makes it challenging to detect fraudulent activity, as a bad actor can exploit these data silos to create multiple accounts and evade detection.
• Poor Customer Experience: A customer like Gail Smith might have to manage multiple accounts across different brands within the same corporation. They may receive redundant or irrelevant communications and have to provide the same information repeatedly. This lack of a unified customer view leads to frustration and a disjointed experience.

Value drivers

1. **Unified Customer View: **Prove creates a single, comprehensive view of each customer by connecting all their fragmented accounts and data points to a central “Prove ID.” This allows businesses to understand their customers as a single entity, rather than as multiple, disconnected profiles.
2. **Enhanced Customer Experience and Marketing: **By linking all customer accounts, brands can deliver a more cohesive experience. This unified view enables personalized marketing and cross-selling, as businesses can leverage a complete picture of a customer’s history and preferences.
3. **Secure and Privacy-Conscious Data Management: **The solution unifies customer identities without compromising privacy. Using “clean room” techniques, Prove links accounts and builds the identity graph without needing to access clients’ personally identifiable information (PII), ensuring data security and regulatory compliance.

Input parameters

1 of these is required:

• National ID
• Phone (And date of last authentication)
• Email (and date of last authentication)
• PII (2 each of)
  • First Name + Last Name + Address
  • First Name + Last Name + DOB
  • DOB + Address

All of these are optional (but help with resolution)

• First Name
• Last Name
• Address
  • Address (street)
  • extendedAddress (street2)
  • City
  • Region
  • postalCode
• Date of Birth

Field	Field Type	Identity Resolution	Description
phoneNumber	string	Required	The number of the mobile phone. Acceptable characters are: alphanumeric with symbols ’+’.
phoneNumber (date last verified)	string	Required	The last date that a possession check was completed for a phone number. The format is YYYY-MM-DD. Acceptable characters are: numeric with symbol ’-‘
verificationType	string	"IdentityResolution"	Prove offers different verification methods based on your use case and authorization level required. Available verification methods are: bot verifiedUsers prefill prefillForBusiness accountOpening identityResolution
firstName	string	Required	The verified first name of the user.
lastName	string	Required	The verified last name of the user.
emailAddress	string	Optional	The email address associated with the phone number.
email (date last verified)	string	Conditional	The date the email address was last verified (e.g., 2023-01-01 ).
address	list of objects	Optional	A list of up to three verified addresses for the user, each containing street , street2 , city , region , and postalCode .
address (street)	string	Optional	The street address of the individual.
extendedAddress (street2)	string	Optional	The apartment number or other extended address information.
city	string	Optional	The city of the individual.
region	string	Optional	The state or locality of the individual.
postalCode	string	Optional	The zip code of the individual. It can be either 5 digits (XXXXX) or ZIP+4 (XXXXX-XXXX).
dateOfbirth	string	Optional	The date of birth associated with the phone number.
nationalId	string	Optional	The user’s national ID, such as the full or last four digits of their SSN.
ipAddress	string	Optional	The IP address of the user.
userAgent	string		The user agent of the session of the individual.
avsResult	list of objects
identityID	string
correlationId	string		A unique ID that links all calls for the same flow. **This is a crucial field to save for subsequent calls. **
clientRequestId	string		Your unique request identifier.
clientCustomerId	string	Required	A client-generated unique ID for a specific customer. This can be used by clients to link calls related to the same customer, across different requests or sessions.
clientHumanID	string		A client-generated unique ID for a specific customer that has been identity proofed. This can be used by clients to link calls related to the same customer, across different requests or sessions. The format of this ID is defined by the client - Prove recommends using a GUID, but any format can be accepted. Do not include personally identifiable information (PII) in this field.
proveKeySdkResponsePayload	string
businessName	string		The legal business name of the business attempting a verification.
AccountID	string	Optional
walletMetaData (only required if wallet is onboarding)	string	Conditional
Wallet : paymentTypes (ex: ACH, RTP, Fednow, Debit, Credit, Crypto)	string	Conditional
Wallet :createdDate (date the wallet was created for fraud analysis purposes)	string	Conditional
Wallet :locationRestrictions (regions where this wallet is able to be used)	string	Conditional
Wallet :industryRestrictions (if the wallet isn’t able to be used for gambling, alcohol, canabis, weapons, etc)	string	Conditional

Output parameters

Field	Field Type	Identity Resolution
success	string	✅
phoneNumber	string	✅
verifyResult (GFP Result)	string	✅
assuranceLevel	string	✅
correlationId	string	✅
proveId	string	✅
proveKey	string	✅
PFA	string
clientRequestID	string	✅
clientHumanID	string	✅
clientCustomerId	string	✅
identity	list of objects
firstName	string
lastName	string
nationalId	string
dateOfBirth	string
email(s)	list of objects
email1	string
email2	string
address(es)	list of objects
streetAddress	string
streetAddress2	string
city	string
region	string
zipCode	string
reasons	object	✅