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Verify an identity

In this tutorial, you learn how to verify an individual or business against J.P. Morgan and third-party sources. By the end of this tutorial, you will know how to determine what you must verify, including the individual's or business’s name.

Before you begin

To retrieve the status of a Validation Services request, you will need the following:

  • A registered and fully onboarded Developer Account on the J.P. Morgan Payments Developer Portal.
  • An active profile that provides you with the credentials to make a request.

Verify an individual

Identity Verification automates the verification of client counterparty data, including personal identity data such as name, date of birth, address, and government issued ID number(s) by comparing it against internal and third-party sources. To do this, call a POST request to the /v2/validations/entities endpoint. The following example shows the required fields for an individual's government-issued ID verification request.

Example request: required fields for an individual government-issued ID verification
Json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174123",
    "entity": {
      "individual": {
        "firstName": "JOHN",
        "lastName": "SMITH",
        "middleName": "KAY",
        "additionalLastName": "MARTINEZ",
        "namePrefix": "MR",
        "nameSuffix": "JR",
        "fullName": "MR JOHN KAY SMITH MARTINEZ JR",
        "postalAddress": {
          "addressLine": [
            "123 MAIN ST",
            "APT 1A"
          ],
          "unitNumber": "4",
          "buildingNumber": "120",
          "buildingName": "CAPITAL TOWER",
          "streetName": "CLEMENT TOWN",
          "streetType": "AVENUE",
          "suburb": "CITRUS PARK",
          "townName": "TAMPA",
          "countrySubDvsn": "FL",
          "country": "US",
          "postalCode": "33607",
          "county": "HILLSBOROUGH",
          "residentialStatus": "Rent"
        },
        "contactDetails": {
          "phoneNumbers": [
            {
              "phoneNumber": "2137685675",
              "phoneNumberType": "home"
            },
            {
              "phoneNumber": "2137685676",
              "phoneNumberType": "work"
            },
            {
              "phoneNumber": "2137685677",
              "phoneNumberType": "mobile"
            }
          ],
          "email": "jsmith@fakemail.com"
        },
        "identification": [
          {
            "idType": "SSN",
            "id": "111223333"
          },
          {
            "idType": "DRIVERS_LICENSE_USA",
            "id": "F123-1234-1234",
            "issuer": "FL",
            "expirationDate": 20240131
          },
          {
            "idType": "NATIONAL_ID",
            "id": "440861896421345987",
            "issuer": "FL",
            "expirationDate": 20240130
          },
          {
            "idType": "VOTER_ID",
            "id": "SIQ3830379"
          },
          {
            "idType": "DRIVERS_LICENSE",
            "id": "DL6971548E",
            "issueDate": 20140131,
            "expirationDate": 20240130
          }
        ],
        "gender": "M",
        "dateOfBirth": 19850131
      }
    }
  }
]

The following example shows a response for an individual government-issued ID verification request:

Example response
Json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174123",
     "responses": [
       {
         "codes": {
           "individualID": {
             "code": 1201,
           "message": "Fail"
        }
       },
       "provider": "LEXISNEXIS_INSTANT_ID"
      }
    ]
  }
]

Next steps