Integrate Account Intelligence

For AI agents: visit https://help.socure.com/llms.txt for an index of all pages formatted in Markdown and endpoints in OpenAPI.

Before you start Skip link to Before you start

Make sure your RiskOS™ environment is provisioned with:

A workflow configured for the Account Intelligence enrichment.

Choose your environment Skip link to Choose your environment

Start with Sandbox for development and testing, then move to Production for live applications.

  https://riskos.sandbox.socure.com/api/evaluation

  https://riskos.socure.com/api/evaluation

Get an API key Skip link to Get an API key

  1. In the Sandbox RiskOS™ Dashboard, go to Developer Workbench > API Keys.

  2. Copy your API key securely.

  3. In the Production RiskOS™ Dashboard, go to Developer Workbench > API Keys.

  4. Copy your API key securely

How it works Skip link to How it works

  1. Send a POST request to /api/evaluation with identity data.
  2. Socure runs the request through configured RiskOS™ workflow with tailored enrichments.
  3. Receive a decision (ACCEPT, REVIEW, or REJECT) and supporting metadata.
  4. Apply your routing logic based on the result.

Example frontend input form (mapped to /api/evaluation payload) Skip link to Example frontend input form (mapped to ,[object Object], payload)

This example screen shows how a mobile app might capture user information during onboarding before triggering a RiskOS™ /api/evaluation request.

Each field maps to required parameters in the data.individual object:

You can configure which fields are required per workflow by adjusting module-level match logic in RiskOS™.

Start a new Risk Evaluation Skip link to Start a new Risk Evaluation

Endpoint Skip link to Endpoint

SandboxProduction

POST https://riskos.sandbox.socure.com/api/evaluation

POST https://riskos.socure.com/api/evaluation

Authentication and headers Skip link to Authentication and headers

Include your API key in the Authorization header as a Bearer token, along with standard JSON headers:

HTTP

Authorization: Bearer YOUR_API_KEY
Content-Type: application/json
Accept: application/json
X-API-Version: 2025-01-01.orion   # optional – pins a specific API version

Example request: Account AVAILABILITY Skip link to Example request: Account ,[object Object]

Use these fields when you need to confirm whether a bank account is currently open and available for transactions. The account_number and routing_number together uniquely identify the account, and the account_inquiries field must be set to AVAILABILITY.

JSONcURL

{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "individual": {
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["AVAILABILITY"]
      }
    }
  }
}

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer YOUR_API_KEY' \
--data-raw '{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "individual": {
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["AVAILABILITY"]
      }
    }
  }
}'

Request schema Skip link to Request schema

Top-level fields Skip link to Top-level fields
Field Type Required Description Example
id String Required Required, customer-defined unique identifier for the request.
This value must be unique for each evaluation. Reusing an ID causes RiskOS™ to treat the request as a re-run and can impact processing behavior, results, and downstream workflows.		 "123456"
timestamp String <Date-Time> Required Timestamp when evaluation was initiated "2025-05-18T02:09:25Z"
workflow String Required RiskOS™ workflow name configured in your environment.
Note: The workflow name must be unique within your RiskOS™ environment. It is not scoped by use case and must identify a single active workflow for each Evaluation API request.		 "bank_account
_validation"
data Object Required Main payload containing business and individual information
→individual.account Object Required Primary identity object containing account information. See individual.account below.
individual.account fields Skip link to [object Object], fields
Field Type Required Description Example
account_number String Required Bank account number to be validated. "92301962561"
routing_number String Required Bank routing number associated with the account. "122199983"
account_inquiries Array of Strings Required Inquiry type specifying the check to perform. Must be set to AVAILABILITY. "AVAILABILITY"

Example request: Account OWNERSHIP Skip link to Example request: Account ,[object Object]

Use these fields when you need to validate the identity of the account holder associated with a bank account.

This schema includes personal details (such as name, date of birth, and contact information) or business details, along with the account information. The account_inquiries field must be set to OWNERSHIP.

JSONcURL

{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "individual": {
      "given_name": "John",
      "family_name": "Smith",
      "date_of_birth": "1958-01-31",
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["OWNERSHIP"]
      }
    }
  }
}

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer YOUR_API_KEY' \
--data-raw '{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "individual": {
      "given_name": "John",
      "family_name": "Smith",
      "date_of_birth": "1958-01-31",
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["OWNERSHIP"]
      }
    }
  }
}'

Request schema Skip link to Request schema

Top-level fields Skip link to Top-level fields
Field Type Required Description Example
id String Required Mandatory identifier set by the customer when initiating a request in RiskOS™. "123456"
timestamp String Required Timestamp when evaluation was initiated "2025-05-18T02:09:25Z"
workflow String Required RiskOS™ workflow name configured in your environment.
Note: The workflow name must be unique within your RiskOS™ environment. It is not scoped by use case and must identify a single active workflow for each Evaluation API request.		 "bank_account_validation"
data Object Required Main payload containing business and individual information See data schema below.
→individual Object Required Primary identity object containing account information. See individual schema below.
individual fields Skip link to [object Object], fields
Field Type Required Description Example
given_name String Required Individual’s first name. "John"
family_name String Required Individual’s last name. "Smith"
national_id String Optional Government-issued identifier (e.g., SSN). "123456789"
date_of_birth String Optional Date of birth in YYYY-MM-DD format. "1958-01-31"
email String Optional Email address associated with the individual. "j.smith@example.com"
phone_number String Optional Phone number in E.164 format. The API expects the standard E.164 format (e.g., +12025550147) but tolerates hyphens and spaces for user convenience. "+13475551234"
address Object Optional Mailing address of the individual. See address schema below.
account Object Required Bank account details for validation. See account schema below.

address Skip link to [object Object]

Field Type Required Description Example
line_1 String Optional Street name and number. "123 Rizal Avenue"
locality String Optional City or locality. "Portland"
major_admin_division String Optional State, province, or region. "OR"
postal_code String Optional Postal or ZIP code. "85142"
country String Optional Two-letter ISO 3166-1 alpha-2 country code. "US"
account fields Skip link to [object Object], fields
Field Type Required Description Example
account_number String Required Bank account number to be validated. "92301962561"
routing_number String Required Bank routing number associated with the account. "122199983"
account_inquiries Array of Strings Required Types of checks to perform. Must include OWNERSHIP. ["OWNERSHIP"]

JSONcURL

{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "business": {
      "name": "Online Gaming Inc",
      "ein": "123456789",
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["OWNERSHIP"]
      }
    }
  }
}

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer YOUR_API_KEY' \
--data-raw '{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "business": {
      "name": "Online Gaming Inc",
      "ein": "123456789",
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["OWNERSHIP"]
      }
    }
  }
}'

Request schema Skip link to Request schema

Top-level fields Skip link to Top-level fields
business fields Skip link to [object Object], fields
Field Type Required Description Example
name String Required Registered legal name of the business. "Online Gaming Inc"
ein String Optional Employer Identification Number (EIN) for the business. "123456789"
phone_number String Optional Business phone number in E.164 format. Hyphens are optional. "+11232313213"
account Object Required Bank account details for validation. See account schema below.
account fields Skip link to [object Object], fields

Example request: Account AVAILABILITY and OWNERSHIP Skip link to Example request: Account ,[object Object], and ,[object Object]

The AVAILABILITY and OWNERSHIP parameters can be combined in any situation where you need to validate both an account's availability and ownership.

JSONcURL

{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "individual": {
      "given_name": "John",
      "family_name": "Smith",
      "national_id": "123456789",
      "date_of_birth": "1958-01-31",
      "email": "j.smith@example.com",
      "phone_number": "+13475551234",
      "address": {
        "line_1": "234 Main Street",
        "line_2": "Apt. 3C",
        "locality": "Jersey City",
        "major_admin_division": "NJ",
        "country": "US",
        "postal_code": "07307"
      },
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["AVAILABILITY", "OWNERSHIP"]
      }
    }
  }
}

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer YOUR_API_KEY' \
--data-raw '{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "individual": {
      "given_name": "John",
      "family_name": "Smith",
      "national_id": "123456789",
      "date_of_birth": "1958-01-31",
      "email": "j.smith@example.com",
      "phone_number": "+13475551234",
      "address": {
        "line_1": "234 Main Street",
        "line_2": "Apt. 3C",
        "locality": "Jersey City",
        "major_admin_division": "NJ",
        "country": "US",
        "postal_code": "07307"
      },
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["AVAILABILITY", "OWNERSHIP"]
      }
    }
  }
}'

JSONcURL

{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "business": {
      "name": "Online Gaming Inc",
      "ein": "123456789",
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["AVAILABILITY", "OWNERSHIP"]
      }
    }
  }
}

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer YOUR_API_KEY' \
--data-raw '{
  "id": "123456",
  "timestamp": "2022-07-28T06:10:54.298Z",
  "workflow": "bank_account_validation",
  "data": {
    "business": {
      "name": "Online Gaming Inc",
      "ein": "123456789",
      "account": {
        "account_number": "92301962561",
        "routing_number": "122199983",
        "account_inquiries": ["AVAILABILITY", "OWNERSHIP"]
      }
    }
  }
}'

Example response Skip link to Example response

When you call the Evaluation API, RiskOS™ returns a JSON payload that includes the final decision, evaluation metadata, and enrichment-specific results.

JSON

{
  "id": "Ananda_AccountIntelligence-1761645455142",
  "workflow": "api_individual_onboarding",
  "workflow_id": "36031914-1edb-4b81-8d80-5d50aa07cead",
  "workflow_version": "179.1.0",
  "eval_source": "API",
  "eval_id": "2b3fb168-2a70-418d-80b7-0c0a9bdff17f",
  "eval_start_time": "2025-10-28T09:57:38.019002347Z",
  "eval_end_time": "2025-10-28T09:57:38.068070735Z",
  "decision": "REJECT",
  "decision_at": "2025-10-28T09:57:38.067908786Z",
  "status": "CLOSED",
  "sub_status": "Decline",
  "tags": [],
  "notes": "",
  "review_queues": [],
  "data_enrichments": [\
    {\
      "enrichment_name": "Socure Account Intelligence",\
      "enrichment_endpoint": "https://sandbox.socure.com/api/3.0/EmailAuthScore",\
      "enrichment_provider": "Socure",\
      "status_code": 200,\
      "request": {\
        "businessPhone": "+11232313213",\
        "city": "Danbury",\
        "country": "US",\
        "countryOfOrigin": "US",\
        "customerUserId": "custom-customer_user_id",\
        "dob": "1958-01-31",\
        "ein": "912355201",\
        "firstName": "Ananda",\
        "mobileNumber": "+1-2037986508",\
        "modules": [\
          "accountintelligence"\
        ],\
        "nationalId": "700-01-3784",\
        "parentTxnId": "2b3fb168-2a70-418d-80b7-0c0a9bdff17f",\
        "payments": {\
          "account": {\
            "accountNumber": "92301962141",\
            "inquiries": [\
              "AVAILABILITY",\
              "OWNERSHIP"\
            ],\
            "routingNumber": "122199983"\
          }\
        },\
        "physicalAddress": "2 Moran Ave",\
        "physicalAddress2": "Address Line 2",\
        "riskOSId": "Ananda_AccountIntelligence-1761645455142",\
        "state": "CT",\
        "surName": "test",\
        "userId": "data-individual-id",\
        "workflow": "api_individual_onboarding",\
        "zip": "068100000"\
      },\
      "response": {\
        "accountIntelligence": {\
          "account": {\
            "availabilityScore": 0.49,\
            "ownershipScore": 0.49,\
            "accountStatus": "OPEN"\
          },\
          "reasonCodes": []\
        },\
        "customerProfile": {\
          "customerUserId": "custom-customer_user_id",\
          "userId": "data-individual-id"\
        },\
        "referenceId": "9acd0778-5ee5-48c2-b2e9-9a7a141d887f"\
      },\
      "is_source_cache": false,\
      "total_attempts": 1\
    }\
  ],
  "computed": {
    "CONDITION": false,
    "socure_accountintelligence_response": {
      "__third_party_name__": "Socure Account Intelligence PROD SBX",
      "accountIntelligence": {
        "account": {
          "availabilityScore": 0.49,
          "ownershipScore": 0.49,
          "accountStatus": "OPEN"
        },
        "reasonCodes": []
      },
      "customerProfile": {
        "customerUserId": "custom-customer_user_id",
        "userId": "data-individual-id"
      },
      "referenceId": "9acd0778-5ee5-48c2-b2e9-9a7a141d887f"
    }
  },
  "eval_status": "evaluation_completed",
  "environment_name": "Sandbox"
}

Key response fields Skip link to Key response fields

RiskOS™ returns a consistent set of top-level fields that describe the outcome of an evaluation, along with enrichment-specific results that depend on your workflow configuration.

Where to find specific results Skip link to Where to find specific results

Area Fields How to use it
Decision and routing decision, decision_at, tags, review_queues, notes, score Primary control signals. Branch application logic using decision. Use tags, queues, notes, and score for secondary routing, review, and explanation.
Module results Module-specific fields (for example: reasonCodes, scores, extracted attributes) Evidence and signals produced by workflow modules. Use for escalation, compliance review, investigation, and audit.
Identifiers and traceability id, eval_id Persist these identifiers to correlate API calls, logs, webhooks, GET requests, and support cases.
Enrichment execution data_enrichments[] (response, status_code, total_attempts, is_source_cache) Inspect enrichment outputs and detect provisioning issues, partial failures, retries, or cached responses.
Workflow context workflow, workflow_id, workflow_version Understand which workflow ran and which version produced the result. Useful for debugging and historical analysis.
Evaluation lifecycle eval_status, status, sub_status Execution and case state only. Useful for monitoring and asynchronous workflows. Do not use for business decisions.
Execution context eval_source, eval_start_time, eval_end_time, environment_name Observability and performance metadata for latency tracking, environment validation, and API vs Dashboard attribution.

Decision and routing (primary control signals) Skip link to Decision and routing (primary control signals)

Use these fields to determine what action your application should take.

decision values are workflow-specific and may differ from the examples shown in this guide.

Field Type Description Example
decision String enum Final evaluation result.
Possible values:
• ACCEPT
• REVIEW
• REJECT
Note: The fields returned can be customized to fit your integration or business needs.		 "REJECT"
decision_at String <Date-Time> RFC 3339 timestamp when the decision was finalized. "2024-12-02T10:29:10.999Z"
score Number If configured for a workflow, provides an aggregate score of all steps. This can be used for risk banding, additional routing, or analytics alongside the primary decision value. -76
tags Array of Strings Array of labels applied during the workflow to highlight routing choices, notable signals, or rule outcomes. Useful for reporting, segmentation, or UI highlighting in the RiskOS™ Dashboard. ["account ta", "high risk"]
review_queues Array of Strings Lists any manual review queues the evaluation was sent to. Empty when the case is fully auto-resolved without human review. []
notes String Freeform text field for analyst or system comments about the evaluation. Often used to capture manual review rationale or investigation context. ""

Evaluation lifecycle and status Skip link to Evaluation lifecycle and status

These fields describe where the evaluation is in its lifecycle and are useful for monitoring and asynchronous workflows.

Field Type Description Example
eval_status String (enum) Indicates the current state of an evaluation in RiskOS™.
Possible values:
• evaluation_completed
• evaluation_paused
• evaluation_in_progress		 "evaluation_completed"
status String (enum) Indicates the current state of an evaluation or case.
Possible values:
• OPEN
• CLOSED		 "CLOSED"
sub_status String Provides additional detail about the evaluation status.
Example values:
• Under Review
• Pending Verification
• Accept
• Reject		 "Reject"

Identifiers and traceability Skip link to Identifiers and traceability

Use these fields to correlate requests, logs, webhooks, and support cases.

Field Type Description Example
id String (UUID or custom string) Your evaluation identifier within RiskOS™.
Note: This is customer-generated.		 "ato-78901"
eval_id String (UUID) RiskOS™-generated unique identifier for the evaluation. "6dc8f39c-ecc3-4fe0-9283-fc8e5f99e816"
workflow String Name of the workflow executed. "account_takeover"
workflow_id String (UUID) Unique identifier for the workflow run. "472288ff-b3a8-4e69-89dd-069d5e2bcb41"
workflow_version String Version of the executed workflow. "3.7.0"

Execution context Skip link to Execution context

These fields provide timing and environment context for the evaluation.

Field Type Description Example
eval_source String enum Indicates where the evaluation was initiated from.
Possible values:
• API: Request submitted via the Evaluation API.
• Dashboard: Case created or evaluated through the RiskOS™ Dashboard.		 "API"
eval_start_time String <Date-Time> RFC 3339 timestamp for when RiskOS™ started processing the evaluation. Useful for latency and performance monitoring. "2024-12-02T10:28:24.456771162Z"
eval_end_time String <Date-Time> RFC 3339 timestamp for when RiskOS™ finished processing the evaluation. Can be paired with eval_start_time to compute total processing time. "2024-12-02T10:29:10.999Z"
environment_name String Indicates which environment the evaluation ran in. Typically Sandbox for testing or Production for live traffic. "Sandbox"

Enrichment results Skip link to Enrichment results

Enrichment outputs are returned in the data_enrichments array.

Field Type Description Example
enrichment_name String Name of the module or service executed (e.g., Digital Intelligence, Verify Plus, Sigma Synthetic). "Socure Account Intelligence"
enrichment_endpoint String API endpoint that processed the enrichment. "https://sandbox.socure.com/
api/3.0/EmailAuthScore"
enrichment_provider String Provider of the enrichment service (Socure, RestAPI, etc.). "Socure"
status_code Integer HTTP status returned by the enrichment API call. 200
request Object Request payload sent to the enrichment service. See request schema below.
response Object Normalized response data from the enrichment service. See response schema below.
error String Populated only if the enrichment encountered an error.
is_source_cache Boolean Indicates whether cached data was used instead of a live API call. false
total_attempts Integer Number of attempts made to retrieve the enrichment data. 1

request fields Skip link to [object Object], fields

Field Type Description Example
modules Array of Strings Product modules to run. For Account Intelligence, include "accountintelligence". ["accountintelligence"]
country String Country code in ISO 3166-1 alpha-2 format. "US"
countryOfOrigin String Country of origin code in ISO 3166-1 alpha-2 format. "US"
firstName String First name of the individual account holder. "Ananda"
surName String Last name (surname) of the individual account holder. "test"
dob String (YYYY-MM-DD) Date of birth of the individual account holder. "1958-01-31"
nationalId String Government-issued identifier (e.g., SSN or national ID). "700-01-3784"
ein String Employer Identification Number (EIN), if applicable. "912355201"
physicalAddress String Address line 1 (street address). "2 Moran Ave"
physicalAddress2 String Address line 2 (apt/suite/unit). "Address Line 2"
city String City of the account holder. "Danbury"
state String State, province, or region. "CT"
zip String Postal code (ZIP code). "068100000"
mobileNumber String Mobile phone number (typically E.164). "+1-2037986508"
businessPhone String Business phone number (typically E.164). "+11232313213"
customerUserId String Customer-provided identifier for the end user. "custom-customer_user_id"
userId String Customer-provided identifier for the individual (often internal user key). "data-individual-id"
workflow String Workflow name that initiated the enrichment. "api_individual_onboarding"
riskOSId String RiskOS™ workflow execution identifier. "Ananda_AccountIntelligence-1761645455142"
parentTxnId String (UUID) Parent transaction/evaluation ID for correlation. "2b3fb168-2a70-418d-80b7-0c0a9bdff17f"
payments.account.accountNumber String Bank account number to be evaluated. "92301962141"
payments.account.routingNumber String Bank routing number associated with the account. "122199983"
payments.account.inquiries Array of Strings Inquiry types to be performed for the bank account. ["AVAILABILITY","OWNERSHIP"]

response fields Skip link to [object Object], fields

Field Type Description Example
referenceId String (UUID) Unique identifier assigned to the enrichment call result. "9acd0778-5ee5-48c2-b2e9-9a7a141d887f"
accountIntelligence Object Results from Account Intelligence evaluation. Contains account, reasonCodes.
accountIntelligence.account.availabilityScore Number Likelihood (0.0 to 1.0) that the bank account is currently open and active. 0.49
accountIntelligence.account.ownershipScore Number Probability (0.0 to 1.0) that the provided PII matches the true account holder. 0.49
accountIntelligence.account.accountStatus String (enum) Current operational status of the account. Possible values: OPEN, CLOSED, PENDING, INVALID. "OPEN"
accountIntelligence.reasonCodes Array of Strings Codes providing context for the scores. ["I334"]
customerProfile Object Echoed customer identifiers associated with the request.

Sandbox test cases Skip link to Sandbox test cases

You can simulate almost any identity scenario using our Test Personas JSON file. Each entry includes a realistic, sandbox-only identity and a ready-to-use API request payload. Many entries also include the expected response to help you validate your /api/evaluation integration before going live.

Test cases - Happy path Skip link to Test cases - Happy path

Test case 1: Verify the availability and ownership of a consumer account Skip link to Test case 1: Verify the availability and ownership of a consumer account

API requestAPI response

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'accept: application/json' \
--header 'X-API-Version: 2025-01-01.orion' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer YOUR_API_KEY' \
--data '{
    "id": "Ananda_AccountIntelligence-1761645455142",
    "timestamp": "2025-10-28T09:57:38.019002347Z",
    "workflow": "api_individual_onboarding",
    "data": {
        "line_of_business": "test1",
        "channel": "mobile",
        "individual": {
            "additional_context": {
            },
             "account": {
                "account_number": "92301962141",
                "routing_number": "122199983",
                "account_inquiries": [\
                    "AVAILABILITY",\
                    "OWNERSHIP"\
                ]
            },
            "id": "data-individual-id",
            "given_name": "Ananda",
            "family_name": "test",
            "date_of_birth": "1958-01-31",
            "national_id": "700-01-3784",
            "phone_number": "+1-2037986508",
            "address": {
                "type": "HOME",
                "line_1": "2 Moran Ave",
                "line_2": "Address Line 2",
                "locality": "Danbury",
                "major_admin_division": "CT",
                "country": "US",
                "postal_code": "068100000"
            }
        },
        "custom": {
            "customer_user_id":"custom-customer_user_id",
            "country_of_origin": "US"
        },
        "business": {
            "ein":"912355201",
            "phone_number":"+11232313213"
        }
    }
}'

Test case 2: Verify the availability and ownership of a business account Skip link to Test case 2: Verify the availability and ownership of a business account

API requestAPI response

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'accept: application/json' \
--header 'X-API-Version: 2025-01-01.orion' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer YOUR_API_KEY' \
--data '{
    "id": "Ananda_AccountIntelligence-1761645406795",
    "timestamp": "2025-10-28T09:56:48.268221402Z",
    "workflow": "api_individual_onboarding",
    "data": {
        "line_of_business": "test1",
        "channel": "mobile",
        "individual": {
            "additional_context": {
                "entity_name": "sdfd"
            },
             "account": {
                "account_number": "92301962141",
                "routing_number": "122199983",
                "account_inquiries": [\
                      "AVAILABILITY",\
                    "OWNERSHIP"\
                ]
            },
            "id": "data-individual-id",
            "date_of_birth": "1958-01-31",
            "national_id": "700-01-3784",
            "phone_number": "2037986508",
            "address": {
                "type": "HOME",
                "line_1": "2 Moran Ave",
                "line_2": "Address Line 2",
                "locality": "Danbury",
                "major_admin_division": "CT",
                "country": "US",
                "postal_code": "068100000"
            }
        },
        "custom": {
            "customer_user_id":"custom-customer_user_id",
            "country_of_origin": "US"
        },
        "business": {
            "ein":"912355201",
            "phone_number":"+11232313213"
        }
    }
}'

{
    "id": "Ananda_AccountIntelligence-1761645406795",
    "workflow": "api_individual_onboarding",
    "workflow_id": "36031914-1edb-4b81-8d80-5d50aa07cead",
    "workflow_version": "179.1.0",
    "eval_source": "API",
    "eval_id": "bee41fc8-347a-423d-aaff-58e385358090",
    "eval_start_time": "2025-10-28T09:56:48.268221402Z",
    "eval_end_time": "2025-10-28T09:56:48.503153007Z",
    "decision": "REJECT",
    "decision_at": "2025-10-28T09:56:48.503043807Z",
    "status": "CLOSED",
    "sub_status": "Decline",
    "tags": [],
    "notes": "",
    "review_queues": [],
    "data_enrichments": [\
        {\
            "enrichment_name": "Socure Account Intelligence PROD SBX",\
            "enrichment_endpoint": "https://sandbox.socure.com/api/3.0/EmailAuthScore",\
            "enrichment_provider": "Socure",\
            "status_code": 200,\
            "request": {\
                "businessPhone": "+11232313213",\
                "city": "Danbury",\
                "country": "US",\
                "countryOfOrigin": "US",\
                "customerUserId": "custom-customer_user_id",\
                "dob": "1958-01-31",\
                "ein": "912355201",\
                "entityName": "sdfd",\
                "mobileNumber": "2037986508",\
                "modules": [\
                    "accountintelligence"\
                ],\
                "nationalId": "700-01-3784",\
                "parentTxnId": "bee41fc8-347a-423d-aaff-58e385358090",\
                "payments": {\
                    "account": {\
                        "accountNumber": "92301962141",\
                        "inquiries": [\
                            "AVAILABILITY",\
                            "OWNERSHIP"\
                        ],\
                        "routingNumber": "122199983"\
                    }\
                },\
                "physicalAddress": "2 Moran Ave",\
                "physicalAddress2": "Address Line 2",\
                "riskOSId": "Ananda_AccountIntelligence-1761645406795",\
                "state": "CT",\
                "userId": "data-individual-id",\
                "workflow": "api_individual_onboarding",\
                "zip": "068100000"\
            },\
            "response": {\
                "accountIntelligence": {\
                    "account": {\
                        "availabilityScore": 0.49,\
                        "ownershipScore": 0.49,\
                        "accountStatus": "OPEN"\
                    },\
                    "reasonCodes": []\
                },\
                "customerProfile": {\
                    "customerUserId": "custom-customer_user_id",\
                    "userId": "data-individual-id"\
                },\
                "referenceId": "fb0395e6-30b9-4c38-9db0-24d3ddb062e4"\
            },\
            "is_source_cache": false,\
            "total_attempts": 1\
        }\
    ],
    "computed": {
        "CONDITION": false,
        "socure_accountintelligence_response": {
            "__third_party_name__": "Socure Account Intelligence PROD SBX",
            "accountIntelligence": {
                "account": {
                    "availabilityScore": 0.49,
                    "ownershipScore": 0.49,
                    "accountStatus": "OPEN"
                },
                "reasonCodes": []
            },
            "customerProfile": {
                "customerUserId": "custom-customer_user_id",
                "userId": "data-individual-id"
            },
            "referenceId": "fb0395e6-30b9-4c38-9db0-24d3ddb062e4"
        }
    },
    "eval_status": "evaluation_completed",
    "environment_name": "Sandbox"
}

Test cases - Unhappy path Skip link to Test cases - Unhappy path

Test case 3: Invalid account number Skip link to Test case 3: Invalid account number

API requestAPI response

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'accept: application/json' \
--header 'X-API-Version: 2025-01-01.orion' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer YOUR_API_KEY' \
--data '{
    "id": "Ananda_AccountIntelligence-1761645502459",
    "timestamp": "2025-10-28T09:58:25.594488111Z",
    "workflow": "api_individual_onboarding",
    "data": {
        "line_of_business": "test1",
        "channel": "mobile",
        "individual": {
            "additional_context": {

},
             "account": {
                "account_number": "923019621s41",
                "routing_number": "122199983",
                "account_inquiries": [\
                    "AVAILABILITY",\
                    "OWNERSHIP"\
                ]
            },
            "id": "data-individual-id",
            "given_name": "Ananda",
            "family_name": "test",
            "date_of_birth": "1958-01-31",
            "national_id": "700-01-3784",
            "phone_number": "+1-2037986508",
            "address": {
                "type": "HOME",
                "line_1": "2 Moran Ave",
                "line_2": "Address Line 2",
                "locality": "Danbury",
                "major_admin_division": "CT",
                "country": "US",
                "postal_code": "068100000"
            }
        },
        "custom": {
            "customer_user_id":"custom-customer_user_id",
            "country_of_origin": "US"
        },
        "business": {
            "ein":"912355201",
            "phone_number":"+11232313213"
        }
    }
}'

{
    "id": "Ananda_AccountIntelligence-1761645502459",
    "workflow": "api_individual_onboarding",
    "workflow_id": "36031914-1edb-4b81-8d80-5d50aa07cead",
    "workflow_version": "179.1.0",
    "eval_source": "API",
    "eval_id": "3e4545bf-9914-4fb3-9076-45399e84df7a",
    "eval_start_time": "2025-10-28T09:58:25.594488111Z",
    "eval_end_time": "2025-10-28T09:58:25.675160519Z",
    "decision": "REJECT",
    "decision_at": "2025-10-28T09:58:25.675015459Z",
    "status": "CLOSED",
    "sub_status": "Decline",
    "tags": [],
    "notes": "",
    "review_queues": [],
    "data_enrichments": [\
        {\
            "enrichment_name": "Socure Account Intelligence PROD SBX",\
            "enrichment_endpoint": "https://sandbox.socure.com/api/3.0/EmailAuthScore",\
            "enrichment_provider": "Socure",\
            "status_code": 400,\
            "request": {\
                "businessPhone": "+11232313213",\
                "city": "Danbury",\
                "country": "US",\
                "countryOfOrigin": "US",\
                "customerUserId": "custom-customer_user_id",\
                "dob": "1958-01-31",\
                "ein": "912355201",\
                "firstName": "Ananda",\
                "mobileNumber": "+1-2037986508",\
                "modules": [\
                    "accountintelligence"\
                ],\
                "nationalId": "700-01-3784",\
                "parentTxnId": "3e4545bf-9914-4fb3-9076-45399e84df7a",\
                "payments": {\
                    "account": {\
                        "accountNumber": "923019621s41",\
                        "inquiries": [\
                            "AVAILABILITY",\
                            "OWNERSHIP"\
                        ],\
                        "routingNumber": "122199983"\
                    }\
                },\
                "physicalAddress": "2 Moran Ave",\
                "physicalAddress2": "Address Line 2",\
                "riskOSId": "Ananda_AccountIntelligence-1761645502459",\
                "state": "CT",\
                "surName": "test",\
                "userId": "data-individual-id",\
                "workflow": "api_individual_onboarding",\
                "zip": "068100000"\
            },\
            "response": {\
                "response": "{\"status\":\"Error\",\"referenceId\":\"69bd01bf-1048-4d7e-b9a1-5833fc7caa53\",\"data\":{\"parameters\":[\"Invalid account number. Please resubmit the transaction using proper account number\"]},\"customerProfile\":{\"customerUserId\":\"custom-customer_user_id\",\"userId\":\"data-individual-id\"},\"msg\":\"Invalid account number. Please resubmit the transaction using proper account number\"}"\
            },\
            "is_source_cache": false,\
            "total_attempts": 1\
        }\
    ],
    "computed": {
        "CONDITION": false,
        "socure_accountintelligence_error": {
            "error_code": "EXTERNAL_ERROR",
            "error_msg": "{\"status\":\"Error\",\"referenceId\":\"69bd01bf-1048-4d7e-b9a1-5833fc7caa53\",\"data\":{\"parameters\":[\"Invalid account number. Please resubmit the transaction using proper account number\"]},\"customerProfile\":{\"customerUserId\":\"custom-customer_user_id\",\"userId\":\"data-individual-id\"},\"msg\":\"Invalid account number. Please resubmit the transaction using proper account number\"}",
            "http_status": 400,
            "is_retryable": false
        }
    },
    "eval_status": "evaluation_completed",
    "environment_name": "Sandbox"
}

Test case 4: Invalid routing number Skip link to Test case 4: Invalid routing number

API requestAPI response

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'accept: application/json' \
--header 'X-API-Version: 2025-01-01.orion' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer YOUR_API_KEY' \
--data '{
    "id": "Ananda_AccountIntelligence-1761645548228",
    "timestamp": "2025-10-28T09:59:11.141214973Z",
    "workflow": "api_individual_onboarding",
    "data": {
        "line_of_business": "test1",
        "channel": "mobile",
        "individual": {
            "additional_context": {

},
             "account": {
                "account_number": "92301962141",
                "routing_number": "12219t9983",
                "account_inquiries": [\
                    "AVAILABILITY",\
                    "OWNERSHIP"\
                ]
            },
            "id": "data-individual-id",
            "given_name": "Ananda",
            "family_name": "test",
            "date_of_birth": "1958-01-31",
            "national_id": "700-01-3784",
            "phone_number": "+1-2037986508",
            "address": {
                "type": "HOME",
                "line_1": "2 Moran Ave",
                "line_2": "Address Line 2",
                "locality": "Danbury",
                "major_admin_division": "CT",
                "country": "US",
                "postal_code": "068100000"
            }
        },
        "custom": {
            "customer_user_id":"custom-customer_user_id",
            "country_of_origin": "US"
        },
        "business": {
            "ein":"912355201",
            "phone_number":"+11232313213"
        }
    }
}'

{
    "id": "Ananda_AccountIntelligence-1761645548228",
    "workflow": "api_individual_onboarding",
    "workflow_id": "36031914-1edb-4b81-8d80-5d50aa07cead",
    "workflow_version": "179.1.0",
    "eval_source": "API",
    "eval_id": "3f3cb465-574d-4341-8d20-89f96bfe01ed",
    "eval_start_time": "2025-10-28T09:59:11.141214973Z",
    "eval_end_time": "2025-10-28T09:59:11.170252912Z",
    "decision": "REJECT",
    "decision_at": "2025-10-28T09:59:11.170122862Z",
    "status": "CLOSED",
    "sub_status": "Decline",
    "tags": [],
    "notes": "",
    "review_queues": [],
    "data_enrichments": [\
        {\
            "enrichment_name": "Socure Account Intelligence PROD SBX",\
            "enrichment_endpoint": "https://sandbox.socure.com/api/3.0/EmailAuthScore",\
            "enrichment_provider": "Socure",\
            "status_code": 400,\
            "request": {\
                "businessPhone": "+11232313213",\
                "city": "Danbury",\
                "country": "US",\
                "countryOfOrigin": "US",\
                "customerUserId": "custom-customer_user_id",\
                "dob": "1958-01-31",\
                "ein": "912355201",\
                "firstName": "Ananda",\
                "mobileNumber": "+1-2037986508",\
                "modules": [\
                    "accountintelligence"\
                ],\
                "nationalId": "700-01-3784",\
                "parentTxnId": "3f3cb465-574d-4341-8d20-89f96bfe01ed",\
                "payments": {\
                    "account": {\
                        "accountNumber": "92301962141",\
                        "inquiries": [\
                            "AVAILABILITY",\
                            "OWNERSHIP"\
                        ],\
                        "routingNumber": "12219t9983"\
                    }\
                },\
                "physicalAddress": "2 Moran Ave",\
                "physicalAddress2": "Address Line 2",\
                "riskOSId": "Ananda_AccountIntelligence-1761645548228",\
                "state": "CT",\
                "surName": "test",\
                "userId": "data-individual-id",\
                "workflow": "api_individual_onboarding",\
                "zip": "068100000"\
            },\
            "response": {\
                "response": "{\"status\":\"Error\",\"referenceId\":\"5d6f845e-9ee4-4779-a67c-f7c535fd6a25\",\"data\":{\"parameters\":[\"Invalid routing number. Please resubmit the transaction using proper routing number\"]},\"customerProfile\":{\"customerUserId\":\"custom-customer_user_id\",\"userId\":\"data-individual-id\"},\"msg\":\"Invalid routing number. Please resubmit the transaction using proper routing number\"}"\
            },\
            "is_source_cache": false,\
            "total_attempts": 1\
        }\
    ],
    "computed": {
        "CONDITION": false,
        "socure_accountintelligence_error": {
            "error_code": "EXTERNAL_ERROR",
            "error_msg": "{\"status\":\"Error\",\"referenceId\":\"5d6f845e-9ee4-4779-a67c-f7c535fd6a25\",\"data\":{\"parameters\":[\"Invalid routing number. Please resubmit the transaction using proper routing number\"]},\"customerProfile\":{\"customerUserId\":\"custom-customer_user_id\",\"userId\":\"data-individual-id\"},\"msg\":\"Invalid routing number. Please resubmit the transaction using proper routing number\"}",
            "http_status": 400,
            "is_retryable": false
        }
    },
    "eval_status": "evaluation_completed",
    "environment_name": "Sandbox"
}

Test case 5: IInvalid phone number Skip link to Test case 5: IInvalid phone number

API requestAPI response

curl --location 'https://riskos.sandbox.socure.com/api/evaluation' \
--header 'accept: application/json' \
--header 'X-API-Version: 2025-01-01.orion' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer YOUR_API_KEY' \
--data '{
    "id": "Ananda_AccountIntelligence-1761645592583",
    "timestamp": "2025-10-28T09:59:56.077836199Z",
    "workflow": "api_individual_onboarding",
    "data": {
        "line_of_business": "test1",
        "channel": "mobile",
        "individual": {
            "additional_context": {

},
             "account": {
                "account_number": "92301962141",
                "routing_number": "122199983",
                "account_inquiries": [\
                    "AVAILABILITY",\
                    "OWNERSHIP"\
                ]
            },
            "id": "data-individual-id",
            "given_name": "Ananda",
            "family_name": "test",
            "date_of_birth": "1958-01-31",
            "national_id": "700-01-3784",
            "phone_number": "+1-203127986508",
            "address": {
                "type": "HOME",
                "line_1": "2 Moran Ave",
                "line_2": "Address Line 2",
                "locality": "Danbury",
                "major_admin_division": "CT",
                "country": "US",
                "postal_code": "068100000"
            }
        },
        "custom": {
            "customer_user_id":"custom-customer_user_id",
            "country_of_origin": "US"
        },
        "business": {
            "ein":"912355201",
            "phone_number":"+11232313213"
        }
    }
}'

{
    "id": "Ananda_AccountIntelligence-1761645592583",
    "workflow": "api_individual_onboarding",
    "workflow_id": "36031914-1edb-4b81-8d80-5d50aa07cead",
    "workflow_version": "179.1.0",
    "eval_source": "API",
    "eval_id": "bd472d6f-b4c1-46ff-95ca-0ab44d65351b",
    "eval_start_time": "2025-10-28T09:59:56.077836199Z",
    "eval_end_time": "2025-10-28T09:59:56.138004338Z",
    "decision": "REJECT",
    "decision_at": "2025-10-28T09:59:56.137846578Z",
    "status": "CLOSED",
    "sub_status": "Decline",
    "tags": [],
    "notes": "",
    "review_queues": [],
    "data_enrichments": [\
        {\
            "enrichment_name": "Socure Account Intelligence PROD SBX",\
            "enrichment_endpoint": "https://sandbox.socure.com/api/3.0/EmailAuthScore",\
            "enrichment_provider": "Socure",\
            "status_code": 400,\
            "request": {\
                "businessPhone": "+11232313213",\
                "city": "Danbury",\
                "country": "US",\
                "countryOfOrigin": "US",\
                "customerUserId": "custom-customer_user_id",\
                "dob": "1958-01-31",\
                "ein": "912355201",\
                "firstName": "Ananda",\
                "mobileNumber": "+1-203127986508",\
                "modules": [\
                    "accountintelligence"\
                ],\
                "nationalId": "700-01-3784",\
                "parentTxnId": "bd472d6f-b4c1-46ff-95ca-0ab44d65351b",\
                "payments": {\
                    "account": {\
                        "accountNumber": "92301962141",\
                        "inquiries": [\
                            "AVAILABILITY",\
                            "OWNERSHIP"\
                        ],\
                        "routingNumber": "122199983"\
                    }\
                },\
                "physicalAddress": "2 Moran Ave",\
                "physicalAddress2": "Address Line 2",\
                "riskOSId": "Ananda_AccountIntelligence-1761645592583",\
                "state": "CT",\
                "surName": "test",\
                "userId": "data-individual-id",\
                "workflow": "api_individual_onboarding",\
                "zip": "068100000"\
            },\
            "response": {\
                "response": "{\"status\":\"Error\",\"referenceId\":\"b8e2c3fb-934c-4a39-bc23-6221da6d5229\",\"data\":{\"parameters\":[\"Invalid phone number. Please resubmit the transaction using a phone number conforming to E.164 format.\"]},\"customerProfile\":{\"customerUserId\":\"custom-customer_user_id\",\"userId\":\"data-individual-id\"},\"msg\":\"Invalid phone number. Please resubmit the transaction using a phone number conforming to E.164 format.\"}"\
            },\
            "is_source_cache": false,\
            "total_attempts": 1\
        }\
    ],
    "computed": {
        "CONDITION": false,
        "socure_accountintelligence_error": {
            "error_code": "EXTERNAL_ERROR",
            "error_msg": "{\"status\":\"Error\",\"referenceId\":\"b8e2c3fb-934c-4a39-bc23-6221da6d5229\",\"data\":{\"parameters\":[\"Invalid phone number. Please resubmit the transaction using a phone number conforming to E.164 format.\"]},\"customerProfile\":{\"customerUserId\":\"custom-customer_user_id\",\"userId\":\"data-individual-id\"},\"msg\":\"Invalid phone number. Please resubmit the transaction using a phone number conforming to E.164 format.\"}",
            "http_status": 400,
            "is_retryable": false
        }
    },
    "eval_status": "evaluation_completed",
    "environment_name": "Sandbox"
}

Best practices for integration and maintenance Skip link to Best practices for integration and maintenance

Validation checklist Skip link to Validation checklist

Test coverage Skip link to Test coverage

Known good identities → ACCEPT

Bad or mismatched identities → REJECT or REVIEW

Edge cases logged and reviewed

Schema and error handling Skip link to Schema and error handling

Fields match schema across environments

Errors are structured and retryable

Use exponential fallback with jitter for resubmissions

Logging and observability Skip link to Logging and observability

Log full request and response

Include correlation IDs

Redact secrets from logs

Exception routing Skip link to Exception routing

Escalation paths defined for REVIEW

Support team has access to logs and scores

Updated 14 days ago

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