Crosscheck guide

What is Crosscheck? 

Crosscheck is a data verification service that checks the following pieces of information against several proprietary data sources:

• Full Name
• Address
• Phone Number
• Email Address
• IP Address

Submitting a Crosscheck job

There are two ways to submit a Crosscheck job:

1. Use Crosscheck as an add-on to IDV
2. Use Crosscheck as a standalone data check 

1. Use Crosscheck as an add-on to IDV:

With this method, the user goes through the regular ID verification process where they'll submit a photo of their ID and selfie. We recommend including these data fields:

• First Name - add the firstName parameter in the request.
• Last Name - add the lastName parameter in the request.
• Phone Number - add the phone parameter in the request.
• Email Address - add the email parameter in the request.
• Address - automatically extracted from the ID.
• IP Address - automatically detected when the job is submitted.

Submitting the parameters 

• If you're using Vouched Now, be sure to fill out all the required fields on the Candidates page.
• If you're using the JS Plugin, these parameters can be added to the verification object of the JavaScript code. 
• If you're using the Send Invite API, these parameters can be included in the body of the API request.
• If you're using a different integration method, please reach out to Vouched Support for more information.

2. Use Crosscheck as a standalone data check

Crosscheck is also available as a standalone data check. When this method is used, the candidate's data is submitted to the Crosscheck API endpoint. 

Crosscheck results

To view a job's Crosscheck results, open the job in the Vouched Dashboard and click on the Crosscheck tab. The main result field is the Identity Score, which is a number that ranges from 0 (worst) to 1 (best). 

Crosscheck results are also available via the Find Jobs API and via webhook. In the API response, the crosscheck details can be found under the result.crosscheck object. The main Identity Score can be found under the result.crosscheck.confidences.identity field.

JSON example

"crosscheck": { "gender": { "man": 3.271, "woman": 0.012 }, "darkWeb": null, "address": { "errors": [], "warnings": [], "isMatch": true, "isValid": true, "name": "John W Smith", "type": "multi-unit", "isForwarder": false, "isCommercial": false }, "email": { "errors": [ { "type": "NameMatchError", "message": "Name match score is below the threshold (0.9)" } ], "warnings": [], "isMatch": false, "isValid": true, "name": null, "ageRange": null, "isAutoGenerated": false, "isDisposable": false, "daysFirstSeen": 992 }, "phone": { "errors": [], "warnings": [], "isMatch": true, "isValid": true, "name": "Mr. John W Smith", "ageRange": null, "carrier": "AT&T", "type": "mobile", "isPrepaid": false, "isDisposable": false, "isCommercial": true }, "ageRange": { "to": 50, "from": 48 }, "confidences": { "identity": 0.73, "activity": 0.058, "darkweb": null } }

Default Crosscheck threshold

The default Crosscheck Identity Score threshold is 0.9.

What does this mean? For any IDV job with Crosscheck enabled, a warning with an orange pause icon will be displayed if the Identity Score is below 0.9. The job will not be rejected if the Crosscheck score falls below the threshold.

For Crosscheck standalone jobs, Vouched does not provide a pass, fail, or warning status. Only the Identity Score itself is returned.  

The Identity Score gets calculated based on the results of the following checks:

Address

• Is the address real and valid?
• Does the address match the candidate's name in the Crosscheck database?

Email

• Is the email address real and valid?
• Does the email address match the candidate's name in the Crosscheck database?

Phone

• Is the phone number real and valid?
• Does the phone number match the candidate's name in the Crosscheck database?

IP address

• Is the IP address valid and is it using a VPN?
• How far away is the IP address from the address on the ID?

If any of the data elements do not match, or are not valid, the Identity Score is lowered.

If Dark Web is enabled, the Dark Web results will be displayed at the bottom of the Crosscheck tab.  Learn more about Dark Web here.