Connect API

Passive Authentication

Passive Authentication is a multi-layered identity verification process for both renters and landlords for rental housing. The process employs device intelligence to identify potential imposters seeking access to consumer data and provides step-up identification through OTP (One Time Passcode) and KBA (Knowledge Based Authentication).

How to get it?

We have offered 6 new endpoints in ConnectAPI V3 version for passive authentication and re-authentication.

Passive Authentication new endpoints :

v3/passive/user
v3/passive/user/otp
v3/passive/user/answers

Passive Re-Authentication new endpoints :

/v3/passive/auth/{userToken}
/v3/passive/auth/otp/{userToken}
/v3/passive/auth/answers/{userToken}

More Information

Input Fields

Attributes	Required?	Acceptable Format	Max Length	Comments
First Name	Yes	A-Za-z and - (no spaces )	32	String ,max length is 32
Middle Name	No	A-Za-z and - (no spaces )	32	String ,max length is 32
Last Name	Yes	A-Za-z and - (no spaces )	32	String ,max length is 32
SSN	Optional but encouraged.	9 or 11 digits (optional – between digits in AAA-GG-SSSS format)	9 or 11	Only numbers with out space or special characters. The API now supports both SSN and ITIN for ID Verification purposes.
DOB	No	8 digits only (no -) MMDDYYY	8	MMDDYYYY format. Example 04201964
Current Address	Yes	A-Za-z0-9, space, and # ( no commas )	60	Street address, PO Box, Route Number
Current City	Yes	A-Za-z, space ( no commas )	38	City name
Current State	Yes	Two character state abbreviation	2	State code , max length is 2
Current Zip	Yes	5 or 9 digits zip only (no -)	5 or 9	Only numbers and no space or special characters allowed .Max length is 9
Phonenumber	No	a-zA-Z0-9,(,),and - ( no commas )	Min 10 Max 13	Only numbers. Min length is 10 and max length is 13. A valid cellphone number is required in order to sent a one time passcode text message Recommended format is 10 digits without US country code
PhoneType	No	'B', 'C', 'F', 'I', 'P', 'R', 'T'	1	Telephone number type: ‘B’- Business, ‘P’- Pager, ‘C’- Cellular, ‘R’- Residential, ‘F’- Fax, ‘T’- Pay Phone, ‘I’- Institution
jscPayload	Yes	Fraud team will provide details about this field.		Fraud team will provide details about this field.
hdimPayload	No	Fraud team will provide details about this field.		Fraud team will provide details about this field.
Email	No	Standard Email Address	50
Previous address	No / Recommended if current address <6 months	A-Za-z0-9, space, and # ( no commas )	60	Previous Address - Street address, PO Box, Route Number
Previous city	No / Recommended if current address <6 months	A-Za-z, space ( no commas )	38	Previous Address - City name
Previous state	No / Recommended if current address <6 months	Two character state abbreviation	2	Previous Address - State code
Previous zip	No / Recommended if current address <6 months	5 or 9 digits zip only (no -)	5 or 9	Previous Address - ZIP code
User ID	No	A-Za-z0-9 and -	60	Reserver for future use
IP address	Yes	IPv4 and IPv6 are supported
Generation	No	'JR', 'SR', 'II', '2', 'III', '3', 'IV', '4', 'V', '5', 'VI', '6', 'VII', '7', 'VIII', '8', 'IX', '9'	4
Driver License Number	No	A-Za-z0-9,space , and - ( no commas )	21
Driver License State	No	Two character state abbreviation	2
Employment Company Name	No	A-Za-z0-9, space, #, & and - ( no commas )	30
Employment Street	No	A-Za-z0-9, space, and # ( no commas )	60
Employment Postal Code	No	5 or 9 digits zip only (no -)	5 or 9
Employment State	No	Two character state abbreviation	2
Employment City	No	A-Za-z, space ( no commas )	38
age	No	Any digit between 14 to 120	Min 2 Max 3
YOB	No	Any digit between 1900 to 2099	4
Mothers Maiden Name	No	A-Za-z (no spaces )	32
Spouse Name	No	A-Za-z (no spaces )	32
Secondary Address Street	No	A-Za-z0-9, space, and # ( no commas )	60
Secondary Address City	No	A-Za-z, space ( no commas )	38
Secondary Address State	No	Two character state abbreviation	2
Secondary Address Zip	No	5 or 9 digits zip only (no -)	5 or 9
Client Reference ID	No	Characters or alphanumeric or numeric only	90	Client generated unique identifier for each CrossCore submission. A Client Reference ID is required in order to provide production support for Passive Authentication.
OTP	Yes	6 digit OTP	6	OTP (One-time password)

Test Consumers

The following test consumers will work with Passive authentication:

Last name	First name	Expected output
BEENE	MIKE	For a consumer who is authenticated through scores alone(PID,IEN &DRS) i.e Cross-core decision accept
CALANDI	JOSEPH	For testing OTP, please use phone number 9494308868. This will trigger OTP. You will not receive the text message, but you can get the OTP from the CAPI response. If you provide a different phone number or just ommit it, KIQ step-up will be triggered and you will receive KIQ questions in the CAPI response. Use suppressvelocityRules@test.com as email to skip and pass Fraudnet device validation in test environment
Arthur	Scott	Consumer with ITIN
Bob	Smith	Consumer with ITIN

Errors

The following errors are specific to Passive authentication.

Code	Description
101	MISSING HTTP HEADERS, REQUEST ABORTED.
102	JSON REQUEST IS MALFORMED OR NOT IN THE CORRECT FORMAT.
103	UNABLE TO RETRIEVE TENANT PROPERTIES FOR TENANT ID.
104	SERVICE ID FOR TENANT ID ''{0}'' IS NOT DEFINED.
105	MISSING MANDATORY JSON FIELDS.
106	LOGIN FAILED.
202	UNDEFINED FRAUD SERVICE CALL
203	THE MESSAGE IS OUTDATED.
204	UNKNOWN OR DISABLED SERVICE CALL
303	THE HMAC VALIDATION FAILED : SERVICE IS NOT PROPERLY INITIALIZED
304	THE HMAC VALIDATION FAILED : ERROR ACCESSING THE KEY STORE
305	THE HMAC VALIDATION FAILED : ERROR DURING SIGNATURE CALCULATION
406	FRAMEWORK MAPPER ERROR : MAPPER EXCEPTION

Authentication Types with sample requests and responses

Note: Below are the sample request.Please replace with the appropriate input values in the Curl request for Bearer token,authSession,OTP,answers for below use cases.

Use case 1 - Frictionless authentication

Frictionless authentication that leverages Precise ID, Identity Element Network and FraudNet scores to authenticate a consumer or landlord. Step up will not be trigged for the use case, user will receive a Connect API token.
User is authenticated with first request to v3/passive/user endpoint.User is passively authenticated and token is created.

curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user" -d "firstName=MIKE&lastName=BEENE&currentAddress=564 MARYLAND AVE APT31&currentCity=PITTSBURGH&currentState=PA&currentZip=152022966&ssn=666117440&dob=06061972&phoneNumber=5163690551&ipAddress=10.1.1.1&jscPayload='FWa44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVidPZW2AUMnGWVQdsBL6yXyjaY1WMsiZRPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVjnjk3nKxUC55yjaY2ftckuyPBDjaY1HGOg3ZLQ0FFdvHe2qv8BkQBpk6Hb9LarUqUdHz16rgPtKSL8KFY6RgBhw1JgN3dNA1RfgRe4JDvnEp5UZETlfe2Reif.Df237lYRQqwSMETnsKtEhlrlgNlrAq5BNlmqwos5AldDvp.xoeFTe4JE_9zI9z1byaCBBOQeWNJDc5J3vfAKY5D7yS9ttwVMvsD7mCC6wah8xzHr_GjqeBy0JEnvOj_H0By9Mup_TBjFzFmj5McNxof4.VQdtiWr1zUcfbrRKNc5f80kOPUXlByHJmFANSroLKQ_0lNc1lF4XVA4.WL9.MBmlF1x_Ff4.A2pWL90ftctDL90ftctDL9.KML4Nc0KSNKXV4hkf4.trs1OfSnjL90pv8H55SKsDSgea.B9JsDhLbhVeokpPcTghHR6aPDCI86xyAB1lF.xKg9lF4A4.9gJ14Nc1_XVRFP3Se_RgJ0aYaKU6YQ9lF6U9jIcf4.ST_StQUm6HYbUofjTCTervYTrYeqdpGpXVDjHizdMCAjTCTLrwWoctrx9vrYMx9tdSvlfmqzRQqwSLpDeDgJ0p7pmlF6JYMTux9tNc0KXVSKXVSKXVSKXV91gJ14Nc0F8uWL90oA4.90EJ9lF1ke1gJ.c4XV4.gJ.BEN1lF1vXf4.AiA1c9lFDXJ3ivc_09gJ.edSlKHv_8L9.KJisedSmZf4.9eMRKJitHKXV4KAi9eMRd9lF.4s671IMfs.8n_'&hdimPayload='rO0ABXNyACdjb20udGhlNDEuY29tbW9ucy5jcnlwdG8uQ3J5cHRvRW52ZWxvcGUAAJbgqPhc8wIAA0wABWFsaWFzdAASTGphdmEvbGFuZy9TdHJpbmc7WwAMZW5jcnlwdGVkS2V5dAACW0JbABBlbmNyeXB0ZWRQYXlsb2FkcQB-AAJ4cHQABGhkaW11cgACW0Ks8xf4BghU4AIAAHhwAAACAC7wGUDb-YlPnWXuRLtu1_TK0JSPdvWQC4M6u22---y7G-3IkmyjJ3XnX5BsyKZtIfL-r6DPiDD2p4eGk4RFvmbvsTEAcMn4rW1TvnJQURHiCkGGpuXUZ9xheZmUMrIrqqEsR9QDs6o7ku_hobV0A4ATf--0aQCxWVDKJrZPxwOZ0VF0zp-OfdTAJiwXpchctVfytD3O-g-L-WJgophz3Muqx9h95VzKjcHOO01m9SnrxhmnxX-U7rqKLFJZkH-3plRNJNQ4vVndfag6X9O2hQ9nSLgg_Ms_O2q46DFY_HRQBZjvdeIOr-sMCi-AoIFbJsnc0wYG2EIy6-oPJBi-LnHduQZ95E57XQGl9Uerp0uPyCXps9bUTk1BfLzvm4Zp7cJSNnacFIECcGlkHl3ckeTsVJKI8SWBna6fwL_wOdmH0bctRg0_289Mac5-KTlx6KsAGy4CjpaeJkQu29VgYWSuyW4bQhqTp-6eTimEOGfTW3oYJX_b7K8OBUvSvAIXc7LL5twff5qENzdOr-oCYTEo19foeSXeBGOhN0f6qvlJYW4nPMXoCP5po4Aw_jPVwV53629mQNzw8gzpM0J5Yn29qJn8YZlzy5aNg3zx4herCyedU-qW0reVB2qjYPa75ztZKNB4SbihbuzFUUIK7yxPgeq8f85ewMFRKkUKsQLTdXEAfgAFAAACAG6IpZ0ZqfALDvkU2sMx7thj_y8SfoULufYVvA8Y3cqLuuDQ30Zve4AmI1Q1BZpk_Ev_VHuUZ1RR1uM1CrHP3LGGgbFwPoih_f-UrLihxomgTXN94fIzgW3KFTEl4qH2Vy08PY9Dopxk93B0WDX-aM6NU2bU7kdCvOsE5eg6HA-c4gfWuhGOXbEAk72CCrLK8loD__V8DNCqon6sC_KykIPBAKIkKJ84PSUZu3vMuKdW_2RICrKG-3Fr7_lYoAtHEw1a2fhp_OliBo-09YnhSPoL6wRrJ39U8MSpV-2wynSKF7nA489HyiReoSQCS0pXHmWR5NafpUCeCqqySP7tZyZBeDd0XfaFLHDPtXtIUXAK5cgQDFurbkTlF_TvGaZeo_15dxx2m2FfzXdzQf3RyoD_QoohD0tUgnIeXW3kocY81l3eR_7orZpvndozsyYQ1xxulTS5n4dKjcrbq2udAwEYtFP8JJUjrCGm0Mz9vsY2ZErtDMaSNBF6ugviq_1PBvryZ0c5bnBw50SznvNtmSZvEkicRTYjA3hLinu5rksNblqkt37EwwysNHosA_E5f_DX9Zng68dKolJ2MGT1V9jB6sTIKoEhG9UdnXCSQt1QSsmiP5A3WPBDkRhCM72nSwaCuFhPZOvDPyLygxn1il05P4KbunKEkCgb89v07gUC'"

{"success":true,"error":null,"referenceID":15004895,"UserToken":"OWM1NWYyOTMtNzJhNi00YjA2LWEwYzktYTRjOGQ5ZmI1ZWNm","authSession":"ZDY1MTZkYzUtMzVlYS00MzE4LTkxZDctMDAwMTIyNTJjMGM1","userAuthenticated":true,"otpEnabled":false,"kiqEnabled":false,"crossCoreFullResponse":{"responseHeader":{"requestType":"PID-FN","clientReferenceId":"PIDInitialER-042120-0001","expRequestId":"RB000141890099","messageTime":"2020-11-03T11:53:00Z","overallResponse":{"decision":"CONTINUE","decisionText":"Continue","decisionReasons":["Continue"],"recommendedNextActions":[],"spareObjects":[]},"responseCode":"R0201","responseType":"INFO","responseMessage":"Workflow Complete.","tenantID":"T67XTV7L"},"clientResponsePayload":{"orchestrationDecisions":[{"sequenceId":"1","decisionSource":"PreciseId","decision":"ACCEPT","decisionReasons":["Continue"],"score":612,"decisionText":"Continue","nextAction":"Continue","appReference":"2155931355","decisionTime":"2020-11-03T11:53:03Z"},{"sequenceId":"2","decisionSource":"FraudNet","decision":"APPROVE","decisionReasons":["No device concerns"],"score":1100,"decisionText":"No Fraud Detected","nextAction":"Continue","appReference":"RSTest1","decisionTime":"2020-11-03T11:53:04Z"}],"decisionElements":[{"serviceName":"PreciseId","applicantId":"APPLICANT_CONTACT_ID_1","decision":"ACC","score":612,"decisionText":"Accept","appReference":"2155931355","rules":[{"ruleId":"5406","ruleName":"fcraRule01","ruleText":"FCBA Dispute on File"},{"ruleId":"F","ruleName":"adverseAction1","ruleText":"Fair Credit Billing Act dispute on-file"},{"ruleId":"1003","ruleName":"glbRule01","ruleText":"Social Security Number Issued before Year of Birth"},{"ruleId":"1009","ruleName":"glbRule02","ruleText":"Non-Residential Address On File"},{"ruleId":"1010","ruleName":"glbRule03","ruleText":"Incoming Address First Reported Within 90 Days"},{"ruleId":"3401","ruleName":"glbRule04","ruleText":"Additional Addresses (0 - 1)"},{"ruleId":"3404","ruleName":"glbRule05","ruleText":"Additional Addresses (3 - 4)"}],"otherData":{"json":{"fraudSolutions":{"response":{"products":{"preciseIDServer":{"sessionID":"ERQFQLJ1SZW6B4LRYL321KZK.pidd2v-20110305530339714738","header":{"reportDate":"11032020","reportTime":"055304","productOption":"06","subcode":"1923172","referenceNumber":"PIDInitialER-042120-0001"},"messages":{"message":[{"number":"57","text":"015000Y   0001","addrMismatch":"N"}],"consumerStatement":[]},"summary":{"transactionID":"2155931355","initialDecision":"ACC","finalDecision":"ACC","scores":{"preciseIDScore":"612","preciseIDScorecard":"AC OPEN V2","validationScore":"000776","validationScorecard":"AC OPEN VAL V2","verificationScore":"000784","verificationScorecard":"AC OPEN ID THEFT V2","complianceDescription":"No Compliance Code","reasons":{"reason":[{"value":"No adverse factor observed","code":"B405"},{"value":"No adverse factor observed","code":"B405"},{"value":"No adverse factor observed","code":"B405"},{"value":"No adverse factor observed","code":"B405"},{"value":"No adverse factor observed","code":"B405"}]},"fpdscore":"000400","fpdscorecard":"AC OPEN FPD V2"}},"preciseMatch":{"version":"04.00","responseStatusCode":{"value":"Data found for search request","code":"00"},"preciseMatchTransactionID":"CP-CSGS-H86RQSU3","preciseMatchScore":"349","preciseMatchDecision":{"value":"","code":" "},"addresses":{"address":[{"summary":{"verificationResult":{"value":"Exact match on first and last name;Exact match on address","code":"A1"},"type":{"value":"Office building","code":"O "},"unitMismatchResult":{"value":"","code":"  "},"highRiskResult":{"value":"No address high risk information found","code":"N "},"counts":{"standardizedAddressReturnCount":1,"residentialAddressMatchCount":1,"residentialAddressReturnCount":1,"highRiskAddressReturnCount":0,"businessAddressMatchCount":0,"businessAddressReturnCount":0}},"detail":{"standardizedAddressRcd":{"surname":"BEENE","firstName":"MIKE","address":"564 MARYLAND AVE APT 31","city":"PITTSBURGH","state":"PA","zipCode":"15202","zipPlus4":"2966"},"residentialAddressRcd":[{"surname":"BEENE","firstName":"MIKE","aliasName":[],"address":"564 MARYLAND AVE APT 31","city":"PITTSBURGH","state":"PA","zipCode":"15202","zipPlus4":"2966","areaCode":"516","phone":"3690551","lastUpdatedDate":"20150204"}],"highRiskAddressRcd":[],"highRiskAddressDescription":[{"highRiskDescription":"No high risk business at address/phone"}],"businessAddressRcd":[]}}]},"phones":{"phone":[{"summary":{"verificationResult":{"value":"Exact match to Phone, Exact Match to Name, Exact match to Address","code":"EA"},"classification":{"value":"Phone matches Wireless Type Service including PCS","code":"C"},"highRiskResult":{"value":"No phone high risk information found","code":"N"},"counts":{"residentialPhoneMatchCount":1,"residentialPhoneReturnCount":1,"highRiskPhoneReturnCount":0,"businessPhoneMatchCount":0,"businessPhoneReturnCount":0}},"detail":{"residentialPhoneRcd":[{"surname":"BEENE","firstName":"MIKE","aliasName":[],"address":"564 MARYLAND AVE APT 31","city":"PITTSBURGH","state":"PA","zipCode":"15202","zipPlus4":"2966","areaCode":"516","phone":"3690551","lastUpdatedDate":"20150204"}],"phoneHighRiskRcd":[],"highRiskPhoneDescription":[{"highRiskDescription":"No high risk business at address/phone"}],"businessPhoneRcd":[]}}]},"consumerID":{"summary":{"verificationResult":{"value":"Exact SSN match, Exact Name match, Exact Address match","code":"EA"},"deceasedResult":{"value":"No","code":"N"},"formatResult":{"value":"Valid","code":"V"},"issueResult":{"value":"SSN issue date cannot be verified","code":"C"},"counts":{"consumerIDReturnCount":1}},"detail":{"consumerIDRcd":[{"surname":"BEENE","firstName":"MIKE","aliasName":[],"address":"564 MARYLAND AVE APT 31","city":"PITTSBURGH","state":"PA","zipCode":"15202","zipPlus4":"2966","areaCode":"516","phone":"3690551","reportedDate":"20141121","lastUpdatedDate":"20150204"}]}},"dateOfBirth":{"summary":{"matchResult":{"value":"Day of Birth and Month of Birth exact match, Year of Birth exact match (no plus or minus one year logic accommodation)","code":"9"},"monthOfBirth":"06","dayOfBirth":"06","yearOfBirth":"1972"}},"driverLicense":{"summary":{"verificationResult":{"value":"Driver License number is missing","code":"M"},"formatValidation":{"value":"Driver's license not provided or validated","code":" "}}},"changeOfAddresses":{"changeOfAddress":[{"summary":{"verificationResult":{"value":"No change of address information found","code":"N "},"counts":{"changeOfAddressReturnCount":0}}}]},"ofac":{"summary":{"verificationResult":{"value":"","code":"  "},"counts":{"ofacReturnCount":0}}},"previousAddresses":{"previousAddress":[{"summary":{"counts":{"previousAddressReturnCount":2}},"detail":{"previousAddressRcd":[{"address":"5 ASHLEY LN","city":"NEW KENSINGTON","state":"PA","zipCode":"15068","zipPlus4":"9368","reportedDate":"20030709","lastUpdatedDate":"20060717"},{"address":"564 MARYLAND AVE APT 31","city":"PITTSBURGH","state":"PA","zipCode":"15202","zipPlus4":"2966","reportedDate":"20060706","lastUpdatedDate":"20060707"}]}}]},"ssnfinder":{"summary":{"counts":{"ssnfinderReturnCount":0}}}},"pidxmlversion":"06.00","fcraDetail":{"fraudShield":{"indicator":[{"value":"N","code":"07"},{"value":"N","code":"08"},{"value":"N","code":"09"},{"value":"N","code":"19"},{"value":"N","code":"20"},{"value":"N","code":"22"},{"value":"N","code":"27"}]},"adverseActions":{"adverseAction":[{"value":"Fair Credit Billing Act dispute on-file","code":"F"},{"value":"","code":" "},{"value":"","code":" "},{"value":"","code":" "}]},"fcrarules":{"fcrarule":[{"value":"FCBA Dispute on File","code":"5406"},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    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"},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "}]}}},"customerManagement":{"version":"1.00","reportDate":"11032020","reportTime":"055303","transactionID":"PIDCM0741636891866491169636649118194","clientTrackingID":"2155931355","primaryResponseCode":"0000","secondaryResponseCode":"1300","responseCodeDesc":"PID Cust Management v1 Scores/Attributes are calculated without SSN","referenceText":"PIDInitialER-042120-0001","scoreResults":{"score":"934","scoreFactors":{"scoreFactor1":{"value":"Ratio of SSN matches to total matches","code":"E012"},"scoreFactor2":{"value":"No high risk activity","code":"E017"},"scoreFactor3":{"value":"No high risk activity","code":"E017"},"scoreFactor4":{"value":"No high risk activity","code":"E017"}}},"attributes":{"attributes01Day":"0;0;0;0;0;0;0;0;0;0;0;0;","attributes03Day":"0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;","attributes07Day":"0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;","attributes21Day":"0;0;0;","attributes28Day":"0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;","attributes90Day":"0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;1;0;1;0;0;1;1;1;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;1;0;1;0;0;1;1;1;0;0;0;0;0;0;0;0;0;0;0;0;0;0;0;1;0;1;0;0;1;1;1;"}}}}}}},"decisions":[{"element":"messageNumber","value":"57","reason":"015000Y   0001"},{"element":"initialDecision","value":"ACC","reason":""},{"element":"finalDecision","value":"ACC","reason":""},{"element":"pidScoreReason1","value":"B405","reason":"No adverse factor observed"},{"element":"pidScoreReason2","value":"B405","reason":"No adverse factor observed"},{"element":"pidScoreReason3","value":"B405","reason":"No adverse factor observed"},{"element":"pidScoreReason4","value":"B405","reason":"No adverse factor observed"},{"element":"pidScoreReason5","value":"B405","reason":"No adverse factor observed"},{"element":"ienScoreFactor1","value":"E012","reason":"Ratio of SSN matches to total matches"},{"element":"ienScoreFactor2","value":"E017","reason":"No high risk activity"},{"element":"ienScoreFactor3","value":"E017","reason":"No high risk activity"},{"element":"ienScoreFactor4","value":"E017","reason":"No high risk activity"}],"matches":[{"name":"pmAddressVerificationResult1","value":"A1"},{"name":"pmPhoneVerificationResult1","value":"EA"},{"name":"pmConsumerIDVerificationResult","value":"EA"},{"name":"pmDateOfBirthMatchResult","value":"9"},{"name":"pmDriverLicenseVerificationResult","value":"M"},{"name":"pmChangeOfAddressVerificationResult1","value":"N"},{"name":"pmOFACVerificationResult","value":""},{"name":"fcraFSIndicator07","value":"N"},{"name":"fcraFSIndicator08","value":"N"},{"name":"fcraFSIndicator09","value":"N"},{"name":"fcraFSIndicator19","value":"N"},{"name":"fcraFSIndicator20","value":"N"},{"name":"fcraFSIndicator22","value":"N"},{"name":"fcraFSIndicator27","value":"N"},{"name":"glbFSIndicator01","value":"N"},{"name":"glbFSIndicator02","value":"Y"},{"name":"glbFSIndicator03","value":"N"},{"name":"glbFSIndicator04","value":"N"},{"name":"glbFSIndicator05","value":"N"},{"name":"glbFSIndicator06","value":"Y"},{"name":"glbFSIndicator10","value":"N"},{"name":"glbFSIndicator11","value":"N"},{"name":"glbFSIndicator13","value":"N"},{"name":"glbFSIndicator14","value":"N"},{"name":"glbFSIndicator15","value":"N"},{"name":"glbFSIndicator16","value":"N"},{"name":"glbFSIndicator17","value":"Y"},{"name":"glbFSIndicator18","value":"N"},{"name":"glbFSIndicator21","value":"Y"},{"name":"glbFSIndicator25","value":"N"},{"name":"glbFSIndicator26","value":"N"}],"scores":[{"name":"preciseIDScore","score":612,"type":"score"},{"name":"validationScore","score":776,"type":"score"},{"name":"verificationScore","score":784,"type":"score"},{"name":"fpdScore","score":400,"type":"score"},{"name":"preciseMatchScore","score":349,"type":"score"},{"name":"ienScore","score":934,"type":"score"}]},{"serviceName":"FraudNet","decision":"APPROVE","score":1100,"decisionText":"APPROVE","appReference":"RSTest1","rules":[{"ruleId":"PNNTZ","ruleScore":750,"ruleText":"SUSPECT"},{"ruleId":"CUSNW","ruleScore":0,"ruleText":"NOTE"},{"ruleId":"BRWTS","ruleScore":250,"ruleText":"SUSPECT"},{"ruleId":"NULCB","ruleScore":0,"ruleText":"NOTE"},{"ruleId":"DDRBI","ruleScore":100,"ruleText":"SUSPECT"},{"ruleId":"DDRBO","ruleScore":0,"ruleText":"NOTE"}],"warningsErrors":[{"responseType":"WARNING","responseMessage":"event.contacts[0].address is not a valid postal or country code"},{"responseType":"WARNING","responseMessage":"event.contacts[0].emails[0].email may not be null"},{"responseType":"WARNING","responseMessage":"event.contacts[0].address.countryCode may not be null"},{"responseType":"WARNING","responseMessage":"event.contacts[0].phoneNumbers[0] is not a valid phone number"}],"otherData":{"response":{"response":{"id":"RSTest1","modelCode":"CUCBAO","modelVersion":100963,"orgCode":"APIC","time":"2020-11-03T11:53:00.000Z","score":1100,"deviceId":"57EBF28E34652D0C6E91D081F19B921C5D91BAD0","tdl":19800110,"systemResponse":"APPROVE","fulfillmentAction":"APPROVE","auditTrail":[{"code":"PNNTZ","ruleScore":750,"ruleAction":"SUSPECT"},{"code":"CUSNW","ruleScore":0,"ruleAction":"NOTE"},{"code":"BRWTS","ruleScore":250,"ruleAction":"SUSPECT"},{"code":"NULCB","ruleScore":0,"ruleAction":"NOTE"},{"code":"DDRBI","ruleScore":100,"ruleAction":"SUSPECT"},{"code":"DDRBO","ruleScore":0,"ruleAction":"NOTE"}],"riskLevel":"LOW"},"warnings":[{"path":"event.contacts[0].address","message":"is not a valid postal or country code"},{"path":"event.contacts[0].emails[0].email","message":"may not be null"},{"path":"event.contacts[0].address.countryCode","message":"may not be null"},{"path":"event.contacts[0].phoneNumbers[0]","message":"is not a valid phone number","value":"5163690551"}]}}}]},"originalRequestData":{"application":{"applicants":[{"applicantType":"APPLICANT","contactId":"APPLICANT_CONTACT_ID_1"}],"originalRequestTime":"2020-11-03T11:53:00Z","productDetails":{"productType":"WRITTEN_INSTRUCTIONS"}},"contacts":[{"addresses":[{"addressType":"CURRENT","id":"Main_Contact_Address_0","postTown":"PITTSBURGH","postal":"152022966","stateProvinceCode":"PA","street":"564 MARYLAND AVE APT 31"},{"addressType":"PREVIOUS"}],"emails":[{"id":"MAIN_EMAIL_0"}],"id":"APPLICANT_CONTACT_ID_1","identityDocuments":[{"documentNumber":"666117440","documentType":"SSN","hashedDocumentNumber":""}],"person":{"names":[{"firstName":"MIKE","nameSuffix":"","surName":"BEENE"}],"personDetails":{"dateOfBirth":"1972-06-06"},"personIdentifier":"","typeOfPerson":""},"telephones":[{"id":"Main_Phone_0","number":"5163690551"}]}],"control":[{"option":"PIDXML_VERSION","value":"06.00"},{"option":"SUBSCRIBER_PREAMBLE","value":"TCEX"},{"option":"SUBSCRIBER_OPERATOR_INITIAL","value":"ec"},{"option":"SUBSCRIBER_SUB_CODE","value":"1923172"},{"option":"PID_USERNAME","value":"ecs_pa_demo"},{"option":"PID_PASSWORD","value":"TWFpIzMzMnVk"},{"option":"VERBOSE","value":"Y"},{"option":"PRODUCT_OPTION","value":"06"},{"option":"DETAIL_REQUEST","value":"D"},{"option":"VENDOR","value":"123"},{"option":"VENDOR_VERSION","value":"11"},{"option":"MODEL_CODE","value":"CUCBAO"},{"option":"ORG_CODE","value":"APIC"},{"option":"EVENT_ID","value":"RSTest1"}],"device":{"hdim":{"payload":"rO0ABXNyACdjb20udGhlNDEuY29tbW9ucy5jcnlwdG8uQ3J5cHRvRW52ZWxvcGUAAJbgqPhc8wIAA0wABWFsaWFzdAASTGphdmEvbGFuZy9TdHJpbmc7WwAMZW5jcnlwdGVkS2V5dAACW0JbABBlbmNyeXB0ZWRQYXlsb2FkcQB-AAJ4cHQABGhkaW11cgACW0Ks8xf4BghU4AIAAHhwAAACAC7wGUDb-YlPnWXuRLtu1_TK0JSPdvWQC4M6u22---y7G-3IkmyjJ3XnX5BsyKZtIfL-r6DPiDD2p4eGk4RFvmbvsTEAcMn4rW1TvnJQURHiCkGGpuXUZ9xheZmUMrIrqqEsR9QDs6o7ku_hobV0A4ATf--0aQCxWVDKJrZPxwOZ0VF0zp-OfdTAJiwXpchctVfytD3O-g-L-WJgophz3Muqx9h95VzKjcHOO01m9SnrxhmnxX-U7rqKLFJZkH-3plRNJNQ4vVndfag6X9O2hQ9nSLgg_Ms_O2q46DFY_HRQBZjvdeIOr-sMCi-AoIFbJsnc0wYG2EIy6-oPJBi-LnHduQZ95E57XQGl9Uerp0uPyCXps9bUTk1BfLzvm4Zp7cJSNnacFIECcGlkHl3ckeTsVJKI8SWBna6fwL_wOdmH0bctRg0_289Mac5-KTlx6KsAGy4CjpaeJkQu29VgYWSuyW4bQhqTp-6eTimEOGfTW3oYJX_b7K8OBUvSvAIXc7LL5twff5qENzdOr-oCYTEo19foeSXeBGOhN0f6qvlJYW4nPMXoCP5po4Aw_jPVwV53629mQNzw8gzpM0J5Yn29qJn8YZlzy5aNg3zx4herCyedU-qW0reVB2qjYPa75ztZKNB4SbihbuzFUUIK7yxPgeq8f85ewMFRKkUKsQLTdXEAfgAFAAACAG6IpZ0ZqfALDvkU2sMx7tiBq1r4P5icNZwGeF4vIrL_uuDQ30Zve4AmI1Q1BZpk_Ev_VHuUZ1RR1uM1CrHP3LGGgbFwPoih_f-UrLihxomgTXN94fIzgW3KFTEl4qH2Vy08PY9Dopxk93B0WDX-aM6NU2bU7kdCvOsE5eg6HA-c4gfWuhGOXbEAk72CCrLK8loD__V8DNCqon6sC_KykIPBAKIkKJ84PSUZu3vMuKdW_2RICrKG-3Fr7_lYoAtHEw1a2fhp_OliBo-09YnhSPoL6wRrJ39U8MSpV-2wynSKF7nA489HyiReoSQCS0pXHmWR5NafpUCeCqqySP7tZyZBeDd0XfaFLHDPtXtIUXAK5cgQDFurbkTlF_TvGaZeo_15dxx2m2FfzXdzQf3RyoD_QoohD0tUgnIeXW3kocY81l3eR_7orZpvndozsyYQ1xxulTS5n4dKjcrbq2udAwEYtFP8JJUjrCGm0Mz9vsY2ZErtDMaSNBF6ugviq_1PBvryZ0c5bnBw50SznvNtmSZvEkicRTYjA3hLinu5rksNblqkt37EwwysNHosA_E5f_DX9Zng68dKolJ2MGT1V9jB6sTIKoEhG9UdnXCSQt1Qkr0duArQ1IQ8zLyc3ijsYtYzrCApbfzKtIUv9TZhpqLeD-zJMjT-sAQNA4Q_KQ8w"},"headers":[{"headerName":"cache-control","headerValue":"max-age=0"}],"id":"ID_DEVICE_1","ipAddress":"0.0.0.0","jsc":".da44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVidPZW2AUMnGWVQdsBL6yXyjaY1WMsiZRPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVjnjk3nKxUC55yjaY2ftckuyPBDjaY1HGOg3ZLQ0FFWW0pC2pvHViQBpk6Hb9LarUqUdHz16rgPtKSL8KFY6RdVrk8HlVH_Vg8mNI_FeWrUpUkaU_Wxv5icCmeug.ugBFY5CljQlpRxvEWMZyr6U5lY6RjNNlY6AQnIVNj5ZvjJ2rHd0ucKFyJfxBfw9UuNokl_ie4WFuVOFIighLBNsYtofbbm0UjVsY7ooUmPobrxATK5zPcns4FzEhayK73nsdUfLKsmx2x29wOTWYrHgJ.ZXnnRAxyXiUSrQe6S2afggJ2KZVsBhElNaU89O74gDvuA9hmVsgJ0Nc1lF4XVFf4.AaONc0TmcKXV4Wukf4.pwoRbA4.pwoRbA4.9ff1gJ.eig9lF1qsKXVRvw0Bpitrf4.bwiFJt4mk8bxFi.CHUekOHpUM0EyS6NiGipHfIaYYJmGzUXn.gJ.EKQ1gJ0HlF1f4.WL9.dNc635W6PdMA4.Oct_MlsqmgJ0rmfou9lF6MdMTLrwWoctrx9vrYMehysrhsuheSJSNc2fofjuKnHvrYM_hz7S9DSzHixspzHiPMTwPwhjr5xj6KhIeYf4.SHCRgJ0p7prijHiL9.KNc6KNc6KNc6KNc1Vf4.WL9.J1TcKXVS1lF1VIp1gJ.g9Vf4.90Nc0FA4.22q.gJ.iselF1vXke1gJ2c_0Aiu8FHf4.9eMRKJitHKXV4KAi9eMRd9lF1e_r4KAiJ_Nc0KHvXe_r9HgJ.0T0m.Zpuy.6E6","serverTime":"2020-11-03T11:53:00.483Z","userIdentityCookies":[{"key":"JSESSIONID","value":"13201604261400201885564335"}]},"source":"WEB"}}}

Use case 2 – One time Passcode (OTP) step-up authentication.

When a consumer or landlord does not meet the Precise ID, Identity Element Network or FraudNet score thresholds, Connect API will automatically provide an OTP step-up option in the JSON response
The first step of the authentication is the call to v3/passive/user endpoint. As a result of this call the user will get an OTP to their registered mobile number. This code should be sent along in the second call to the endpoint v3/passive/user/otp . The user will be authenticated upon OTP validation.

curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user" -d "firstName=JOSEPH&lastName=CALANDI&currentAddress=386 17TH AVE NE APT 15&currentCity=HICKORY&currentState=NC&currentZip=286011951&ssn=666317315&yob=1970&phoneNumber=9494308868&ipAddress=10.1.1.1&jscPayload='Fda44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVidPZW2AUMnGWVQdsBL6yXyjaY1WMsiZRPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVjnjk3nKxUC55yjaY2ftckuyPBDjaY1HGOg3ZLQ0FFW210F8JdCRqOfVD_DJhCizgzH_y3EjNpmeugHeW5DtJmrk8HlVH_VdIZb9WK2iwnwkMuijjNpp0iKMKV6KWX3NliCvTDfbjOw9wbqsvsqBNv_v25BNtQTPR24teTQjWIvtYLye4JEkmjn0Ua_zdYI25LucL42e0_0DumpNlYXEbHiTU74yy2XBYIGz8fHUUohtJQxeYEVK2wyqQtJVIEX_yhOMYAoEoBfl_u5ES9lF1HAECkjru9txrHdC2iWnB4Nc5f80kOPUXlByHJmFANSroLKQ_0lNc1lF4XVA4.WL9.MBmlF1x_Ff4.A2pWL90ftctDL90ftctDL9.KML4Nc0KSNKXV4hkf4.trs1OfSnjL90pB.8NIHs.IyKL.9VKB5FHng0NOPgBBgiJ8iOcspBZUrsgkA4.2pLkf4.JgJ.elF7KXV9L90l0cGqeKmlF5PDOKwTCgf4.SwexDXgJ0puKr_hz7S9DSzHixspufUiCvTDfPbK6L9.ux9vy_RoixsptQUm6HYbUofjTCUofa_rj5jAQxljQlpQJuculF6JYMA4.SHCSvfof_XV4L90pL90pL90pL9.c9lF7KXV4.be4Nc6FgJ.c3xFf4.A1c9lF1VL9.J1lF.kxVA4.Ai9gJ.isg9Vf4.u8FHviXJ3elF1e_r4KAiJ_Nc0KHvXe_r9HgJ.edSlKHv_8L9.KJisedSmZf4..MVRV8CTjV.4ls'&hdimPayload='rO0ABXNyACdjb20udGhlNDEuY29tbW9ucy5jcnlwdG8uQ3J5cHRvRW52ZWxvcGUAAJbgqPhc8wIAA0wABWFsaWFzdAASTGphdmEvbGFuZy9TdHJpbmc7WwAMZW5jcnlwdGVkS2V5dAACW0JbABBlbmNyeXB0ZWRQYXlsb2FkcQB-AAJ4cHQABGhkaW11cgACW0Ks8xf4BghU4AIAAHhwAAACACxV6gJoC8TPHd-xWQEy5uAZMU1TzF_oWE89r4iVP3yGCZgFFWLC6vbx6k1U-A0peysevBcT_4126H3YmPgWG7aFQWrcRJgOK8xNv30FoSpRfG_-PhJsetYr7CW3P4XuNeCTmVNEKosZW1_mkcTaZH110ShRilEEDEilg1jZ86Eb7QRc50loZ_RvFxXekjNDHIwwk-yucaZ0MuXf047M63Z7RtrLsszDZyx3mG7ZapwFkovbx6ErRWNCw686LjoU_jHge8nDVlgasITRIk9JiyGgE7zPoy0stfBNIny4pIOlIaV5yiiNwTBrBKxQLcgYh2xGJRfqGsSqo7rzU7TzyjFa18AU9kvSgNAUphy5Gz2d8h_hP4wdM5AHQhKpm8MYT0vZ3z6aTA_Hukn87H8mwOyQJ8L8Qjx36dVAu9M1tL3Slrc_vEB5ccQxn3b-i-I_yXL1i57tehKo_JgrqhCMcEEZltA9BK0n7gl2ForBD0aUlwJRCtlWJSiKfkxxvF-7DVP5aLrU5mWsAfE5v-I13Y8xwzeQJCz9wkUqQkEXzjhEelY6M3wVzvfIBDnqaXcfmKdTcd-MK_6whHWQv6X60J51nxhxItc9Q2RwODNTjkLeikTyKpAYYUK1iOTzhOkll_TOydvYVCSBIGR7jF2921C9VZ5ka-6Om6XdDIMZVPDGdXEAfgAFAAAB8J-D46oWAn_5nGrwEnMEDsP5CGsGXfeYEjYwEPkMSAOAtrYFvTc7VeAl_6w9c30aB9MbiBHh3hdjbzX0Pg1VtEpL6hiQaM3Vlv7FJ_itj9eZ7Eqwi_XrxuFm7GQVnKkhuYmTDxXBLMIMgrQvWl7Fuqd2alEiKr2RsWwtwaERkfMnrqbtXlL2esj1XhYLhvlkdOP3CyLuwK-Bipg5iIBg4-UZuly5pXOGoW8NltdERjbf2Utia49n52vgUNaMc7UNou0y-5WTrRiv2hC7XWLwqXOOAUNy6K7zncbF1aT8KeXwgDnAkuRJM7pxmOIBTBENS7ete0K41Zh48WX590l4G-oa9PEAeUiRHNQD1jqDznKx55ldSaTO31iL6RxuZzX8-TIy-WOQUQhOeOJAaoB_kvN4esREmEdy1GfeqO9hVIJitaMxIYz9pFjOVzkUzXZQdGFrUnQQBnd3UBaAvmiNMLuObK9NXb8fDWiDMZHtC9YoFfPiXtHn_23uN0dC_ey4EjHj_xpQTbTYX0nM-ELIiHbImT5d56o0YMVUSy_xlS4D6CTMyQIZTysBryB9lz040v_LAtEQojtUm0kolkQkp1XXf-DxFon9-7AHptulfcnGgIh2DZ6Ha5TNgXW1GiGQjr3vexcCLUIDgDA5ehF-ECg'"

{"success":true,"error":null,"referenceID":15007091,"UserToken":null,"authSession":"ZWRmMThkOWMtMDkxNi00NjIwLWI4YzMtMDQwOTlhYWVlMzk5","userAuthenticated":false,"otpEnabled":true,"kiqEnabled":false,"crossCoreFullResponse":{"responseHeader":{"requestType":"PreciseIdOnly","clientReferenceId":"PIDInitialER-042120-0001","expRequestId":"RB000141892690","messageTime":"2020-11-03T12:25:32Z","overallResponse":{"decision":"NODECISION","decisionText":"No Decision","decisionReasons":["No Decision"],"recommendedNextActions":[],"spareObjects":[]},"responseCode":"R0201","responseType":"INFO","responseMessage":"Workflow Complete.","tenantID":"T67XTV7L"},"clientResponsePayload":{"orchestrationDecisions":[{"sequenceId":"1","decisionSource":"PreciseId","decision":"NODECISION","decisionReasons":["No Decision"],"score":718,"decisionText":"No Decision","nextAction":"Continue","appReference":"2155932840","decisionTime":"2020-11-03T12:25:34Z"}],"decisionElements":[{"serviceName":"PreciseId","applicantId":"APPLICANT_CONTACT_ID_1","decision":"XXX","score":718,"decisionText":"No Decision","appReference":"2155932840","rules":[{"ruleId":"1003","ruleName":"glbRule01","ruleText":"Social Security Number Issued before Year of Birth"},{"ruleId":"3404","ruleName":"glbRule02","ruleText":"Additional Addresses (3 - 4)"},{"ruleId":"3406","ruleName":"glbRule03","ruleText":"Additional Addresses (5 - 6)"}],"otherData":{"json":{"fraudSolutions":{"response":{"products":{"preciseIDServer":{"sessionID":"BMXQBIL7TMA29B9DLPUZMHSM.pidd1v-20110306253332436963","header":{"reportDate":"11032020","reportTime":"062534","productOption":"03","subcode":"2921232","referenceNumber":"PIDInitialER-042120-0001"},"summary":{"transactionID":"2155932840","initialDecision":"R20","finalDecision":"XXX","scores":{"preciseIDScore":"718","preciseIDScorecard":"ID SCREENING V2","validationScore":"000732","validationScorecard":"ID SCREENING VAL V2","verificationScore":"000590","verificationScorecard":"ID SCREENING VER V2","complianceDescription":"No Compliance Code","reasons":{"reason":[{"value":"Not Supplied","code":"    "},{"value":"Not Supplied","code":"    "},{"value":"Not Supplied","code":"    "},{"value":"Not Supplied","code":"    "},{"value":"","code":""}]},"fpdscore":"000000"}},"preciseMatch":{"version":"02.00","responseStatusCode":{"value":"Data found for search request","code":"00"},"preciseMatchTransactionID":"43fc7100-e3cb-40df-8","preciseMatchScore":"679","preciseMatchDecision":{"value":"","code":" "},"addresses":{"address":[{"summary":{"verificationResult":{"value":"Exact match on first and last name;Exact match on address","code":"A1"},"type":{"value":"Multi-family dwelling","code":"M "},"unitMismatchResult":{"value":"","code":"  "},"highRiskResult":{"value":"No address high risk information found","code":"N "},"counts":{"standardizedAddressReturnCount":1,"residentialAddressMatchCount":1,"residentialAddressReturnCount":1,"highRiskAddressReturnCount":0,"businessAddressMatchCount":0,"businessAddressReturnCount":0}},"detail":{"standardizedAddressRcd":{"surname":"CALANDI","firstName":"JOSEPH","middle":"D","address":"386 17TH AVE NE APT 15","city":"HICKORY","state":"NC","zipCode":"28601","zipPlus4":"1951"},"residentialAddressRcd":[{"surname":"CALANDI","firstName":"JOSEPH","middle":"D","aliasName":[],"address":"386 17TH AVE NE APT 15","city":"HICKORY","state":"NC","zipCode":"28601","zipPlus4":"1951","areaCode":"910","phone":"6496569","monthsAtResidence":"0053","lastUpdatedDate":"20020609"}],"highRiskAddressRcd":[],"highRiskAddressDescription":[{"highRiskDescription":"No high risk business at address/phone"}],"businessAddressRcd":[]}}]},"phones":{"phone":[{"summary":{"verificationResult":{"value":"Exact match to Phone, Exact Match to Name, Exact match to Address","code":"EA"},"classification":{"value":"Phone matches Wireless Type Service including PCS","code":"C"},"highRiskResult":{"value":"No phone high risk information found","code":"N"},"counts":{"residentialPhoneMatchCount":1,"residentialPhoneReturnCount":1,"highRiskPhoneReturnCount":0,"businessPhoneMatchCount":0,"businessPhoneReturnCount":0}},"detail":{"residentialPhoneRcd":[{"surname":"CALANDI SR","firstName":"JOSEPH","middle":"D","aliasName":[],"address":"386 17 AVE NE APT 15","city":"HICKORY","state":"NC","zipCode":"28601","zipPlus4":"1951","areaCode":"949","phone":"4308868"}],"phoneHighRiskRcd":[],"highRiskPhoneDescription":[{"highRiskDescription":"No high risk business at address/phone"}],"businessPhoneRcd":[]}}]},"consumerID":{"summary":{"verificationResult":{"value":"Match to full name and address-Match performed using SSN","code":"YA"},"deceasedResult":{"value":"No","code":"N"},"formatResult":{"value":"Valid","code":"V"},"issueResult":{"value":"SSN issue date cannot be 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curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user/otp" -d "authSession=ZWRmMThkOWMtMDkxNi00NjIwLWI4YzMtMDQwOTlhYWVlMzk5&otp=120521"

{"success":true,"error":null,"referenceID":15007091,"UserToken":"NjJlOTM1N2ItYzRmNy00YmVlLWJlZDEtYTk2ZjkzOWVhMDE3","authSession":"ZWRmMThkOWMtMDkxNi00NjIwLWI4YzMtMDQwOTlhYWVlMzk5","userAuthenticated":true,"otpEnabled":false,"kiqEnabled":false,"crossCoreFullResponse":{"responseHeader":{"requestType":"PreciseIdOnly","clientReferenceId":"PIDInitialER-042120-0001","expRequestId":"RB000141892990","messageTime":"2020-11-03T12:28:07Z","overallResponse":{"decision":"ACCEPT","decisionText":"Continue","decisionReasons":["Continue"],"recommendedNextActions":[],"spareObjects":[]},"responseCode":"R0201","responseType":"INFO","responseMessage":"Workflow 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Matrix"}}}}}}}},"decisions":[{"element":"oneTimePasscode","value":"120521","reason":""},{"element":"oneTimePasscodeStatus","value":"100","reason":"Message Sent"},{"element":"validateOneTimePasscode","value":"120521","reason":""},{"element":"validateOneTimePasscodeMatchResult","value":"M","reason":"Match"},{"element":"initialDecision","value":"R20","reason":""},{"element":"finalDecision","value":"ACC","reason":""},{"element":"kbaAcceptReferCode","value":"ACC","reason":""},{"element":"pidScoreReason1","value":"","reason":"Not Supplied"},{"element":"pidScoreReason2","value":"","reason":"Not Supplied"},{"element":"pidScoreReason3","value":"","reason":"Not Supplied"},{"element":"pidScoreReason4","value":"","reason":"Not 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Use case 3 - KIQ based authentication:

If the consumer could not get authenticated with Frictionless authentication and the phone number does not match with name and address of the user,they would be prompted with KIQ
The first step of the authentication is the call to v3/passive/user endpoint. As a result of this call the user will get set of questions in response. The answer to the questions should be send along in the second call to the endpoint v3/passive/user/answers . The user will be authenticated upon answers validation.

curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user" -d "firstName=JOSEPH&lastName=CALANDI&currentAddress=386 17TH AVE NE APT 15&currentCity=HICKORY&currentState=NC&currentZip=286011951&ssn=666317315&yob=1970&phoneNumber=9032442877&ipAddress=10.1.1.1&jscPayload='Fda44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVidPZW2AUMnGWVQdsBL6yXyjaY1WMsiZRPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVjnjk3nKxUC55yjaY2ftckuyPBDjaY1HGOg3ZLQ0FFW210F8JdCRqOfVD_DJhCizgzH_y3EjNpmeugHeW5DtJmrk8HlVH_VdIZb9WK2iwnwkMuijjNpp0iKMKV6KWX3NliCvTDfbjOw9wbqsvsqBNv_v25BNtQTPR24teTQjWIvtYLye4JEkmjn0Ua_zdYI25LucL42e0_0DumpNlYXEbHiTU74yy2XBYIGz8fHUUohtJQxeYEVK2wyqQtJVIEX_yhOMYAoEoBfl_u5ES9lF1HAECkjru9txrHdC2iWnB4Nc5f80kOPUXlByHJmFANSroLKQ_0lNc1lF4XVA4.WL9.MBmlF1x_Ff4.A2pWL90ftctDL90ftctDL9.KML4Nc0KSNKXV4hkf4.trs1OfSnjL90pB.8NIHs.IyKL.9VKB5FHng0NOPgBBgiJ8iOcspBZUrsgkA4.2pLkf4.JgJ.elF7KXV9L90l0cGqeKmlF5PDOKwTCgf4.SwexDXgJ0puKr_hz7S9DSzHixspufUiCvTDfPbK6L9.ux9vy_RoixsptQUm6HYbUofjTCUofa_rj5jAQxljQlpQJuculF6JYMA4.SHCSvfof_XV4L90pL90pL90pL9.c9lF7KXV4.be4Nc6FgJ.c3xFf4.A1c9lF1VL9.J1lF.kxVA4.Ai9gJ.isg9Vf4.u8FHviXJ3elF1e_r4KAiJ_Nc0KHvXe_r9HgJ.edSlKHv_8L9.KJisedSmZf4..MVRV8CTjV.4ls'&hdimPayload='rO0ABXNyACdjb20udGhlNDEuY29tbW9ucy5jcnlwdG8uQ3J5cHRvRW52ZWxvcGUAAJbgqPhc8wIAA0wABWFsaWFzdAASTGphdmEvbGFuZy9TdHJpbmc7WwAMZW5jcnlwdGVkS2V5dAACW0JbABBlbmNyeXB0ZWRQYXlsb2FkcQB-AAJ4cHQABGhkaW11cgACW0Ks8xf4BghU4AIAAHhwAAACACxV6gJoC8TPHd-xWQEy5uAZMU1TzF_oWE89r4iVP3yGCZgFFWLC6vbx6k1U-A0peysevBcT_4126H3YmPgWG7aFQWrcRJgOK8xNv30FoSpRfG_-PhJsetYr7CW3P4XuNeCTmVNEKosZW1_mkcTaZH110ShRilEEDEilg1jZ86Eb7QRc50loZ_RvFxXekjNDHIwwk-yucaZ0MuXf047M63Z7RtrLsszDZyx3mG7ZapwFkovbx6ErRWNCw686LjoU_jHge8nDVlgasITRIk9JiyGgE7zPoy0stfBNIny4pIOlIaV5yiiNwTBrBKxQLcgYh2xGJRfqGsSqo7rzU7TzyjFa18AU9kvSgNAUphy5Gz2d8h_hP4wdM5AHQhKpm8MYT0vZ3z6aTA_Hukn87H8mwOyQJ8L8Qjx36dVAu9M1tL3Slrc_vEB5ccQxn3b-i-I_yXL1i57tehKo_JgrqhCMcEEZltA9BK0n7gl2ForBD0aUlwJRCtlWJSiKfkxxvF-7DVP5aLrU5mWsAfE5v-I13Y8xwzeQJCz9wkUqQkEXzjhEelY6M3wVzvfIBDnqaXcfmKdTcd-MK_6whHWQv6X60J51nxhxItc9Q2RwODNTjkLeikTyKpAYYUK1iOTzhOkll_TOydvYVCSBIGR7jF2921C9VZ5ka-6Om6XdDIMZVPDGdXEAfgAFAAAB8J-D46oWAn_5nGrwEnMEDsP5CGsGXfeYEjYwEPkMSAOAtrYFvTc7VeAl_6w9c30aB9MbiBHh3hdjbzX0Pg1VtEpL6hiQaM3Vlv7FJ_itj9eZ7Eqwi_XrxuFm7GQVnKkhuYmTDxXBLMIMgrQvWl7Fuqd2alEiKr2RsWwtwaERkfMnrqbtXlL2esj1XhYLhvlkdOP3CyLuwK-Bipg5iIBg4-UZuly5pXOGoW8NltdERjbf2Utia49n52vgUNaMc7UNou0y-5WTrRiv2hC7XWLwqXOOAUNy6K7zncbF1aT8KeXwgDnAkuRJM7pxmOIBTBENS7ete0K41Zh48WX590l4G-oa9PEAeUiRHNQD1jqDznKx55ldSaTO31iL6RxuZzX8-TIy-WOQUQhOeOJAaoB_kvN4esREmEdy1GfeqO9hVIJitaMxIYz9pFjOVzkUzXZQdGFrUnQQBnd3UBaAvmiNMLuObK9NXb8fDWiDMZHtC9YoFfPiXtHn_23uN0dC_ey4EjHj_xpQTbTYX0nM-ELIiHbImT5d56o0YMVUSy_xlS4D6CTMyQIZTysBryB9lz040v_LAtEQojtUm0kolkQkp1XXf-DxFon9-7AHptulfcnGgIh2DZ6Ha5TNgXW1GiGQjr3vexcCLUIDgDA5ehF-ECg'"

{"success":true,"error":null,"referenceID":15007572,"UserToken":null,"authSession":"ZDJhNDI0MGEtNjJlMy00Zjg4LWI0MzgtOWY5ZTUzY2VmNTI1","userAuthenticated":false,"otpEnabled":false,"kiqEnabled":true,"crossCoreFullResponse":{"responseHeader":{"requestType":"PreciseIdOnly","clientReferenceId":"PIDInitialER-042120-0001","expRequestId":"RB000141899529","messageTime":"2020-11-03T13:32:33Z","overallResponse":{"decision":"REFER","decisionText":"Continue & Investigate","decisionReasons":["Continue & Investigate"],"recommendedNextActions":[],"spareObjects":[]},"responseCode":"R0201","responseType":"INFO","responseMessage":"Workflow Complete.","tenantID":"T67XTV7L"},"clientResponsePayload":{"orchestrationDecisions":[{"sequenceId":"1","decisionSource":"PreciseId","decision":"REFER","decisionReasons":["Continue & Investigate"],"score":633,"decisionText":"Continue & 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Please select the lender to whom you currently make your mortgage payments. If you do not have a mortgage, select 'NONE OF THE ABOVE/DOES NOT APPLY'.","questionSelect":{"questionChoice":["CENTEX HOME EQUITY","RESOURCE BANCSHARES MTG","BARNETT MORTGAGE COMPANY","TEMPLE INLAND MTG","NONE OF THE ABOVE/DOES NOT APPLY"]}}],"creditQuestionSet":[],"nonCreditQuestionSet":[]},"pidxmlversion":"06.00","glbDetail":{"fraudShield":{"indicator":[{"value":"N","code":"01"},{"value":"N","code":"02"},{"value":"N","code":"03"},{"value":"N","code":"04"},{"value":"N","code":"05"},{"value":"Y","code":"06"},{"value":"N","code":"10"},{"value":"N","code":"11"},{"value":"N","code":"13"},{"value":"N","code":"14"},{"value":"N","code":"15"},{"value":"N","code":"16"},{"value":"N","code":"17"},{"value":"N","code":"18"},{"value":"Y","code":"21"},{"value":"N","code":"25"},{"value":"N","code":"26"}]},"glbRules":{"glbRule":[{"value":"Social Security Number Issued before Year of Birth","code":"1003"},{"value":"Additional Addresses (3 - 4)","code":"3404"},{"value":"Additional Addresses (5 - 6)","code":"3406"},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "},{"value":"","code":"    "}]}}}}}}}},"decisions":[{"element":"initialDecision","value":"R20","reason":""},{"element":"finalDecision","value":"R20","reason":""},{"element":"kbaResultCode","value":"0","reason":"KBA processing successful questions returned"},{"element":"pidScoreReason1","value":"","reason":"Not Supplied"},{"element":"pidScoreReason2","value":"","reason":"Not Supplied"},{"element":"pidScoreReason3","value":"","reason":"Not Supplied"},{"element":"pidScoreReason4","value":"","reason":"Not Supplied"},{"element":"pidScoreReason5","value":"","reason":""}],"matches":[{"name":"pmAddressVerificationResult1","value":"A1"},{"name":"pmPhoneVerificationResult1","value":"NX"},{"name":"pmConsumerIDVerificationResult","value":"YA"},{"name":"pmDateOfBirthMatchResult","value":"9"},{"name":"pmDriverLicenseVerificationResult","value":"M"},{"name":"pmChangeOfAddressVerificationResult1","value":"N"},{"name":"pmOFACVerificationResult","value":"1"},{"name":"glbFSIndicator01","value":"N"},{"name":"glbFSIndicator02","value":"N"},{"name":"glbFSIndicator03","value":"N"},{"name":"glbFSIndicator04","value":"N"},{"name":"glbFSIndicator05","value":"N"},{"name":"glbFSIndicator06","value":"Y"},{"name":"glbFSIndicator10","value":"N"},{"name":"glbFSIndicator11","value":"N"},{"name":"glbFSIndicator13","value":"N"},{"name":"glbFSIndicator14","value":"N"},{"name":"glbFSIndicator15","value":"N"},{"name":"glbFSIndicator16","value":"N"},{"name":"glbFSIndicator17","value":"N"},{"name":"glbFSIndicator18","value":"N"},{"name":"glbFSIndicator21","value":"Y"},{"name":"glbFSIndicator25","value":"N"},{"name":"glbFSIndicator26","value":"N"}],"scores":[{"name":"preciseIDScore","score":633,"type":"score"},{"name":"validationScore","score":696,"type":"score"},{"name":"verificationScore","score":575,"type":"score"},{"name":"fpdScore","score":0,"type":"score"},{"name":"preciseMatchScore","score":541,"type":"score"}]}]},"originalRequestData":{"application":{"applicants":[{"applicantType":"APPLICANT","contactId":"APPLICANT_CONTACT_ID_1"}],"originalRequestTime":"2020-11-03T13:32:33Z","productDetails":{"productType":"WRITTEN_INSTRUCTIONS"}},"contacts":[{"addresses":[{"addressType":"CURRENT","id":"Main_Contact_Address_0","postTown":"HICKORY","postal":"286011951","stateProvinceCode":"NC","street":"386 17TH AVE NE APT 15"},{"addressType":"PREVIOUS"}],"emails":[{"id":"MAIN_EMAIL_0"}],"id":"APPLICANT_CONTACT_ID_1","identityDocuments":[{"documentNumber":"666317315","documentType":"SSN","hashedDocumentNumber":""}],"person":{"names":[{"firstName":"JOSEPH","middleNames":"D","nameSuffix":"","surName":"CALANDI"}],"personDetails":{"yearOfBirth":"1970"},"personIdentifier":"","typeOfPerson":""},"telephones":[{"id":"Main_Phone_0","number":"9032442877"}]}],"control":[{"option":"PIDXML_VERSION","value":"06.00"},{"option":"SUBSCRIBER_PREAMBLE","value":"TBD1"},{"option":"SUBSCRIBER_OPERATOR_INITIAL","value":"ec"},{"option":"SUBSCRIBER_SUB_CODE","value":"2921232"},{"option":"PID_USERNAME","value":"ecs_pa_demo"},{"option":"PID_PASSWORD","value":"TWFpIzMzMnVk"},{"option":"VERBOSE","value":"Y"},{"option":"PRODUCT_OPTION","value":"03"},{"option":"DETAIL_REQUEST","value":"D"},{"option":"VENDOR","value":"123"},{"option":"VENDOR_VERSION","value":"11"}]}}}

curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user/answers" -d "authSession=ZDJhNDI0MGEtNjJlMy00Zjg4LWI0MzgtOWY5ZTUzY2VmNTI1&answer=4&answer=3&answer=4&answer=4"

{"success":true,"error":null,"referenceID":15007572,"UserToken":"NmViNmIzNzYtMDFkNy00ZmM0LThiZmEtYzFlYWVlYWNhMzAy","authSession":"ZDJhNDI0MGEtNjJlMy00Zjg4LWI0MzgtOWY5ZTUzY2VmNTI1","userAuthenticated":true,"otpEnabled":false,"kiqEnabled":false,"crossCoreFullResponse":{"responseHeader":{"requestType":"PreciseIdOnly","clientReferenceId":"PIDInitialER-042120-0001","expRequestId":"RB000141899560","messageTime":"2020-11-03T13:33:39Z","overallResponse":{"decision":"ACCEPT","decisionText":"Continue","decisionReasons":["Continue"],"recommendedNextActions":[],"spareObjects":[]},"responseCode":"R0201","responseType":"INFO","responseMessage":"Workflow 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Use case 4 - KIQ and OTP based authentication:

If the consumer had failed to be authenticated through OTP ( OTP validation failed), they would be promted for KIQ questions. The user should provide the answers for the questions and upon providing the correct details,the consumer would be authenticated and token will be created.

curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user" -d "firstName=JOSEPH&lastName=CALANDI&currentAddress=386 17TH AVE NE APT 15&currentCity=HICKORY&currentState=NC&currentZip=286011951&ssn=666317315&yob=1970&phoneNumber=9494308868&ipAddress=10.1.1.1&jscPayload='Fda44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVidPZW2AUMnGWVQdsBL6yXyjaY1WMsiZRPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVjnjk3nKxUC55yjaY2ftckuyPBDjaY1HGOg3ZLQ0FFW210F8JdCRqOfVD_DJhCizgzH_y3EjNpmeugHeW5DtJmrk8HlVH_VdIZb9WK2iwnwkMuijjNpp0iKMKV6KWX3NliCvTDfbjOw9wbqsvsqBNv_v25BNtQTPR24teTQjWIvtYLye4JEkmjn0Ua_zdYI25LucL42e0_0DumpNlYXEbHiTU74yy2XBYIGz8fHUUohtJQxeYEVK2wyqQtJVIEX_yhOMYAoEoBfl_u5ES9lF1HAECkjru9txrHdC2iWnB4Nc5f80kOPUXlByHJmFANSroLKQ_0lNc1lF4XVA4.WL9.MBmlF1x_Ff4.A2pWL90ftctDL90ftctDL9.KML4Nc0KSNKXV4hkf4.trs1OfSnjL90pB.8NIHs.IyKL.9VKB5FHng0NOPgBBgiJ8iOcspBZUrsgkA4.2pLkf4.JgJ.elF7KXV9L90l0cGqeKmlF5PDOKwTCgf4.SwexDXgJ0puKr_hz7S9DSzHixspufUiCvTDfPbK6L9.ux9vy_RoixsptQUm6HYbUofjTCUofa_rj5jAQxljQlpQJuculF6JYMA4.SHCSvfof_XV4L90pL90pL90pL9.c9lF7KXV4.be4Nc6FgJ.c3xFf4.A1c9lF1VL9.J1lF.kxVA4.Ai9gJ.isg9Vf4.u8FHviXJ3elF1e_r4KAiJ_Nc0KHvXe_r9HgJ.edSlKHv_8L9.KJisedSmZf4..MVRV8CTjV.4ls'&hdimPayload='rO0ABXNyACdjb20udGhlNDEuY29tbW9ucy5jcnlwdG8uQ3J5cHRvRW52ZWxvcGUAAJbgqPhc8wIAA0wABWFsaWFzdAASTGphdmEvbGFuZy9TdHJpbmc7WwAMZW5jcnlwdGVkS2V5dAACW0JbABBlbmNyeXB0ZWRQYXlsb2FkcQB-AAJ4cHQABGhkaW11cgACW0Ks8xf4BghU4AIAAHhwAAACACxV6gJoC8TPHd-xWQEy5uAZMU1TzF_oWE89r4iVP3yGCZgFFWLC6vbx6k1U-A0peysevBcT_4126H3YmPgWG7aFQWrcRJgOK8xNv30FoSpRfG_-PhJsetYr7CW3P4XuNeCTmVNEKosZW1_mkcTaZH110ShRilEEDEilg1jZ86Eb7QRc50loZ_RvFxXekjNDHIwwk-yucaZ0MuXf047M63Z7RtrLsszDZyx3mG7ZapwFkovbx6ErRWNCw686LjoU_jHge8nDVlgasITRIk9JiyGgE7zPoy0stfBNIny4pIOlIaV5yiiNwTBrBKxQLcgYh2xGJRfqGsSqo7rzU7TzyjFa18AU9kvSgNAUphy5Gz2d8h_hP4wdM5AHQhKpm8MYT0vZ3z6aTA_Hukn87H8mwOyQJ8L8Qjx36dVAu9M1tL3Slrc_vEB5ccQxn3b-i-I_yXL1i57tehKo_JgrqhCMcEEZltA9BK0n7gl2ForBD0aUlwJRCtlWJSiKfkxxvF-7DVP5aLrU5mWsAfE5v-I13Y8xwzeQJCz9wkUqQkEXzjhEelY6M3wVzvfIBDnqaXcfmKdTcd-MK_6whHWQv6X60J51nxhxItc9Q2RwODNTjkLeikTyKpAYYUK1iOTzhOkll_TOydvYVCSBIGR7jF2921C9VZ5ka-6Om6XdDIMZVPDGdXEAfgAFAAAB8J-D46oWAn_5nGrwEnMEDsP5CGsGXfeYEjYwEPkMSAOAtrYFvTc7VeAl_6w9c30aB9MbiBHh3hdjbzX0Pg1VtEpL6hiQaM3Vlv7FJ_itj9eZ7Eqwi_XrxuFm7GQVnKkhuYmTDxXBLMIMgrQvWl7Fuqd2alEiKr2RsWwtwaERkfMnrqbtXlL2esj1XhYLhvlkdOP3CyLuwK-Bipg5iIBg4-UZuly5pXOGoW8NltdERjbf2Utia49n52vgUNaMc7UNou0y-5WTrRiv2hC7XWLwqXOOAUNy6K7zncbF1aT8KeXwgDnAkuRJM7pxmOIBTBENS7ete0K41Zh48WX590l4G-oa9PEAeUiRHNQD1jqDznKx55ldSaTO31iL6RxuZzX8-TIy-WOQUQhOeOJAaoB_kvN4esREmEdy1GfeqO9hVIJitaMxIYz9pFjOVzkUzXZQdGFrUnQQBnd3UBaAvmiNMLuObK9NXb8fDWiDMZHtC9YoFfPiXtHn_23uN0dC_ey4EjHj_xpQTbTYX0nM-ELIiHbImT5d56o0YMVUSy_xlS4D6CTMyQIZTysBryB9lz040v_LAtEQojtUm0kolkQkp1XXf-DxFon9-7AHptulfcnGgIh2DZ6Ha5TNgXW1GiGQjr3vexcCLUIDgDA5ehF-ECg'"

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curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/user/otp" -d "authSession=ZWRmMThkOWMtMDkxNi00NjIwLWI4YzMtMDQwOTlhYWVlMzk5&otp=000000"

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Passive Re-Authentication

User is re-authenticated

curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/auth/OWM1NWYyOTMtNzJhNi00YjA2LWEwYzktYTRjOGQ5ZmI1ZWNm" -d &ipAddress=10.1.1.1&jscPayload='FWa44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVidPZW2AUMnGWVQdsBL6yXyjaY1WMsiZRPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22O_AvLG9mhORoVjnjk3nKxUC55yjaY2ftckuyPBDjaY1HGOg3ZLQ0FFdvHe2qv8BkQBpk6Hb9LarUqUdHz16rgPtKSL8KFY6RgBhw1JgN3dNA1RfgRe4JDvnEp5UZETlfe2Reif.Df237lYRQqwSMETnsKtEhlrlgNlrAq5BNlmqwos5AldDvp.xoeFTe4JE_9zI9z1byaCBBOQeWNJDc5J3vfAKY5D7yS9ttwVMvsD7mCC6wah8xzHr_GjqeBy0JEnvOj_H0By9Mup_TBjFzFmj5McNxof4.VQdtiWr1zUcfbrRKNc5f80kOPUXlByHJmFANSroLKQ_0lNc1lF4XVA4.WL9.MBmlF1x_Ff4.A2pWL90ftctDL90ftctDL9.KML4Nc0KSNKXV4hkf4.trs1OfSnjL90pv8H55SKsDSgea.B9JsDhLbhVeokpPcTghHR6aPDCI86xyAB1lF.xKg9lF4A4.9gJ14Nc1_XVRFP3Se_RgJ0aYaKU6YQ9lF6U9jIcf4.ST_StQUm6HYbUofjTCTervYTrYeqdpGpXVDjHizdMCAjTCTLrwWoctrx9vrYMx9tdSvlfmqzRQqwSLpDeDgJ0p7pmlF6JYMTux9tNc0KXVSKXVSKXVSKXV91gJ14Nc0F8uWL90oA4.90EJ9lF1ke1gJ.c4XV4.gJ.BEN1lF1vXf4.AiA1c9lFDXJ3ivc_09gJ.edSlKHv_8L9.KJisedSmZf4.9eMRKJitHKXV4KAi9eMRd9lF.4s671IMfs.8n_'&hdimPayload='rO0ABXNyACdjb20udGhlNDEuY29tbW9ucy5jcnlwdG8uQ3J5cHRvRW52ZWxvcGUAAJbgqPhc8wIAA0wABWFsaWFzdAASTGphdmEvbGFuZy9TdHJpbmc7WwAMZW5jcnlwdGVkS2V5dAACW0JbABBlbmNyeXB0ZWRQYXlsb2FkcQB-AAJ4cHQABGhkaW11cgACW0Ks8xf4BghU4AIAAHhwAAACAC7wGUDb-YlPnWXuRLtu1_TK0JSPdvWQC4M6u22---y7G-3IkmyjJ3XnX5BsyKZtIfL-r6DPiDD2p4eGk4RFvmbvsTEAcMn4rW1TvnJQURHiCkGGpuXUZ9xheZmUMrIrqqEsR9QDs6o7ku_hobV0A4ATf--0aQCxWVDKJrZPxwOZ0VF0zp-OfdTAJiwXpchctVfytD3O-g-L-WJgophz3Muqx9h95VzKjcHOO01m9SnrxhmnxX-U7rqKLFJZkH-3plRNJNQ4vVndfag6X9O2hQ9nSLgg_Ms_O2q46DFY_HRQBZjvdeIOr-sMCi-AoIFbJsnc0wYG2EIy6-oPJBi-LnHduQZ95E57XQGl9Uerp0uPyCXps9bUTk1BfLzvm4Zp7cJSNnacFIECcGlkHl3ckeTsVJKI8SWBna6fwL_wOdmH0bctRg0_289Mac5-KTlx6KsAGy4CjpaeJkQu29VgYWSuyW4bQhqTp-6eTimEOGfTW3oYJX_b7K8OBUvSvAIXc7LL5twff5qENzdOr-oCYTEo19foeSXeBGOhN0f6qvlJYW4nPMXoCP5po4Aw_jPVwV53629mQNzw8gzpM0J5Yn29qJn8YZlzy5aNg3zx4herCyedU-qW0reVB2qjYPa75ztZKNB4SbihbuzFUUIK7yxPgeq8f85ewMFRKkUKsQLTdXEAfgAFAAACAG6IpZ0ZqfALDvkU2sMx7thj_y8SfoULufYVvA8Y3cqLuuDQ30Zve4AmI1Q1BZpk_Ev_VHuUZ1RR1uM1CrHP3LGGgbFwPoih_f-UrLihxomgTXN94fIzgW3KFTEl4qH2Vy08PY9Dopxk93B0WDX-aM6NU2bU7kdCvOsE5eg6HA-c4gfWuhGOXbEAk72CCrLK8loD__V8DNCqon6sC_KykIPBAKIkKJ84PSUZu3vMuKdW_2RICrKG-3Fr7_lYoAtHEw1a2fhp_OliBo-09YnhSPoL6wRrJ39U8MSpV-2wynSKF7nA489HyiReoSQCS0pXHmWR5NafpUCeCqqySP7tZyZBeDd0XfaFLHDPtXtIUXAK5cgQDFurbkTlF_TvGaZeo_15dxx2m2FfzXdzQf3RyoD_QoohD0tUgnIeXW3kocY81l3eR_7orZpvndozsyYQ1xxulTS5n4dKjcrbq2udAwEYtFP8JJUjrCGm0Mz9vsY2ZErtDMaSNBF6ugviq_1PBvryZ0c5bnBw50SznvNtmSZvEkicRTYjA3hLinu5rksNblqkt37EwwysNHosA_E5f_DX9Zng68dKolJ2MGT1V9jB6sTIKoEhG9UdnXCSQt1QSsmiP5A3WPBDkRhCM72nSwaCuFhPZOvDPyLygxn1il05P4KbunKEkCgb89v07gUC'"

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curl -X POST -H "Authorization: Bearer <YOUR BEARER TOKEN>"  "https://uat-us-api.experian.com/connectapi/v3/passive/auth/otp/NjJlOTM1N2ItYzRmNy00YmVlLWJlZDEtYTk2ZjkzOWVhMDE3" -d "authSession=ZGM2Nzc5ZTYtMWFkMC00YmE4LWI0N2EtMjMxNzE4ZDc1ZTVj&otp=00000"

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