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Combined Decisions

GBG Identity Solution not only brings you individual verification results for your checks, but through the use of combined decisions you can effectively manage a whole collection of verification results against a single person into one result either "PASS" or "REFER".

By providing the same person-id (in the URL) across multiple verification requests, you can indicate to the Identity Solution which verifications relate to a single individual (the person-id will be returned in the header of your first verification call).

You can define specific combined decision rules in the IDaaS portal, allowing you to specify how many verifications (Verify Person or Verify Document checks) are required in order to achieve a PASS decision (please see below to find out how to set up a combined decision). A Combined Decision of "REFER" indicates that the person cannot be onboarded successfully and requires further verification. It is also important to note that if a combined decision has not been set up for an organisation, then the overall combined decision will  result in 'Undetermined'.

What else will affect the Combined Decision?

For the Face Match (verify-selfie) and Liveness (liveness-result) checks, the combined decision is looking for a result of PASS associated with a verify document (document-id) from these services if used.  Which means that a Verify Document PASS would be overidden if a Face Match and/or Liveness was carried out unsuccessfully against that same document. Find out more about the the Verify Document logic here

Another service that is included in the Combined Decision is the Triangulation service.  More information about the Triangulation service can be found in this section.  The Combined Decision will use the triangulation service to determine whether all checks for one Person Id have the same details (is the same person).  A failed Triangulation result will override the Combined Decision of PASS and cause a REFER (i.e. if verifications that were done against a single 'person-id' looks to be different in Name, DOB or Address then a REFER decision is given - more examples given at the bottom of the page).

 


Combined Decision Set Up

A user will need to log in to the IDaaS portal. Once a user has logged in, they will need to select Combined Decision Settings in the menu pane.

Once selected, users will be able to view the Combined Decision Settings overlay/modal.

 

Initially, a combined decision setting may not have been set up for an organisation, and the above screen will be displayed to the user. The ‘+ Add Service’ will allow users to add the Verify Document and Verify Person functions. Once a user has added the functions, the user will be able to set the minimum amount of required passes needed from each check to allow the combined decision result to be a PASS.

The example below is showing that a minimum of one pass for a Verify Document check and one pass for a Verify Person check needs to occur for the combined decision result to be a PASS (assuming Triangulation has passed).

Important: once changes have been saved, the new setting will automatically be applied to any verifications carried out after the time of saving. 

 


Examples

Below are some examples of what the combined decision result would be when different scenarios are applied.

Example 1

Combined Decision Setting

Verify Person - 1

Verify Document - 1

Combination of checks and their results Combined Decision Result

Verify Document - PASS; Verify Person - PASS; Triangulation - PASS

PASS

Verify Document - FAIL; Verify Person - PASS; Triangulation - PASS

REFER

Verify Document - FAIL; Verify Person - FAIL; Triangulation - PASS

REFER

Verify Document - PASS; Verify Person - PASS; Triangulation - FAIL

REFER

Verify Document - PASS; Verify Person - PASS; Triangulation - N/A ( Triangulation did not run)

PASS

 

Example 2

Combined Decision Setting:

Verify Person - 0

Verify Document - 0

Combination of checks and their results Combined Decision Result

Verify Document - PASS; Verify Person - PASS; Triangulation - PASS

PASS

Verify Document - FAIL; Verify Person - PASS; Triangulation - PASS

PASS

Verify Document - FAIL; Verify Person - FAIL; Triangulation - PASS

PASS

Verify Document - PASS; Verify Person - PASS; Triangulation - FAIL

REFER

Verify Document - PASS; Verify Person - PASS; Triangulation - N/A ( Triangulation did not run)

PASS

 

Example 3

Combined Decision Setting:

Verify Person - 1

Verify Document - 2

Combination of checks and their results Combined Decision Result

Verify Document (1) - PASS; Verify Document (2) - PASS; Verify Person - PASS; Triangulation - PASS

PASS

Verify Document (1) - PASS; Verify Document (2) - FAIL; Verify Person - PASS; Triangulation - PASS

REFER

Verify Document (1) - PASS; Verify Document (2) - PASS; Verify Person - FAIL; Triangulation - PASS

REFER

Verify Document (1) - PASS; Verify Document (2) - PASS; Verify Person - PASS; Triangulation - FAIL

REFER

Verify Document (1) - PASS; Verify Document (2) - PASS; Verify Person - PASS; Triangulation - N/A (Triangulation did not run)

PASS

Verify Document (1) - PASS; Verify Document (2) - N/A (Second document not provided); Verify Person - PASS; Triangulation - PASS

REFER