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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 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 Verification History UI, allowing you to specify how many verifications are required in order to achieve a PASS decision.

For example the combined decision rules can be changed to increase the number of verify document (image) and/or verify person (data) results of PASS are required.  If you have a need to achieved 2 verify documents (images) and 1 verify person (data) then a combined decision rule can be altered to reflect this.

A Combined Decision of "REFER" indicates that the person cannot be onboarded successfully and requires further verification.

For the Face Match (verify-selfie) and Liveness (liveness-result) 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.

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 the person being verified all many checks has the same details (is the same person).  A failed Triangulation result will overide the Combined Decision of PASS and cause a REFER (i.e. if the person in the verifications done against a single 'person-id' looks to be different in Name, DOB or Address then a REFER decision is given).