Answering Identity Questions

Getting and answering the Identity Questions is probably the trickiest part of the whole process. That's partly because we're dealing with a third party API in addition to our own. While the credit bureau's production API seems to be pretty steady, the QA API is less reliable. So, sometime's you're going to get a 409 (Conflict) HTTP Response Code and it's just because the credit bureau API isn't available.

During testing with http://demo.firstonboard.net you will need to use the credit bureau QA Consumers as your Merchant Owners in order for the Identity process to work correctly. You can get a spreadsheet of users (with identity answers) from the API Support Team. This spreadsheet will have the information you need to answer the questions. If you can't find information to answer a question, pick "None of the Above" as the answer.

Be sure to include quotes around the numbers in the answers.

Please read any error messages you get carefully. It will be a 409 (Conflict) HTTP Response with a Reason Phrase.

Reason Phrase Explanation
Please contact your Sales Representative to validate your application. Error Code: REF Answers Failed.
Please contact your Sales Representative to validate your application. Error Code: 98 No Session ID.
Please contact your Sales Representative to validate your application. Error Code: 99 Null Decision. The Identity Service might be down. However, check the format of the Questions.

Example Request

POST https://demo.firstonboard.net/api/office/208148/identityanswerset/25327
Content:
{
  "SessionID": "C653ED205B1888504BB5A6ACC62328BF.preciseId6-1412221026410180435371325",
  "Answers": [
    {
      "QuestionNumber": "1",
      "ChoiceNumber": "1"
    },
    {
      "QuestionNumber": "2",
      "ChoiceNumber": "3"
    },
    {
      "QuestionNumber": "3",
      "ChoiceNumber": "5"
    },
    {
      "QuestionNumber": "4",
      "ChoiceNumber": "4"
    },
    {
      "QuestionNumber": "5",
      "ChoiceNumber": "4"
    }
  ]
}

Example Response

The Response will be an Application object.