Failure Scenarios

Overview

The identity verification process will attempt to exhaust all available options with a user before eventually terminating the verification process. This will happen as early as possible, if there's a strong evidence suggesting that the user will not achieve the relevant identity checking requirements for the requested scheme.

In the event that multiple schemes are requested , the identity verification flow will continue as long as one scheme could still be met.

Failures may include:

  • 'Aborted' identity checks: Aborted identity checks are the result of a complete 'dead end' in the journey, meaning an identity profile will not be returned
  • Requirements not met: Occurs when an identity profile can be returned, however scheme compliance couldn't be met
    • Requirements not met details: Additional information around the failure, explaining which checks were involved, and why they may have failed

When a journey is incomplete, either entirely (aborted) or due to not reaching scheme compliance (requirements not met), a reason code will be returned to explain the failure.

These tables list the reason codes, a description of why they may occur, and the integration type in which they may be returned.

Since some failures can be triggered for multiple reasons, there is a priority for which overall reason code will be used. Details of all failed checks would be available in the failure details.

Retrieving the Profile

The Identity Profile and any failures returned can be retrieved through the Yoti SDKs

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Example Failure

Liveness Fail
Document Failure
Document not Provided
Fraud
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Requirements not Met

CodeDescription
MANDATORY_DOCUMENT_NOT_PROVIDED

The user does not have sufficient documents to reach the target level of identity verification.

*This may be returned as an aborted reason, or a requirements not met reason.

LEVEL_OF_ASSURANCE_NOT_SUFFICIENTSome documents were supplied, but scheme compliance could not be reached.
UNABLE_TO_VERIFY_ADDRESSIdentity profile has been generated but candidates address was not verified.

Aborted

ReasonDescription
MANDATORY_DOCUMENT_NOT_PROVIDED*

The user does not have sufficient documents to reach the target level of identity verification.

*This may be returned as an aborted reason, or a requirements not met reason.

FRAUD_DETECTEDSuspected fraud for the given identity therefore unable to reach the required identity profile. This should be reviewed.
UNABLE_TO_VALIDATE_DOCUMENTWe have not been able to successfully validate a required document (for reasons other than suspected fraud, e.g. capture error)
MISSING_LIVENESSReturned if the session does not have a passed liveness check.
IDENTITY_CHECK_FAILEDAdditional checks on a user’s identity, required to meet the level of confidence, have not been successful.
UNABLE_TO_COMPLETE_CHECKSRequired checks could not be completed.
COULD_NOT_VERIFY_ADDRESSCould occur if the address was not verified for any reason after the applicant leaves the session.
FACE_MATCH_VERIFICATION_FAILEDThe face match check could not be performed.
FACE_MATCH_HIGHER_THRESHOLD_ VERIFICATION_FAILEDIn some circumstances, a higher level of confidence in the face match is required, such as if the presented identity is at higher risk of identity fraud. This reason code is returned if such a higher threshold could not be met.
IDENTITY_FRAUD_SCORE_INSUFFICIENTThe profile has not reached the identity fraud score for the specified scheme.
ABANDONEDExpired sessions will eventually be set to ABANDONED, there is approximately a two hour delay between this aborted reason appearing from expiry.

Requirements not met details

The requirements not met details structure is a list of objects which contains information to supplement the overall returned reason code. This surfaces information around the specific check, or multiple checks, which may have led to the failure.

The following fields are returned per each object in the structure:

  • failure_type
  • document_type
  • document_country_iso_code
  • audit_id
  • details

Info Documents where an end user has select that they are unable to provide it, or do not have it, will not appear in the failure details, therefore it is possible to have an aborted session with no failure details (for example mandatory document not provide without any attempt by the user).

Failure TypeAssociated Reason Code(s)
ID_DOCUMENT_EXTRACTIONMANDATORY_DOCUMENT_NOT_PROVIDED
ID_DOCUMENT_AUTHENTICITY

UNABLE_TO_VALIDATE_DOCUMENT

MISSING_FRAUD_LIST_CHECK

FRAUD_DETECTED

The failure reason details will be populated with the check report recommendation. The list can be found here

ID_DOCUMENT_COUNTRYMANDATORY_DOCUMENT_NOT_PROVIDED
ID_DOCUMENT_FACE_MATCH

FACE_MATCH_VERIFICATION_FAILED

FACE_MATCH_VERIFICATION_HIGHER_THRESHOLD_FAILED

FRAUD_DETECTED

The failure reason details will be populated with the check report recommendation. The list can be found here

ID_DOCUMENT_ADDRESS_VERIFICATIONSee ID Check table below
IDENTITY_CHECKSee ID Check table below
LIVENESSMISSING_LIVENESS
UNLINKED_DOCUMENT_EVIDENCE

MANDATORY_DOCUMENT_NOT_PROVIDED

Documentary evidence may be 'unlinked' if either the name, dob, or both do not match to additional document evidence in the requested scheme.

ID Check

This table lists the failure details codes that can be returned alongside the failure type of IDENTITY_CHECK.

ProviderDetailsReason codeDescription
CRAERROR_WHEN_PERFORMING_CHECKUNABLE_TO_COMPLETE_CHECKSSomething when wrong when calling the TransUnion server
CRAPEP_WARNINGIDENTITY_CHECK_FAILEDCRA check flagged the user as PEP or the check was not performed (i.e. the user's current address is claimed to be outside of the UK). If flagged as PEP, additional verification checks failed.
CRADECEASED_WARNINGIDENTITY_CHECK_FAILEDCRA check flagged the user as deceased or the check was not performed (i.e. the user's current address is claimed to be outside of the UK)
CRAUNABLE_TO_VERIFY_ADDRESSFor DBS basic: When the address could not be verified
CRAUNABLE_TO_VERIFY_ADDRESSIDENTITY_CHECK_FAILEDFor DBS standard/enhanced: When the address could not be verified
CRAUNABLE_TO_VERIFY_IDENTITYIDENTITY_CHECK_FAILEDWhen the CRA check failed to find a match for the name or DOB

ID Doc Extraction

This table lists the failure details codes that can be returned alongside the failure type of ID_DOCUMENT_EXTRACTION.

DetailsDescription
POOR_FOCUSThe image is too blurry to read the document details
POOR_LIGHTThe provided document image was not taken in adequate light
TOO_LIGHTThe provided document image has too much light or glare
POOR_DOCThe image is too blurry to read the document details
PARTIAL_SIDE_DOCParts of the document are missing from the image (i.e. missing side)
PARTIAL_PHOTOParts of the document side are missing from the image
DOCUMENT_COPYThe document has not been presented in its original form
BLACK_AND_WHITE_IMAGEThe document image provided is not in colour
NO_DOCUMENTWe could not detect a document in the captured image
TEMPLATEAll parts of the document template could not be detected
USER_DOES_NOT_HAVE_REQUESTED_DOCUMENTSIf the user did not provide all, or any of the documents required for the scheme, and there is no other failure reason
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