Review insights

As the Lifecycle of a Business explains, when a Business status changes to in_review, Middesk has completed its investigation into that Business. You can then make your decision about the business using the insights Middesk provides. Your decision could be:

  • Approve the business to use your platform
  • Deny approval
  • Create an order to have Middesk perform additional research

Middesk examines businesses across the follow areas:

  • Taxpayer Identification Number (TIN)
  • Secretary of State filings
  • Addresses
  • Business name
  • Web presence
  • Watchlist screening
  • Industry classification
  • Phone number

You can look for the results most meaningful to your company’s compliance, fraud, and risk needs.

Access Middesk insights

When Middesk completes verification of a business, detailed results show in the Dashboard.

The results derive from how Middesk matches data. The specific business properties reviewed depend upon the information you provide and the orders you request.

Middesk's insights on a submitted business

Access review tasks in the API

For API-driven integrations, the insights equivalents are stored in the tasks attribute of the Review object:

1{
2 "object": "review",
3 "id": "0eb9094c-33fc-49eb-b5a5-18101d948857",
4 "created_at": "2020-03-06 19:20:29 UTC",
5 "updated_at": "2020-03-06 19:23:24 UTC",
6 "completed_at": "2020-03-06 19:23:24 UTC",
7 "tasks": [
8 {
9 "category": "people",
10 "key": "person_verification",
11 "label": "People",
12 "message": "Unable to identify a match to the submitted person",
13 "name": "people",
14 "status": "failure",
15 "sub_label": "Unverified"
16 },
17 {
18 "category": "tin",
19 "key": "tin",
20 "label": "TIN Match",
21 "message": "The IRS does not have a record for the submitted TIN and Business Name combination",
22 "name": "tin",
23 "status": "failure",
24 "sub_label": "Not Found"
25 },
26 {
27 "category": "name",
28 "key": "name",
29 "label": "Business Name",
30 "message": "Similar match identified to the submitted Business Name",
31 "name": "name",
32 "status": "warning",
33 "sub_label": "Similar Match"
34 },
35 {
36 "category": "sos",
37 "key": "sos_inactive",
38 "label": "SOS Filings",
39 "message": "1 of 2 filings have no status provided",
40 "name": "sos",
41 "status": "warning",
42 "sub_label": "Inactive"
43 },
44 {
45 "category": "phone",
46 "key": "phone",
47 "label": "Phone Number",
48 "message": "Unable to verify the submitted Phone Number",
49 "name": "phone",
50 "status": "warning",
51 "sub_label": "Unverified"
52 },
53 {
54 "category": "address",
55 "key": "address_verification",
56 "label": "Office Address",
57 "message": "Match identified to the submitted Office Address",
58 "name": "address",
59 "status": "success",
60 "sub_label": "Verified"
61 },
62 {
63 "category": "address",
64 "key": "address_deliverability",
65 "label": "Office Address",
66 "message": "The USPS is able to deliver mail to the submitted Office Address",
67 "name": "address",
68 "status": "success",
69 "sub_label": "Deliverable"
70 },
71 {
72 "category": "address",
73 "key": "address_property_type",
74 "label": "Office Address",
75 "message": "Submitted Office Address is a Commercial property",
76 "name": "address",
77 "status": "success",
78 "sub_label": "Commercial"
79 },
80 {
81 "category": "sos",
82 "key": "sos_match",
83 "label": "SOS Filings",
84 "message": "The business is Active in the state of the submitted Office Address",
85 "name": "sos",
86 "status": "success",
87 "sub_label": "Submitted Active"
88 },
89 {
90 "category": "sos",
91 "key": "sos_active",
92 "label": "SOS Filings",
93 "message": "1 of 2 filings are Active",
94 "name": "sos",
95 "status": "success",
96 "sub_label": "Active"
97 },
98 {
99 "category": "watchlist",
100 "key": "watchlist",
101 "label": "Watchlist",
102 "message": "No Watchlist hits were identified",
103 "name": "watchlist",
104 "status": "success",
105 "sub_label": "No Hits"
106 },
107 {
108 "category": "industry",
109 "key": "industry",
110 "label": "Industry Classification",
111 "message": "This business likely does not operate in a high risk industry",
112 "name": "industry",
113 "status": "success",
114 "sub_label": "No Hits"
115 },
116 {
117 "category": "website",
118 "key": "website_status",
119 "label": "Website",
120 "message": "Website was Online when the business record was ordered",
121 "name": "website",
122 "status": "success",
123 "sub_label": "Online"
124 },
125 {
126 "category": "website",
127 "key": "website_verification",
128 "label": "Website",
129 "message": "Successfully found entity details on the submitted Website",
130 "name": "website",
131 "status": "success",
132 "sub_label": "Verified"
133 },
134 {
135 "category": "bankruptcies",
136 "key": "bankruptcies",
137 "label": "Bankruptcies",
138 "message": "The business has no bankruptcy filings",
139 "name": "bankruptcies",
140 "status": "success",
141 "sub_label": "None Found"
142 }
143 ],
144 "assignee": {
145 "object": "user",
146 "id": "827833fe-b442-480e-9e89-d0d309ce090c",
147 "name": "John Smith",
148 "email": "john@example.com",
149 "roles": [
150 "member",
151 "admin"
152 ],
153 "image_url": "https://example.com",
154 "last_login_at": "2020-03-06 19:09:07 UTC"
155 }
156}

How to use insights

To illustrate how users might convert Middesk review insights (or tasks in the API) into a decision, a user might auto approve a business if the all following conditions are met:

TaskMeaning
"key":"name" contains "status":"success" or "status":"warning"The submitted business name was a very close or perfect match to SOS registration data.
"key":"tin" contains "status":"success"The IRS confirmed a match between the submitted business name and TIN.
"key":"sos_active" contains "status":"success"At least one active SOS registration was found for the business.
"key":"watchlist" contains "status":"success"No watchlist hits were found for the business.

And one of the two following conditions are true:

TaskMeaning
"key":"address_verification" is returned and contains "status":"success" or "status":"warning"At least one of the submitted business address(es) was a close or perfect match to SOS registration data.
"key":"person_verification" is returned and contains "status":"success"At least one of the submitted person(s) was a perfect match to SOS registration data.
By programmatically checking the status and key fields in the tasks array returned by the API, you can automate business approvals without manual review.

To scale this further, you can build custom rulesets in your code or use Middesk’s Policies feature to define approval logic directly in the platform. Learn more

Detailed review task documentation

For detailed information about each review task type, including all possible statuses and messages, see the following pages:

Business verification

CategoryDocumentation
Name and address verificationName and address review tasks
TIN verificationTIN review tasks
Secretary of State registrationRegistration review tasks
People verificationPeople review tasks

Screenings

CategoryDocumentation
Sanctions and watchlistsScreen for sanctions and watchlists
KYC verificationKYC implementation
Politically exposed personsPEP screening

Online presence

CategoryDocumentation
Industry classificationIndustry classification review tasks
Web presenceWeb analysis review tasks

Risk assessment

CategoryDocumentation
LiensLien search
Bankruptcies and litigationsLegal records
Adverse mediaAdverse media

For a complete reference of all task attributes and structure, see Business review tasks.

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