Extended Identity Checks: ID-008 through ID-016

1. Overview

This addendum extends BID API Specification v1.0 with five new identity verification endpoints. The existing BID check/person endpoint verified sanctions, PEP status, adverse media, and name-to-account match. It did not verify whether the person was alive, whether they were eligible for the program paying them, whether their professional license was active, whether they were authorized to work, or whether they held the citizenship status required for the payment type.

The single most important vulnerability: a deceased person with a valid IBAN, a clean OFAC record, and no adverse media scored 80 out of 100 under the existing trust score model. That is the "safe to release funds" threshold. A provider whose license was revoked six months ago scored identically. Both gaps are now closed.

2. Check ID Matrix

3. POST /v1/bid/check/deceased

Check IDs: ID-008, ID-009. Annual fraud addressed: $1.8B+ (SSA) + $2B+ (Medicare/Medicaid ghost providers).

Purpose. Cross-reference a person against the SSA Death Master File, state vital records (50 states + DC via CDC/NCHS National Death Index), CMS provider deactivation registry, and LexisNexis deceased alerts. Returns a deceased_flag that overrides trust score when triggered.

Data sources

• SSA Death Master File (DMF) - SSA Information Verification Services DUA, annual certification
• CDC/NCHS National Death Index - NCHS research agreement
• State vital records (50 states + DC) - state-by-state DUA; NDI as primary aggregator
• CMS Provider Deactivation Registry - CMS BPS data sharing agreement
• LexisNexis Deceased Alerts - commercial API (fallback for international and non-NDI states)

Request fields

Response

{
  "deceased_flag": false,
  "deceased_confidence": "none",
  "dmf_match": false,
  "state_records_match": false,
  "cms_deactivated": false,
  "date_of_death": null,
  "trust_score_delta": 0,
  "verdict_override": null
}

Verdict logic

• deceased_confidence = "confirmed" OR dmf_match = true OR cms_deactivated = true - trust score set to 0, verdict overridden to BLOCK.
• deceased_confidence = "probable" - trust score -40, routed to REVIEW.
• deceased_confidence = "possible" - trust score -15, flagged for monitoring.

Pricing

4. POST /v1/bid/check/eligibility

Check IDs: ID-010, ID-011. Annual fraud addressed: $175B+ (federal improper payments).

Purpose. Verify that a person or entity is currently enrolled in and eligible for the specific program associated with the payment. Cross-references SSA NUMIDENT, CMS PECOS, DHS SAVE, OIG LEIE, SAM.gov, and state MMIS systems.

Supported program types

Hard BLOCK conditions

• oig_excluded = true
• enrollment_status = "terminated" or "suspended"
• sam_debarred = true

REVIEW conditions

• payment_exceeds_limit
• eligibility_expiring_soon (within 30 days)
• dhs_save_mismatch
• program_id_not_found
• work_activity_detected (for SSDI)

Pricing

5. POST /v1/bid/check/license

Check IDs: ID-012, ID-013. Annual fraud addressed: $60B+ (healthcare billing fraud).

Purpose. Verify that a professional, provider, or institutional license is currently active and in good standing at the time of payment. Cross-references NPI registry, state licensing boards, OIG exclusion list, and DEA controlled substance schedules.

Data sources

• CMS NPPES (NPI Registry) - public API
• OIG LEIE - public API
• DEA Practitioner Registration - DEA Diversion Control Division API
• State medical licensing boards (50 states) - direct state APIs + Docktor aggregator
• NURSYS - national nursing licensure database
• State bar associations
• FINRA BrokerCheck - public API
• SEC EDGAR / IARD - public access

Supported license types

Hard BLOCK conditions

• license_status = "revoked" or "suspended"
• oig_excluded = true
• npi_active = false (healthcare providers)

Pricing

6. POST /v1/bid/check/employment

Check IDs: ID-014, ID-015. Annual fraud addressed: $50B+ (payroll fraud).

Purpose. Verify work authorization status and payroll identity integrity. Detects ghost employees, unauthorized workers, and payroll identity fraud. Cross-references E-Verify, IRS TIN Match, and SSA wage records.

Data sources

• E-Verify (DHS/USCIS) - JIL enrolls as EEA; employer MOU required per client
• IRS TIN Matching Program - IRS e-Services enrollment; payer status required
• SSA Wage Record Query (WRIS) - SSA agency agreement
• DHS SAVE - benefit-issuing entity enrollment
• Equifax The Work Number - commercial API with permissible purpose

Response

{
  "work_authorized": true,
  "work_auth_status": "authorized",
  "work_auth_expiration": null,
  "authorization_basis": "usc",
  "tin_match": true,
  "tin_match_status": "match",
  "employment_confirmed": true,
  "wage_range_flag": false
}

Pricing

7. POST /v1/bid/check/citizenship

Check IDs: ID-016. Annual fraud addressed: $10B+ (improper entitlement payments).

Purpose. Verify citizenship status, immigration status, and residency eligibility as required for program participation or payment authorization. Also serves as the foundation for voter registration integrity checks.

Data sources

• DHS SAVE (Systematic Alien Verification for Entitlements)
• USCIS immigration records
• SSA Citizenship Records (NUMIDENT)
• State vital records (birthplace and naturalization)
• State DMV records (residency confirmation)

Supported check types

Pricing

8. Composite Bundle Pricing

10% bundle discount applied. Recommended for government payment corridors and healthcare rails.

Appendix A - Investigation Engine Input Schema

When running a retroactive identity integrity investigation, submit a structured payment record dataset. See the full schema at JIL Investigation Engine Input Schema for required and optional fields, including payment record, person identity, entity identity, professional credentials, address, bank account, marital status, and investigation configuration sections.

Related specifications

• BID API Specification v1.0 - core endpoints
• Ignore Flag API - operator override with immutable audit trail
• Retroactive Identity Integrity Audit - full forensic product spec
• FWEA Framework - the 9-category, 69-check Verdict Engine

(c) 2026 JIL Sovereign Technologies, Inc. All rights reserved. Patent Pending. Data handling subject to applicable privacy laws including HIPAA, the Privacy Act of 1974, the Computer Fraud and Abuse Act, and applicable state statutes. Government database access requires applicable data use agreements, enrollment, and legal review prior to production deployment.