1. Design Principle
When an ignore is invoked, JIL creates a permanent, immutable OPERATOR_OVERRIDE record on the JIL L1 ledger. This record is SHA-256 sealed and Dilithium-signed (post-quantum). It cannot be deleted, modified, or suppressed - not by the client, not by JIL.
A single override may reflect legitimate business judgment. A pattern of OPERATOR_DISCRETION overrides on the same payee, approved by the same supervisor over many months, is a documented pattern of willful payment to a known-flagged entity. The ignore log is included in every Investigation Engine findings package. It is the primary evidence source for departmental abuse investigations.
2. Processing Flow
Step 1: JIL runs all checks (always - cannot be skipped) Step 2: Verdict returned: BLOCK or REVIEW, with full check results Step 3: Client submits ignore request with verdict_id, operator_id, reason_code, justification Step 4: JIL writes OPERATOR_OVERRIDE record to audit ledger (immutable, cannot be deleted) Step 5: JIL returns ignore_id and ignore_receipt_hash Step 6: Client system releases payment Step 7: Post-ignore payment logged separately, linked to override record
3. POST /v1/bid/ignore
Request
{
"verdict_id": "VRD-2026-04102847",
"check_ids_ignored": ["ID-008", "ID-013"],
"operator_id": "OPR-JSMITH-0441",
"operator_role": "compliance_officer",
"reason_code": "KNOWN_EXCEPTION",
"justification": "Provider confirmed active by phone. DMF match is false positive - DOB mismatch on record.",
"supervisor_approval": "OPR-BJONES-0112",
"payment_amount": "47200.00",
"payment_currency": "USD"
}
| Field | Type | Required | Notes |
|---|---|---|---|
verdict_id | string | YES | The verdict being overridden |
check_ids_ignored | array | YES | Which specific check IDs are overridden |
operator_id | string | YES | Authenticated operator, links to RBAC |
operator_role | string | YES | compliance_officer, payment_ops, senior_manager, etc. |
reason_code | string | YES | See reason code list below |
justification | string | YES for BLOCK | Free-text, stored in audit record |
supervisor_approval | string | Conditional | Required for all BLOCK overrides in enterprise tier |
payment_amount | string | Recommended | Logged against override for exposure tracking |
payment_currency | string | Optional | ISO 4217 |
Response
{
"ok": true,
"ignore_id": "IGN-2026-0091234",
"verdict_id": "VRD-2026-04102847",
"override_status": "LOGGED",
"payment_cleared": true,
"log_entry": {
"event_type": "OPERATOR_OVERRIDE",
"original_verdict": "BLOCK",
"checks_overridden": ["ID-008 (deceased_flag=true)", "ID-013 (oig_excluded=true)"],
"operator_id": "OPR-JSMITH-0441",
"operator_role": "compliance_officer",
"reason_code": "KNOWN_EXCEPTION",
"justification": "Provider confirmed active by phone...",
"supervisor_approval": "OPR-BJONES-0112",
"payment_amount": "$47,200.00",
"timestamp": "2026-04-10T14:22:08.000Z",
"client_id": "CLT-UHG-0001"
},
"ignore_receipt_hash": "sha256:a3f2c8e1d4b5...",
"dilithium_signed": true,
"reproducible": true,
"deletable": false
}
4. Reason Codes
reason_code | Meaning | Supervisor Required | Regulatory Risk |
|---|---|---|---|
| KNOWN_EXCEPTION | Operator has out-of-band confirmation that flag is incorrect for this specific payee | For BLOCK: yes | HIGH - document source |
| FALSE_POSITIVE_CONFIRMED | Operator has confirmed flag is a system error (e.g. DMF name collision, wrong DOB) | For BLOCK: yes | HIGH - document method |
| LEGAL_OBLIGATION | Institution legally must pay regardless (court order, settlement) | Yes | MEDIUM - document basis |
| TRANSITIONAL_PAYMENT | One-time close-out payment (final invoice, termination pay) | For BLOCK: yes | HIGH |
| REGULATORY_WAIVER | Regulatory body has granted explicit waiver | Yes | LOW - reference number |
| OPERATOR_DISCRETION | Operator is proceeding at their own discretion without specific justification | Yes | CRITICAL - highest audit risk; monitored |
5. Kafka Event
Ignore events are emitted to the jil.bid.events topic with event type BID_IGNORE_LOGGED.
{
"event_type": "BID_IGNORE_LOGGED",
"ignore_id": "IGN-2026-0091234",
"verdict_id": "VRD-2026-04102847",
"checks_overridden": ["ID-008", "ID-013"],
"original_verdict": "BLOCK",
"reason_code": "KNOWN_EXCEPTION",
"operator_role": "compliance_officer",
"payment_amount": "47200.00",
"timestamp": "2026-04-10T14:22:08.000Z"
}
6. Ignore Pattern Analytics
JIL provides GET /v1/bid/ignore/patterns (Enterprise tier) that returns aggregated ignore pattern analysis for the client's account:
- Top payees by override count
- Operators with highest override rates
- Reason code distribution
- Checks most frequently overridden
- Time-series of override events
- Correlation between override patterns and subsequent fraud findings
This endpoint is the primary tool for compliance teams to identify departmental abuse patterns before they become investigative findings.
Related specifications
- BID API Specification v1.0
- BID Extended Identity Checks (ID-008 through ID-016)
- Retroactive Identity Integrity Audit
(c) 2026 JIL Sovereign Technologies, Inc. All rights reserved. Patent Pending.