Document Processing Integration

This guide covers adding document processing for income and employment verification.

Overview

Truv's document processing solution helps you collect user documents. These files are then processed to extract structured data and analysed for fraud. The two points below cover common reasons for using document processing:

  • Back up plan for unsuccessful payroll connection attempts or user data isn't processed
  • Standalone solution to process collect user documents and parse those into structured data schema.

Configuring your document processing

The points below cover user information to collect when integrating your document processing solution.

  • Document type required, such as paystubs, W2, and 1099

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Note

For 1099 tax documents, Truv supports parsing for formatting from any year after 2021. This includes the following 1099 forms.

  • 1099-DIV, 1099-G, 1099-INT, 1099-MISC, 1099-NEC, 1099-R
  • Number of documents required for each type
  • Applicant first_name and last_name

In addition, you can add a specific message for your users displayed in Truv Bridge. Contact Truv for additional configuration settings.

Bridge Token specifications

When creating a Bridge Token for the User, document upload requires additional values in the request. Include the product_type = income and data_sources = ["docs"] in the configuration from the cURL sample below.

curl --request POST \
     --url https://prod.truv.com/v1/users/{user_id}/tokens/ \
     --header 'X-Access-Client-Id: {{client_id}}' \
     --header 'X-Access-Secret: {{access_key}}	' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
     "product_type": "income",
     "data_sources": ["docs"],
     "tracking_info": "any data for tracking current transaction"
}
'

Example response

The JSON data below contains a sample report payload when including document uploads.

{
  "id": "24d7e80942ce4ad58a93f70ce4115f5c",
  "status": "new",
  "finished_at": "2021-04-06T11:30:00Z",
  "completed_at": "2021-04-06 11:30:00+00:00",
  "access_token": "48427a36d43c4d5aa6324bc06c692456",
  "tracking_info": "user123456",
  "refresh_status": null,
  "employments": [
    {
      "income": null,
      "income_unit": null,
      "pay_frequency": null,
      "statements": [
        {
          "id": "24d7e80942ce4ad58a93f70ce4115f5c",
          "check_number": null,
          "pay_date": "2018-05-15",
          "net_pay": "11500.32",
          "net_pay_ytd": "31980.64",
          "gross_pay": "13900.11",
          "gross_pay_ytd": "49200.00",
          "bonus": "100.00",
          "commission": "12000.00",
          "hours": "40.00",
          "basis_of_pay": "S",
          "period_start": "2018-05-01",
          "period_end": "2018-05-15",
          "regular": "1695.11",
          "regular_ytd": "23000.00",
          "other_pay_ytd": "700.00",
          "bonus_ytd": "1000.00",
          "commission_ytd": "24000.00",
          "overtime": "45.00",
          "overtime_ytd": "500.00",
          "other_pay": "60.00",
          "earnings": [
            {
              "name": "Regular",
              "amount": "1935.77",
              "category": "regular",
              "rate": null,
              "units": null
            },
            {
              "name": "Overtime",
              "amount": "60.58",
              "category": "overtime",
              "rate": "30.29",
              "units": "2"
            }
          ],
          "earnings_ytd": [
            {
              "name": "Regular",
              "amount": "1935.77",
              "category": "regular",
              "rate": null,
              "units": null
            },
            {
              "name": "Overtime",
              "amount": "60.58",
              "category": "overtime",
              "rate": "30.29",
              "units": "2"
            }
          ],
          "deductions": [
            {
              "amount": "127.01",
              "category": "socialsec",
              "name": "Social Security Tax"
            },
            {
              "amount": "46.23",
              "category": "state",
              "name": "VA State Income Tax"
            },
            {
              "amount": "29.7",
              "category": "medicare",
              "name": "Medicare Tax"
            }
          ],
          "deductions_ytd": [
            {
              "amount": "127.01",
              "category": "socialsec",
              "name": "Social Security Tax"
            },
            {
              "amount": "46.23",
              "category": "state",
              "name": "VA State Income Tax"
            },
            {
              "amount": "29.7",
              "category": "medicare",
              "name": "Medicare Tax"
            }
          ],
          "md5sum": "03639d6a6624f69a54a88ea90bd25e9d",
          "file": "https://citadelid-resources.s3-us-west-2.amazonaws.com/paystub_sample.pdf",
          "derived_fields": [
            "basis_of_pay"
          ],
          "missing_data_fields": [
            "earnings_ytd"
          ]
        }
      ],
      "annual_income_summary": [
        {
          "id": "24d7e80942ce4ad58a93f70ce4115f5c",
          "year": 2018,
          "regular": "23000.00",
          "bonus": "1000.00",
          "commission": "24000.00",
          "overtime": "500.00",
          "other_pay": "700.00",
          "net_pay": "31980.64",
          "gross_pay": "49200.00"
        }
      ],
      "bank_accounts": [
      ],
      "w2s": [
        {
          "file": "https://citadelid-resources.s3-us-west-2.amazonaws.com/W2_sample.pdf",
          "md5sum": "f65e30c39124ad707ac4b3aeaee923a7",
          "year": 2020,
          "wages": "900.50",
          "federal_tax": "75.01",
          "social_security_wages": "900.50",
          "social_security_tax": "56.30",
          "medicare_wages": "900.50",
          "medicare_tax": "13.15"
        }
      ],
      "id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "is_active": false,
      "job_title": null,
      "job_type": null,
      "start_date": "2018-01-01",
      "original_hire_date": null,
      "end_date": "2022-06-16",
      "external_last_updated": "2022-06-16",
      "dates_from_statements": true,
      "derived_fields": [
        "is_active"
      ],
      "missing_data_fields": [
      ],
      "manager_name": "Jenny McDouglas",
      "profile": {
        "first_name": "John",
        "last_name": "Doe",
        "middle_initials": "K",
        "email": null,
        "ssn": "6789",
        "date_of_birth": null,
        "home_address": {
          "street": "1 Morgan Ave",
          "city": "Los Angeles",
          "state": "CA",
          "zip": "90210",
          "country": "US"
        }
      },
      "company": {
        "name": "Facebook Demo",
        "address": {
          "street": "1 Morgan Ave",
          "city": "Los Angeles",
          "state": "CA",
          "zip": "90210",
          "country": "US"
        },
        "phone": null
      }
    }
  ],
  "pdf_report": "https://citadelid-resources.s3-us-west-2.amazonaws.com/report.pdf",
  "provider": "doc_upload",
  "data_source": "docs"
}

Testing document upload solutions

When implementing VOIE in your workflow for document uploads, use the Testing guide to try different scenarios within the sandbox. The sections below and the Document processing testing page provide PDFs to upload and test various scenarios.

Document processing testing

When testing for Integrating Document Processing, the PDF downloads in the list below cover different scenarios for sandbox use.

Upload the documents for testing different sandbox response results. Pay statements and tax documents return data when successful. Unsuccessful uploads respond with status updates.

Suspicious document detection

Documents from uploads may have fraudulent, consistent, or unacceptable data. When encountering these issues, mark specific instances for review. Prevent malicious activity with additional analysis and attention.

View the table below for various scenarios and PDF examples.

ScenarioDescriptionDownloads
Tampered documentsInformation is falsified or manipulatedTampered 1, Tampered 2, Tampered 3
Different Social Security NumbersPersonal information is inconsistentSSN 1, SSN 2, SSN 3
Different company namesCompany information is inconsistentCompany 1, Company 2, Company 3
Different applicant namesPersonal information is inconsistentApplicant 1, Applicant 2, Applicant 3
Documents without data, or with invalid dataInformation is missing or unable to be parsedNo data 1, No data 2, No data 3

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Note

Test scenarios use the file name to return results. Testing ignores the file contents when in the sandbox.


What’s Next

Use the guide below to begin implementing Truv VOIE into your workflow.