Identity verification reason codes

const review = await straddle.customers.review(customerId);

// Each module has its own codes array
const fraudCodes = review.identity_details.breakdown.fraud.codes;
const emailCodes = review.identity_details.breakdown.email.codes;
const phoneCodes = review.identity_details.breakdown.phone.codes;

// Example response
console.log(fraudCodes);
// ["I1004", "I520", "R203"]  
//  ↑        ↑       ↑
//  Match 4+ Consortium | Email low risk | Multiple SSNs

async function handleReasonCodes(customerId) {
  const review = await straddle.customers.review(customerId);
  const allCodes = [];
  
  // Collect all codes from all modules
  Object.values(review.identity_details.breakdown).forEach(module => {
    if (module.codes) allCodes.push(...module.codes);
  });
  
  // Priority 1: Check for blocking codes
  const blockingCodes = ['R180', 'R184', 'R298', 'R299'];
  if (allCodes.some(code => blockingCodes.includes(code))) {
    return { action: 'reject', reason: 'High risk or compliance issue' };
  }
  
  // Priority 2: Check for fixable issues
  const fixableIssues = {
    'R201': 'Invalid SSN - please verify',
    'R551': 'Invalid email - please update',
    'R603': 'Invalid phone - please update',
    'R703': 'Address not found - please verify'
  };
  
  for (const [code, message] of Object.entries(fixableIssues)) {
    if (allCodes.includes(code)) {
      return { action: 'request_update', message, field: getFieldFromCode(code) };
    }
  }
  
  // Priority 3: Check risk threshold
  const riskCodes = allCodes.filter(code => code.startsWith('R'));
  if (riskCodes.length > 5) {
    return { action: 'manual_review', codes: riskCodes };
  }
  
  // All clear
  return { action: 'approve' };
}

const CODE_MESSAGES = {
  // Invalid input
  'R201': 'The Social Security Number appears to be invalid. Please double-check and re-enter.',
  'R551': 'We couldn\'t verify this email address. Please use your primary email.',
  'R603': 'This phone number couldn\'t be verified. Please ensure it\'s a valid US number.',
  'R703': 'We couldn\'t find this address. Please verify the street address and ZIP code.',
  
  // Identity issues  
  'R203': 'We need additional information to verify your identity. Please contact support.',
  'R298': 'We\'re unable to verify your identity at this time. Please contact support.',
  
  // Watchlist
  'R180': 'Additional review required. Our compliance team will contact you within 24 hours.',
};

function getUserMessage(codes) {
  for (const code of codes) {
    if (CODE_MESSAGES[code]) {
      return CODE_MESSAGES[code];
    }
  }
  return 'We need to review your application. You\'ll hear from us soon.';
}