The submission packet - Parser

A packet is one submission. result.submission_packet answers what no single document can.

Field	What it says
`intake`	When and how it arrived (`received_at`, `source`), who sent it (`broker_email`: the form field, or the email’s sender), the merchant it is filed under (`business_identity`: EIN, else your merchant id, else the application’s EIN, else the statements, else the name), what each file was declared to be (`file_declarations`; recorded, never used in place of the classifier) and `request_content_sha256`.
`documents`	Every typed document in packet order (`packet_index`), with its kind, type, pages, fingerprints, status and `excluded_reason`.
`statement_exclusions`	Which documents the decision is not computed from, and why (below), plus `missing_months` only an excluded statement covered. Any exclusion sends the packet to review.
`submission_intelligence`	`company_profile`: business, address and owner fields, each resolved (your request, else the application, else the statements’ majority) with every source it was read from, never more than the SSN’s last four digits. `transaction_coverage`: per account, month by month, covered, reconciled or missing.
`mode_u`	Whether the decision statements are one account’s continuous history (periods day after day, each closing balance the next opening), and if not, why.
`cross_statement`	`balance_chain` (each seam between consecutive statements) and `missing_account_join` (accounts the merchant’s own transfers mention that were not submitted).
`packet_fraud`	Cross-document signals (edited resubmissions, balance-chain breaks, mismatched identities, overstated declared revenue): `{fraud_score, severity, reasons}`. `high` or `critical` sends the packet to review (`packet_cross_document_fraud`).
`review_reasons`	The packet’s own reasons; they are also in the job’s `review_reasons`.

Exclusion reasons

Code	The document is not used because
`duplicate_document`	The same statement appears again in the packet; one copy is used.
`statement_excluded_parse_failed`	Its read failed: nothing usable could be read from it.
`statement_excluded_unreconciled`	It was read, but its ledger did not verify.
`activity_printout_unverified`	It is an online-banking activity printout without a complete running-balance chain, so there is nothing to verify it against.
`unclassified_document`	It is neither a bank statement nor an application.
`period_overlaps_another_statement`	Its period overlaps another statement of the same account.
`account_holder_mismatch`	Its holder shares no word with the merchant’s names (application business and owners, the declared name) nor with any other statement’s holder. Otherwise a differing holder is only flagged.

Reading it

curl -sS "$API/v1/jobs/$JOB_ID" -H "X-API-Key: $KEY" | jq '{
  documents: .result.submission_packet.document_count,
  excluded: [.result.submission_packet.statement_exclusions.excluded_documents[]? | {packet_index, reason_code}],
  fraud: .result.submission_packet.packet_fraud.severity,
  review: .result.review_reasons}'