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Fraud Score

IDMatch+Predict Fraud Score assesses the overall risk of an applicant for a new account.
post
https://production.idresponse.com
/process/comprehensive/gateway
IDMatchPredict5.0.FraudScore

Sample Request Body

{
"user": "USERNAME",
"pass": "PASSWORD",
"service": "IDMatchPredict5.0.FraudScore",
"reference": "12345 {A UNIQUE ID}",
"rules": "",
"target": {
"fn": "Barbara",
"ln": "Miller",
"email_address": "[email protected]",
"ip_address": "2600:100c:b21d:431e:2ac:edaf:20ef:9fd5",
"account": {
"id": "587156",
"registration_time": "2021-07-22 21:45"
},
"addr": "123 Main St",
"city": "Dallas",
"state": "Tx",
"zip": "75215",
"phone": "2015106000",
"test_key": "predict_fraudscore_review"
}
}

Action and Detail Responses

The following are all values that will be returned in the result object of the response.
Action
Detail
Description
FAIL
RISKY CUSTOMER
Identity risk score, network score, IP risk score, and email age all exceed their respective thresholds
REVIEW
TRANSACTION REQUIRES FURTHER ATTENTION
See the full list of possible issues below
PASS
ALL CHECKS PASSED
Identity risk score, network score, IP risk score, and email age all within their respective thresholds

Issues

Issue
Description
RISK SCORE GREATER THAN OR EQUAL TO X SCORE
The identity risk score greater than or equal to X score
IP RISK SCORE GREATER THAN OR EQUAL TO X SCORE
The IP risk score is greater than or equal to X score
NETWORK RISK SCORE GREATER THAN OR EQUAL TO X SCORE
The Identity network score is greater than or equal to X score
EMAIL IS LESS THAN X DAY(S) OLD
The days since email first seen date is less than X days

Rules

IDMatchPredict5.0.FraudScore will process with the default base ruleset unless a different rule set is specified in the query.
The base ruleset will return a PASS when:
  • Identity risk score < 50
  • IP risk score < 60
  • Identity network score < 60
  • Days since email first seen date >= 100 days
The base ruleset will return a REVIEW when:
  • Identity risk score >= 50
  • IP risk score >= 60
  • Identity network score >= 60
  • Days since email first seen date < 100 days
The base ruleset will return a FAIL when:
  • Identity risk score >= 50 AND IP risk score >= 60 AND Identity network score >= 60 AND days since email first seen date < 100 days

Testing

When the test_key is provided the system will dynamically drop the live data sources and use the testing database. These transactions are free of charge. To access live data do not send this attribute. Here are available test cases for the fraud score service.
Key
Description
predict_fraudscore_pass
The action will always return as PASS regardless of the target attributes.
predict_fraudscore_review
The action will always return as REVIEW regardless of the target attributes.
predict_fraudscore_fail
The action will always return as FAIL regardless of the target attributes.