Comment on page

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.

idmatch+ - Previous

United States

Next - phonematch

Verification and Validation

Last modified 7mo ago

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

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

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.