Fraud Score

IDMatch+Predict Fraud Score assesses the overall risk of an applicant for a new account.

IDMatchPredict5.0.FraudScore

POST https://production.idresponse.com/process/comprehensive/gateway

Make an HTTPS POST request with the following body parameters to find out if the target is a potential fraud risk. You will receive a synchronous response in under 1 second with a result object that includes an action and a detail.

Request Body

Name	Type	Description
user	string	Your account's API username
pass	string	Your account's API password
service	string	The service name (IDMatchPredict5.0.FraudScore)
rules	string	See rules explanation below
reference	string	A unique identifier for your customer
target	object	The individual being sent for verification
account.id	string	The target's unique account ID
account.registration_time	string	The target's account registration timeYYYY-MM-DD HH:MM
fn	string	The target's first name
ln	object	The target's last name
addr	string	The target's street address (line 1 and line 2)
city	string	the target's city
state	string	The target's state
zip	string	The target's zip
ip	string	The target's IP Address (v4 or v6)
phone	string	The target's phone number
email	string	The target's email address
test_key	string	The test key value that you are using to test

200 Transaction processed and result returned

{
    "output": {
        "signals": {
            "phone": {
                "is_valid": true,
                "line_type": "LANDLINE",
                "is_matched_with_name": false,
                "country_code": "US",
                "carrier": "VERIZON"
            },
            "ip_address": {
                "distance_to_phone": 15,
                "date_last_seen": "2021-10-06",
                "is_risky": false,
                "distance_to_address": ""
            },
            "email": {
                "date_first_seen": "2008-04-29",
                "is_valid": true,
                "is_matched_with_name": true
            },
            "identity": {
                "risk_score": 58.2,
                "network_score": 0.401
            },
            "address": {
                "is_valid": false,
                "is_matched_with_name": null
            }
        }
    },
    "meta": {
        "confirmation": 117360891,
        "reference": "",
        "service": "IDMatchPredict5.0.FraudScore",
        "timestamp": "2021-10-06 19:23:45",
        "company": "Veratad Technologies, LLC",
        "user": "[e-mail]"
    },
    "result": {
        "action": "REVIEW",
        "detail": "TRANSACTION REQUIRES FURTHER ATTENTION",
        "issues": [
            "RISK SCORE GREATER THAN 40 AND LESS THAN 80"
        ]
    }
}

Sample Request Body

{
    "user": "USERNAME",
    "pass": "PASSWORD",
    "service": "IDMatchPredict5.0.FraudScore",
    "reference": "12345 {A UNIQUE ID}",
    "rules": "",
    "target": {
        "fn": "Barbara",
        "ln": "Miller",
        "email_address": "[e-mail]",
        "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.