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

{
    "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": "root@veratad.com"
    },
    "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": "bmiller@veratad.com",
        "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.

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