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
{
"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"
}
}
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 |
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 |
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
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. |
Last modified 1mo ago