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
Risk score is >= 80 and email first seen in the last 90 days
REVIEW
TRANSACTION REQUIRES FURTHER ATTENTION
See the full list of possible issues below
PASS
ALL CHECKS PASSED
The identity risk score is <= 40
Issues
Issue
Description
RISK SCORE GREATER THAN 40 AND LESS THAN 80
The identity risk score is between 40 and 80
RISK SCORE GREATER THAN OR EQUAL TO 80
The identity risk score is greater than or equal to 80
EMAIL FIRST SEEN IS LESS THAN 90 DAYS
The date the email address was first seen in the network is less than 90 days ago
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:
Fraud score is <= 40
The base ruleset will return a REVIEW when:
Fraud Score is > 40 and < 80 or
Fraud Score is >= 80 and email first seen is > 90 days
The base ruleset will return a FAIL when:
Fraud Score is >= 80 and email first seen is < 90 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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Verification and Validation

Last modified 1yr ago

Action	Detail	Description
FAIL	RISKY CUSTOMER	Risk score is >= 80 and email first seen in the last 90 days
REVIEW	TRANSACTION REQUIRES FURTHER ATTENTION	See the full list of possible issues below
PASS	ALL CHECKS PASSED	The identity risk score is <= 40

Issue	Description
RISK SCORE GREATER THAN 40 AND LESS THAN 80	The identity risk score is between 40 and 80
RISK SCORE GREATER THAN OR EQUAL TO 80	The identity risk score is greater than or equal to 80
EMAIL FIRST SEEN IS LESS THAN 90 DAYS	The date the email address was first seen in the network is less than 90 days ago

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.