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 | 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 |
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
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 1yr ago