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
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_address*
string
The target's IP address (v4 or v6)
phone*
string
The target's phone number
email_address*
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": "[email protected]"
},
"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": "[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.
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
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.
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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