> ## Documentation Index
> Fetch the complete documentation index at: https://docs.go.gbgplc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Fraud Insights

> Evaluate identity data for fraud risk in GBG GO and return a numeric fraud score, where higher scores indicate lower risk.

The **Fraud Insights** module evaluates identity data for fraud risk and returns a numeric fraud score. Higher scores indicate lower risk.

This page contains documentation for the **Fraud Insights** module, including its variants, capabilities, and the scoring thresholds it uses.

## UK fraud insights

This variant performs a fraud detection check against UK data sources. It returns a single fraud score between 0 and 1000, divided into three risk tiers.

Required inputs include:

* Full name
* Building
* Thoroughfare
* Locality
* Postal code

Optional inputs include:

* Country
* Administrative area
* Previous addresses

### Capabilities

The module returns a single capability: a fraud score.

#### Fraud score

| Detail | Description |
| ------ | ----------- |
| Type   | Integer     |
| Range  | 0–1000      |

Higher values indicate lower fraud risk. The score is divided into three risk tiers, which the default outcomes use for routing.

### Default outcomes

The module uses score thresholds to classify the result into one of three risk tiers.

| Outcome       | Condition                       | Description                                  |
| ------------- | ------------------------------- | -------------------------------------------- |
| `LOW RISK`    | Fraud score is 700 or higher    | The identity data shows low fraud risk.      |
| `MEDIUM RISK` | Fraud score is 450 to 699       | The identity data shows moderate fraud risk. |
| `HIGH RISK`   | Fraud score is 449 or lower     | The identity data shows elevated fraud risk. |
| `ERROR`       | Default (no conditions matched) | An unexpected error occurred.                |

### Input payload

The following is a sample payload used to submit subject details to the **Fraud Insights** module for processing.

```json JSON theme={null}
{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "subject": {
      "identity": {
        "firstName": "Sarah",
        "lastNames": ["Jones"],
        "dateOfBirth": "1935-11-12",
        "gender": "F",
        "currentAddress": {
          "building": "",
          "thoroughfare": "Chester Square",
          "locality": "London",
          "postalCode": "SW1W 9HH",
          "country": "GBR"
        }
      }
    }
  }
}
```

| Field                                  | Required | Description                                     |
| -------------------------------------- | -------- | ----------------------------------------------- |
| `identity.firstName`                   | Yes      | First name of the subject.                      |
| `identity.lastNames`                   | Yes      | Array containing the last names of the subject. |
| `identity.currentAddress.thoroughfare` | Yes      | Street name.                                    |
| `identity.currentAddress.locality`     | Yes      | Town or city.                                   |
| `identity.currentAddress.postalCode`   | Yes      | Postal code.                                    |
| `identity.currentAddress.building`     | No       | Building or property number.                    |
| `identity.currentAddress.country`      | No       | Three-letter country code, for example `"GBR"`. |
| `identity.dateOfBirth`                 | No       | Date of birth in `YYYY-MM-DD` format.           |
| `identity.gender`                      | No       | Gender of the subject.                          |

### Sample response

The following is a sample response where a fraud score of 750 returned a `LOW RISK` outcome.

```json JSON theme={null}
{
  "response": {
    "advice": {
      "contains": {
        "customDecision": null,
        "fraudScore": 750
      }
    },
    "outcome": "LOW RISK"
  }
}
```