Fraud Insights

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

{
  "resourceId": "your-journey-resourceID@latest",
  "context": {
    "config": {
      "delivery": "api"
    },
    "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

{
  "response": {
    "advice": {
      "contains": {
        "customDecision": null,
        "fraudScore": 750
      }
    },
    "outcome": "LOW RISK"
  }
}

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Platform

API-first integration

Hosted journey

Digital IDs

Resources

UK fraud insights

Capabilities

Fraud score

Default outcomes

Input payload

Sample response

​UK fraud insights

​Capabilities

​Fraud score

​Default outcomes

​Input payload

​Sample response

UK fraud insights

Capabilities

Fraud score

Default outcomes

Input payload

Sample response