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.

UK fraud insights

Performs a fraud detection check against UK data sources and returns a single fraud score between 0 and 1000, divided into three risk tiers. Higher scores indicate lower fraud risk.

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"
  }
}