Feature Profiling

Leverage alternative data sources, such as social media activity, online behavior, and demographic information, to provide a more holistic view of an applicant's credit risk.

API Method

Base URL

API

URLRequest MethodsContent-TypeOutput FormatCharacter Set
api-base-url?partner_code=xxx&partner_key=xxxPOSTapplication/jsonJSONUTF-8

Authentication

ParameterTypeDescriptionRequired/OptionalNotes
partner_codeStringPartner CodeRequiredassigned by TD
partner_keyStringPartner KeyRequiredassigned by TD

Request

ParameterTypeDescriptionRequired/OptionalNotes
id_numberStringID numberRequiredID number,KTP, CURP for Mx
id_typeStringID typeRequiredID type enumeration value:
National ID card: national_id
countryStringCountryRequiredTwo-digit country code, compliant with ISO 3166 standard.
Supported countries in Indonesia site: Indonesia (ID)
Supported countries in Singapore site: Mexico (MX), India (IN), Thailand (TH), Colombia (CO), Philippines(PH)
nameStringNameRequired
phone_numberStringPhone numberRequiredIndonesia only supports 10-13 pure numbers and + sign. Plain text only supports the following as the beginning: + 628, 628, 8, 08
India/Mexico/Thailand: without country code, 10 digits in total;
Philippines: without country code, a total of 11 digits
app_nameStringApp nameStrongly recommendedThis field is strongly recommended if the packages exclude behavior_analysis_of_repayment are selected.
package_nameStringPackage nameRequiredEnumeration value:
Indonesia site-Indonesia region:
device_risk_detection:device history risk detection
financial_assessment_level:economic capability assessment level
behavior_analysis_of_repayment :behavior analysis of repayment

Singapore Site-Mexico, India, Thailand, Colombia,Philippines:
credit_rating_estimation: Credit Rating Prediction
multiplatform_multi:Multiplatform
behavior_analysis_of_repayment :behavior analysis of repayment

Only one can be filled .
device_idStringDevice IDConditionally requiredThis field is required if the equipment historical risk detection product is called.

Response Parameter

ParameterTypeDescriptionRequired/Optional
codeIntegerAPI status code
messageStringStatus informationIn the API exception state, the specific exception reason will be output.
sequence_idStringResponse unique codeUnique identifier used to track each request record
dataArray
indicator_nameStringIndicator name
indicator_valueString/intIndicator valueThe meaning of the special value of the indicator:
-1111: Unable to calculate
-999: No record in the library
Remark: the type of parameter will be different according to different indicators
indicator_statusStringIndicator statusEnumeration value:
200: Success
201: No record in the library (no record of mobile phone number and ID number)
202: Indicator cannot be calculated
500: System error

API Interface Response Code

CodeMessageDescription
200SuccessSuccess
300Service not purchased or not effectiveService not purchased or not effective
301Service not purchasedService not purchased
302Service has been suspendService has been suspend
303Not enough balanceNot enought blance
304Service expiredService expired
9500Internal errorInternal error
9060{parameter} empty{parameter} empty
9061{parameter} error{parameter} error
9055The country partner located has no serviceThere is no service in your country/region
9081The format of the phone number does not match with the countryThe format of the phone number does not match with the country

Response Example

{
    "code":200,
    "message":"Success",
    "sequence_id":"53b63090c0374cad82********f8991e",
    "data":[
        {
            "indicator_name":"m_freq_day_loan_l1imbank_60day",
            "indicator_status":200,
            "indicator_value":1
        },
        {
            "indicator_name":"m_freq_apptype_all_all_180day",
            "indicator_status":200,
            "indicator_value":1
        }
    ]
}

Failed Example

{
    "code": 9061,
    "sequence_id": "80b57561b6fb********61ccba263b60",
    "message": "country error"
}