Credit Scoring - Indonesia

This solution provides a concise summary of an applicant's creditworthiness, enabling lenders to make well-informed decisions efficiently.

API Method

Base URL

https://id.apitd.net/credit/data/scoring/v1

API

URL	Request Methods	Content-Type	Output Format	Character Set
api-base-url?partner_code=xxx&partner_key=xxx	POST	application/json	JSON	UTF-8

Authentication

Parameter	Type	Description	Required/Optional	Notes
partner_code	String	Partner Code	Required	assigned by TD
partner_key	String	Partner Key	Required	assigned by TD

Request

Parameter	Type	Description	Required/Optional	Notes
id_number	String	ID number	Required	ID number，KTP
id_type	String	ID type	Required	ID type enumeration value: National ID card: national_id
country	String	Country	Required	Two-digit country code, compliant with ISO 3166 standard. Currently supported: Indonesia (ID)
name	String	Name	Required
phone_number	String	Phone number	Required	Indonesia only supports 10-13 pure numbers and + sign. Plain text only supports the following as the beginning: + 628, 628, 8, 08
app_name	String	App name	Strongly recommended
package_name	String	Package name	Required	Enumeration value, Only one can be selected: Indonesia Site: finscore_5_1_1, fisncore_4_3_1, td_device_credit_score, td_device_credit_score_2: Device Credit Score V2
device_id	String	Device ID	Strongly recommended	It is strongly recommended to fill in the fingerprint if accessing the device.
apply_time	String	Application time	Conditionally required	Required when selecting finscore_5_1_1. Complies with ISO 8601 standard, format YYYY-MM-DDTHH:mm:ss.sssZ, for example, 2021-10-12T14:20:50.521+07:00
gaid	String	Google Advertising ID	Conditionally required	Required when selecting td_device_credit_score and td_device_credit_score_2

Response Parameter

Parameter	Type	Description	Required/Optional	Notes
code	Integer	API status code	Required
message	String	Status information	Optional	In the API exception state, the specific exception reason will be output.
sequence_id	String	Response unique code	Required	Unique identifier used to track each request record
data	Object	Response data	Required
reference	Int	Reference	Optional	Only exists in td_device_credit_score_2. Enumeration values: 1; 2
package_name	String	Package name	Required
score	String	Package score	Required	The meaning of the special value of the score: -1111: Unable to calculate
details	Object	Model details	Optional	Only existing for td_device_credit_score
indicator_name	String	Indicator name	Optional	Only existing for td_device_credit_score, please contact us for the data dictionary.
indicator_value	String	Indicator	Optional	Only existing for td_device_credit_score

API Interface Response Code

Code	Message	Description
200		Success
300	Service not purchased or not effective	Service not purchased or not effective
301	Service not purchased	Service not purchased
302	Service has been suspend	Service has been suspend
303	Not enough balance	Not enough balance
304	Service expired	Service expired
9500	Internal error	Internal error
9060	`{parameter}` empty	`{parameter}` empty
9061	`{parameter}` error	`{parameter}` error
9055	The country partner located has no service	There is no service in your country/region
9050	No record	No record

Response Example-Success

{
    "code":200,
    "data":[
        {
            "package_name": "finscore_4_3_1",
            "score":"554.0"
        }
    ],
    "sequence_id":"3967684575d64e3a9da3a3af1d94****"
}

Response Example for td_device_credit_score

{
    "code":200,
    "data":[
        {
            "score":"0.1121",
            "package_name":"td_device_credit_score",
            "details":[
                {
                    "indicator_name":"top1_feature",
                    "indicator_value":"L2"
                }
            ]
        }
    ],
    "sequence_id":"1706233470******Y082C3398005C001"
}

No record Example for td_device_credit_score

{
    "code":9050,
    "message":"No record",
    "sequence_id":"1706234638486000Y083E238****C001"
}

Response Example for td_device_credit_score_2(reference 1)

{
    "code":200,
    "data":[
        {
            "score":"0.1121",
            "package_name":"td_device_credit_score_2",
            "reference":1,
            "details":[
                {
                    "indicator_name":"top1_feature",
                    "indicator_value":"L2"
                }
            ]
        }
    ],
    "sequence_id":"1706233470******Y082C3398005C001"
}

Response Example fortd_device_credit_score_2(reference 2)

{
    "code": 200,
    "data": [
        {
            "score": "0.1121",
            "package_name": "td_device_credit_score_2",
            "reference": 2
        }
    ],
    "sequence_id": "1706233470******Y082C3398005C001"
}

Failed Example

{
    "code": 9061,
    "message": "country error",
    "sequence_id":"1706212338486000Y083E238****C001"
}