Identity Risk Signals leverages an Identity graph and network to build relationships between onboarding transactions across the web. Trulioo collects application details such as Name, Email, and Phone and delivers Signals that help you assess the risk of the user during onboarding.

Identity Signals is constructed using the enriched key identity data of the global population. This data is based on a variety of trusted vendors with enhanced risk signals.

Within each identity, you have the following information which comprises an individual:

Email
Phone
Address

This information is then compared to the provided information of the user at the moment of account opening to help calculate risk. The model evaluates risk by measuring if the relationships between the identity data of the user match the relationships between the identity data of the actual individual. The level of overlap between the two pieces of information helps Trulioo determine the risk score for the individual

Identity Signals Request

Request Fields

Parameter Name	Parameter Description
FirstGivenName	First Name
FirstSurName	Last Name
Address1	Address
Phone	Phone Number
Email	Email Address

Sample API Request

{
  "VerificationType": "Live",
  "PackageId":"{{PackageId}}",
  "CleansedAddress": false,
  "CountryCode": "US",
  "DataFields": {
    "PersonInfo": {
        "FirstGivenName": "Andrew",
        "FirstSurName": "Smith"
    },
    "Location": {
        "AdditionalFields": {
            "Address1": "123 Main"
        }
    },
    "Risk":{
        "Phone": "+19173401606",
        "Email": "[email protected]",
    }
  },
}

Identity Signals Response

Response Fields

Parameter Name	Parameter Description
Score	Score of Identity Insights model (0-100)
Level	Risk Level of Identity Insights model (Low, Medium, High)
Reasons	Relevant Signals for decision making beyond score

Reasons Fields

Parameter name	Parameter Description
IsEmailValid	Is email address valid
IsEmailDisposable	Is email address disposable
EmailTimeinNetwork	Number of days since the email domain was created
EmailNameMatch	The match status between the input name and email address
EmailAddressMatch	The match status between the input address and email address
IsPhoneValid	Is phone number valid
PhoneNameMatch	The match status between the input name and phone number
PhoneAddressMatch	The match status between the input address and phone number
NameAddressMatch	The match status between the input address and name

Sample API Response

{
  "Signal": "Identity Risk Signals",
  "SignalFields": [
    {
      "Score": 24,
      "Level": "Low",
      "Reasons": {
        "IsEmailValid": true,
        "IsEmailDisposable": false,
        "EmailTimeinNetwork": 234,
        "EmailNameMatch": "Match",
        "EmailAddressMatch": "Country match",
        "IsPhoneValid": true,
        "PhoneNameMatch": "Match",
        "PhoneAddressMatch": "Country match",
        "NameAddressMatch": "Match"
      }
    }
  ]
}