Phone Insights Score

introduction the phone insights score api provides a comprehensive risk assessment of a user based solely on their phone number it aggregates data from carrier records, porting history, sim activity, and deactivation events to generate a trust score that reflects the reliability and authenticity of the user’s phone identity this api is a powerful tool for fraud prevention, risk profiling, and enhancing decision making during user onboarding or transaction verification a higher score indicates higher trustworthiness and lower risk associated with the phone number key benefits real time phone based risk scoring for fraud detection enhanced onboarding decisions using trusted telecom data reduced manual checks with automated risk signals seamless integration into kyc and fraud prevention workflows common use cases fintech & lending risk assessment evaluate risk of identity fraud before approving loans or credit using phone based risk indicators e commerce transaction verification use phone trust score to flag high risk users or transactions during checkout fraud prevention in digital wallets detect fraud or recently ported numbers before allowing sensitive actions like money transfers or password resets customer onboarding in telecom & utilities assess user legitimacy based on deactivation patterns and sim activity before issuing services authentication & login flows use score as an additional risk signal to trigger step up authentication or challenge mechanisms ride sharing, gig, or rental platforms quickly assess the trust level of new users or drivers/renters through phone number intelligence sample curl curl location 'https //api signzy us/api/v3/us kyc/phone insights score' \\ \ header 'authorization ' \\ \ header 'content type application/json' \\ \ data '{ "consentstatus" "", "phonenumber" "xxxxxxxxxx", "countrycode" "us", "consentoptintype" "whitelist", "consentoptinmethod" "tco", "consentoptinduration" "one", "consentoptinid" "xxxxxx", "consentoptintimestamp" "2019 09 18t00 13 37 667z", “consentoptinurl” “www example com” // optional field }' curl location 'https //api preproduction signzy us/api/v3/us kyc/phone insights score' \\ \ header 'authorization ' \\ \ header 'content type application/json' \\ \ data '{ "consentstatus" "optedin", "phonenumber" "xxxxxxxxxx", "countrycode" "us", "consentoptintype" "whitelist", "consentoptinmethod" "tco", "consentoptinduration" "one", "consentoptinid" "xxxxxx", "consentoptintimestamp" "2019 09 18t00 13 37 667z", “consentoptinurl” “www example com” // optional field }' request body parameters key type mandatory description consentstatus string true the consent status of the phone number possible values are optedin the end user has provided consent for the collection of their personal data optedout the end user has refused to allow collection of their personal data notcollected no attempt has been made to obtain consent from the end user unknown the status of consent collection is unknown phonenumber string true the phone number being queried formats accepted 1xxxxxxxxxx +1xxxxxxxxxx countrycode string true the country code associated with the phone number only us should be passed here we also have canada (ca) in the roadmap consentoptintype string true the type of opt in value should be "whitelist" here consentoptinmethod string true the method used to collect consent • tco – online t\&c’s • ma – mobile app • tcp – paper t\&c’s • ivr – via ivr • sms – text • other consentoptinduration string true indicates if consent is for single use or ongoing • one – single use • ong – ongoing consentoptinid string true a unique identifier for tracking the consumer’s opt in consentoptintimestamp string true date/time when consent was obtained (iso 8601 utc format) example format {2025 03 18t00 13 37 667z} consentoptinurl string false url where the consumer provided consent (one time) or url of t\&c/privacy policy (ongoing) sample response response { "result" { "requestid" "f4c0d35b 1a8e 437c a140 922121b2ce7c", "description" "success", "response" { "phonenumber" "xxxxxxxxx", "linetype" "wireless", "carrier" { "name" "xxx", "originalname" "xxxx xxx xxx", "ocn" "xxxx" }, "deactinfo" { "lastdeacttype" "", "lastdeactdate" "", "lastcarriername" "" }, "portinginfo" { "ported" "false", "tenure" { "mindays" "", "maxdays" "" }, "lastcarrier" { "name" "", "originalname" "" } }, "countrycode" "us", "score" 1000 } }, "reason" "request successful", "code" "s001" } response body parameters key type description requestid string the requestid from the request, reflected back for tracking purposes description string a text string that defines the cause of the status code it can be success or partial success response object the response object containing trust score details phonenumber string the phone number associated with the subscriber linetype string line type associated with the phone number possible values are wireless, landline, non fixed voip, fixed voip carrier name string standardized short name of the carrier (e g , att, vzw) carrier originalname string full carrier name from the previous api carrier ocn string operating company number – unique identifier for telecom carriers deactinfo lastdeacttype string indicates whether the number was deactivated or swapped mobile phones only possible values deact – deactivated swap – swapped mobile phones only deactinfo lastdeactdate string the date that the phone number was last deactivated mobile phones only deactinfo lastcarriername string the name of the previous carrier mobile phones only portinginfo ported string (true / false) indicates whether the phone number has been ported from another carrier all phone types possible values true, false portinginfo tenure mindays string the minimum number of days since the number has been ported all phone types, all carriers portinginfo tenure maxdays string the maximum number of days since the number has been ported all phone types, all carriers portinginfo lastcarrier name string standardized name of the last carrier before porting portinginfo lastcarrier originalname string full name of the last carrier before porting countrycode string country code of the phone number (e g , us) score integer trust score metric (e g , 1000 is highest trust level) it ranges between 0 to 1000 sample error e601 internal server error { "result" {}, "reason" "internal server error", "status" "failure", "code" "e601" } e001 invalid regex { "result" {}, "status" "failure", "reason" "bad request \\"consentstatus\\" must be one of \[optedin, optedout, notcollected, unknown]", "code" "e001" } \ { "result" {}, "reason" "bad request \\"phonenumber\\" must start with +1 or 1 and be followed by exactly 10 digits ", "code" "e001" } \ { "result" {}, "status" "failure", "reason" "bad request \\"countrycode\\" must be one of \[us, ca]", "code" "e001" } \ { "result" {}, "reason" "bad request \\"consentoptintype\\" is not valid ", "code" "e001" } e001 empty required field { "result" {}, "status" "failure", "reason" "bad request \\"phonenumber\\" is not allowed to be empty", "code" "e001" } e401 upstream failure { "result" {}, "reason" "upstream error", "status" "failure", "code" "e401" } e001 invalid phone number // regex passed but phone number is invalid { "result" {}, "reason" "bad request \\"phonenumber\\" entered is invalid", "code" "e001" } error response parameters parameter description result empty result object reason reason for error status s tatus of the api c ode error code from signzy error codes http status code error code description 400 e001 bad request 401 e1001 unauthorized access 403 e201 forbidden 409 e401 upstream error 429 e501 rate limit exceeded 500 e601 internal server error 503 e701 service unavailable 504 e801 timeout success codes http status code success code description 200 s001 request successful getting help please feel free to contact us if you have any questions, require clarification, or have ideas for how to make the documents 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