Mastercard · Schema

InsightFactor

The insight factor is represented numerically using a range from 0 (no risk data) to 5 (high risk). Each numerical value and its associated risk representation is shown below. * `0` - Represents an unknown risk because no data on this device is available. * `1` - Represents a no or low risk request. * `2` - Represents a low risk request. * `3` - Represents a medium risk request. * `4` - Represents a high risk request. * `5` - Represents a very high risk request. The insight factor is typically used to identify scenarios where a service provider may want to introduce consumer friction on the authorization process to validate the identity of the consumer. Example usage by a service provider may be to implement controls such as multifactor authentication for calculated risk factors of `3` or `4` and request blocking for risk factors of `5`.

Credit CardsDigital IdentityFinancial-ServicesFraud DetectionOpen BankingPaymentsFortune 500
View JSON Schema on GitHub

JSON Schema

mastercard-identity-insights-for-transactions-insight-factor-schema.json Raw ↑
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "title": "InsightFactor",
  "type": "integer",
  "description": "The insight factor is represented numerically using a range from 0 (no risk data) to 5 (high risk). Each numerical value and its associated risk representation is shown below.\n* `0` - Represents an unknown risk because no data on this device is available.\n* `1` - Represents a no or low risk request.\n* `2` - Represents a low risk request.\n* `3` - Represents a medium risk request.\n* `4` - Represents a high risk request.\n* `5` - Represents a very high risk request.\n\nThe insight factor is typically used to identify scenarios where a service provider may want to introduce consumer friction on the authorization process to validate the identity of the consumer. Example usage by a service provider may be to implement controls such as multifactor authentication for calculated risk factors of `3` or `4` and request blocking for risk factors of `5`."
}

Work with this as data

Every JSON Schema here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for schemas

4 MCP tools reach this
  • find_json_schemasBrowse and filter every JSON Schema in the catalog.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This JSON Schema
curl "https://apis.io/api/v1/json-schemas/mastercard-identity-insights-for-transactions-insight-factor"
All schemas
curl "https://apis.io/api/v1/json-schemas?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

A second provider on the same verified email joins the account you already have.