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

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JSON Schema

{
  "$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`."
}