curl --location --request POST 'https://api.fraud.insights-periculum.io/api/monitor' 
--header 'Authorization: Bearer string_encrypted_access_token' 
--header 'Content-Type: application/json' 
--data '{pass in your transaction payload here}'

Header

Header	Type	Description
Authorization	string	public secret key

Bank Transaction

Request

{
    "timestamp": 1717049888.761767,
    "type": "bank_transaction",
    "event": {
        "transaction": {
            "id": "031c737d-7b05-417f-a989-16cc6c541a67",
            "time": "2024-06-25T10:30:00",
            "amount": 6000,
            "currency": "NGN",
            "ref": "E- CHANNELS NIP CHARGE 000013231030202431000226414012 NIP TRANSFER COMMISSION FOR 000013231030202431000226414012 MM SYNERGY TO Abdulhadi Sanda Umar ReF:8025946290022353673225000202310302024",
            "session_id": "1022ca67-ecd5-4147-8972-96a681b77245 sports",
            "type": "deposit",
            "channel": "paystack limted"
        },
        "payment": null,
        "user": {
            "user_id": "9931fac0-6bfa-4b3c-842c-7840006d89b6",
            "registration_time": "2024-04-13T10:30:00",
            "email": "[email protected]",
            "first_name": "Trevor",
            "last_name": "Arias",
            "mobile": "5797454931"
        },
        "receiver": {
            "account_name": "John Doe",
            "bank_name": "Globus Bank Limited",
            "account_number": "3543000440",
            "country": "Nigeria"
        },
        "sender": {
            "account_name": "Jane Doe",
            "bank_name": "Unity Bank Plc",
            "account_number": "0560045689",
            "country": "Nigeria"
        },
        "device": {
            "type": "mobile",
            "os": "",
            "model": "Samsung Galaxy S22",
            "language": "en/US",
            "ip_address": "37.255.193.128",
            "device_id": "64f3c8e8-459e-4cc2-adba-d6d9f8254868"
        },
        "address": {
            "city": "Joneston",
            "street": "05511 Jon Loaf",
            "country": "Nigeria"
        },
        "aml": {
            "pep": "North Sarah",
            "sanctions_list": "6238 Walker Unions Suite 802"
        }
    }
}

Card Transaction

Request

{
    "timestamp": 1717049888.761767,
    "type": "card_transaction",
    "event": {
        "transaction": {
            "id": "031c737d-7b05-417f-a989-16cc6c541a67",
            "time": "2024-06-25T10:30:00",
            "amount": 6000,
            "currency": "NGN",
            "ref": "E- CHANNELS NIP CHARGE 000013231030202431000226414012 NIP TRANSFER COMMISSION FOR 000013231030202431000226414012 MM SYNERGY TO Abdulhadi Sanda Umar ReF:8025946290022353673225000202310302024",
            "session_id": "1022ca67-ecd5-4147-8972-96a681b77245 sports",
            "type": "deposit",
            "channel": "paystack limted"
        },
        "payment": {
            "payment_id": "9931fac0-6bfa-4b3c-842c",
            "method_type": "card",
            "scheme": "Visa",
            "card_last_four": "9876",
            "expiry_month": "10",
            "expiry_year": "25",
            "name_on_card": "John Buchanan",
            "billing_address": {
                "city": "North Sarah",
                "street": "6238 Walker Unions Suite 802",
                "country": "Morocco"
            }
        },
        "user": {
            "user_id": "9931fac0-6bfa-4b3c-842c-7840006d89b6",
            "registration_time": "2024-04-13T10:30:00",
            "email": "[email protected]",
            "first_name": "Trevor",
            "last_name": "Arias",
            "mobile": "5797454931"
        },
        "receiver": null,
        "sender": null,
        "device": {
            "type": "mobile",
            "os": "",
            "model": "Samsung Galaxy S22",
            "language": "en/US",
            "ip_address": "37.255.193.128",
            "device_id": "64f3c8e8-459e-4cc2-adba-d6d9f8254868"
        },
        "address": {
            "city": "Joneston",
            "street": "05511 Jon Loaf",
            "country": "Nigeria"
        },
        "aml": {
            "pep": "North Sarah",
            "sanctions_list": "6238 Walker Unions Suite 802"
        }
    }
}

Callback Response

{
	"metadata": {
		"statusMessage": "SUCCESSFUL",
		"statusCode": "200",
		"timeStamp": "10/03/2024 17:30:15",
		"responseType": "FRAUD_MONITORING",
		"hmacMessage": "72979fbc4c2014955fbb3e64a13b470345910baaa60ea3ec10401bf066c9873c4edf17f33fbdc08cd6a20819a405f899a1266ca5555d2febe026ab98f3053284"
	},
	"fraudMonitoringResponse": {
		"type": "bank_transaction",
		"event": {
			"transaction": {
				"id": "031c737d-7b05-417f-a989-16cc6c541a67",
				"time": "2024-06-25T10:30:00",
				"amount": 6000,
				"total_value": null,
				"bank_name": null,
				"account_name": null,
				"currency": "NGN",
				"ref": "E- CHANNELS NIP CHARGE 000013231030202431000226414012 NIP TRANSFER COMMISSION FOR 000013231030202431000226414012 MM SYNERGY TO Abdulhadi Sanda Umar ReF:8025946290022353673225000202310302024",
				"session_id": "1022ca67-ecd5-4147-8972-96a681b77245 sports",
				"type": "deposit",
				"channel": "paystack limted"
			},
			"user": {
				"user_id": "9931fac0-6bfa-4b3c-842c-7840006d89b6",
				"registration_time": "2024-04-13T10:30:00",
				"email": "[email protected]",
				"first_name": "Trevor",
				"last_name": "Arias",
				"mobile": "5797454931"
			},
			"receiver": {
				"account_name": "John Doe",
				"bank_name": "Globus Bank Limited",
				"account_number": "3543000440",
				"country": "Nigeria"
			},
			"sender": {
				"account_name": "Jane Doe",
				"bank_name": "Unity Bank Plc",
				"account_number": "0560045689",
				"country": "Nigeria"
			},
			"payment": {
				"payment_id": "9931fac0-6bfa-4b3c-842c",
				"method_type": "card",
				"scheme": "Visa",
				"card_last_four": "9876",
				"expiry_month": "10",
				"expiry_year": "25",
				"name_on_card": "John Buchanan",
				"billing_address": {
					"city": "North Sarah",
					"street": "6238 Walker Unions Suite 802",
					"country": "Morocco"
				}
			},
			"device": {
				"type": "mobile",
				"os": "",
				"model": "Samsung Galaxy S22",
				"language": "en/US",
				"ip_address": "37.255.193.128",
				"device_id": "64f3c8e8-459e-4cc2-adba-d6d9f8254868"
			},
			"address": {
				"city": "Joneston",
				"street": "05511 Jon Loaf",
				"country": "Nigeria"
			},
			"aml": {
				"pep": "North Sarah",
				"sanctions_list": "6238 Walker Unions Suite 802"
			}
		},
		"score": 33,
		"decision": {
			"action": "PENDING",
			"rule_status": true
		},
		"key_observation": [
			{
				"description": "Transactions Reference is equal to zainab"
			},
			{
				"description": "User Full Name is equal to doe"
			},
			{
				"description": "User Full Name is equal to john doe"
			},
			{
				"description": "User Full Name is equal to dan"
			}
		],
		"behavioral": [
			{
				"type": "TransactionsReferenceEqualTozainab",
				"state": true,
				"description": "Transactions Reference is equal to zainab"
			},
			{
				"type": "UserFullNameEqualTodoe",
				"state": true,
				"description": "User Full Name is equal to doe"
			},
			{
				"type": "UserFullNameEqualTojohndoe",
				"state": true,
				"description": "User Full Name is equal to john doe"
			},
			{
				"type": "UserFullNameEqualTodan",
				"state": true,
				"description": "User Full Name is equal to dan"
			}
		],
		"UpdatedReview": {
      "TransactionId": "031c737d-7b05-417f-a989-16cc6c541a67",
      "SessionId": "1022ca67-ecd5-4147-8972-96a681b77245",
			"TransactionDate": "2024-06-10T10:30:00",
			"TransactionType": "deposit",
			"Currency": "NGN",
			"Channel": "paystack",
			"Amount": 6000000.15,
			"PaymentType": null,
			"RiskScore": 100,
			"Status": "ALLOWED",
			"DecisionDate": "2024-06-10T12:50:41.144326",
			"SenderAccountName": "Jane Doe",
			"SenderBankName": "Unity Bank Plc",
			"SenderAccountNumber": "0560045689",
			"SenderCountry": "Nigeria",
			"ReceiverAccountName": "John Doe",
			"ReceiverBankName": "Globus Bank Limited",
			"ReceiverAccountNumber": "3543000440",
			"ReceiverCountry": "Nigeria",
			"Observations": null
		}
	}
}