Cross Transaction Risk (CTR)
The Cross Transaction Risk (CTR) capability provides insights by comparing face, ID extracted data, and ID images from current transactions to those from prior transactions. The feature includes two types of matches:
-
ID Data Matched Transactions
The Cross Transaction Risk (CTR) capability compares data extracted from an ID credential with previous transactions. If an ID with the same data was used in previous transactions, it returns the transaction IDs along with counts of those transactions categorized as high, medium, or low risk. -
Face Matched Transactions
The Cross Transaction Risk (CTR) capability compares Faces extracted from an ID credential and obtained from the Selfie with faces from previous transactions. If the same face was detected in prior transactions, it returns the transaction IDs and counts how many of those transactions were categorized as risk high, medium, or low.
Contact Jumio Support if you require additional information or are interested in enabling the feature for your account.
Output
Depending on your tenant configuration, Cross Transaction Risk (CTR) may return match statistics distributed across the following for each of the Match Types described above:
-
Network Transactions: This includes all matching transactions for the same tenant where the current transaction is processed.
-
Associated Network Transactions: Includes all matching transactions for other “connected” tenants under the same Customer account where the current Transaction is processed.
-
Global Network Transactions: Excluding Network and Associated Network transactions, this covers all transactions part of Jumio's Cross-Customer Network, with end-user consent for data sharing and usage. Also, refer End-User Consent to Collect Personal Data
Each of these Networks provides distribution of CTR across different risk levels, i.e., High, Medium, and Low Risk, along with Total CTR counts.
Overall CTR Decision is also shared. Refer Decision Details Labels below.
When using the Jumio Portal, within the Transaction Details page, you can also jump to CTR, which are part of the same Tenant (Network), and see CTR, which are part of Connected Tenants (Associated Network).
When using Jumio Retrieval Response, you also receive individual CTR IDs from Network and Associated Network, along with the Earliest and Latest Transaction timestamps. Refer to the Response section below.
Use in Rules
Due to different risk appetites and use cases that can be built around CTR, by default, the output is informational and doesn’t participate in Transaction scoring.
However, the output of CTR can be used to create rules using overall Summary Statistics or Individual Network and/or Risk Level Statistics to have better control of the outcome and treatment of current transactions.
Also, check: Rules Management
Dependencies
Supported Credentials
Response
Response data is available for transactions that include the capability. For information on transaction data see Viewing or Retrieving Workflow Transactions.
Example Response
{
"capabilities": {
"lookups": [
{
"id": "4b0b64e8-c82a-43a6-b134-ba0fe45cb660",
"credentials": [
{
"id": "6f1ba96f-80ce-48cc-acbb-4f062af75aab",
"category": "ID",
"label": "ID"
}
],
"decision": {
"type": "WARNING",
"details": {
"label": "WARNING"
}
},
"data": {
"matchedTransactions": {
"totalHighRiskTransactions": 0,
"totalMediumRiskTransactions": 8,
"totalLowRiskTransactions": 1,
"earliestTransactionTime": "2023-12-18T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z",
"network": {
"highRiskTransactions": 0,
"mediumRiskTransactions": 8,
"lowRiskTransactions": 1,
"earliestTransactionTime": "2023-12-18T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z",
"transactions": [
"1e52256a-3985-4e05-a22b-72624c924396",
"15c55070-5069-4e1c-84fe-04ec99781692",
"94eff29b-7987-4a5c-816d-4c97443e4e3e",
"930779a2-a2ef-43d2-b2a9-a8071cfe044a",
"cd763c51-9981-488d-8473-e22704a0ae50",
"d82831b2-ec7d-4654-a856-956143d2abc5",
"2073d47a-b1a0-4d72-a2d6-3b54319a5f32",
"e142b036-4b45-4747-aa0b-b4e2b5e9646b",
"c8f9d804-0f05-4a5d-83e8-bf53e8b0a191"
]
},
"associatedNetwork": {
"highRiskTransactions": 0,
"mediumRiskTransactions": 0,
"lowRiskTransactions": 0,
"earliestTransactionTime": "2023-12-18T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z",
"transactions": [
{
"tenant1-guid": [
"1e52256a-3985-4e05-a22b-72624c924396",
"15c55070-5069-4e1c-84fe-04ec99781692"
]
},
{
"tenant2-guid": [
"94eff29b-7987-4a5c-816d-4c97443e4e3e",
"930779a2-a2ef-43d2-b2a9-a8071cfe044a"
]
}
]
},
"globalNetwork": {
"highRiskTransactions": 0,
"mediumRiskTransactions": 2,
"lowRiskTransactions": 1,
"earliestTransactionTime": "2023-12-17T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z"
}
}
}
},
{
"faceMatchedTransactions": {
"totalHighRiskTransactions": 0,
"totalMediumRiskTransactions": 8,
"totalLowRiskTransactions": 1,
"earliestTransactionTime": "2023-12-18T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z",
"network": {
"highRiskTransactions": 0,
"mediumRiskTransactions": 8,
"lowRiskTransactions": 1,
"earliestTransactionTime": "2023-12-18T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z",
"transactions": [
"1e52256a-3985-4e05-a22b-72624c924396",
"15c55070-5069-4e1c-84fe-04ec99781692",
"94eff29b-7987-4a5c-816d-4c97443e4e3e",
"930779a2-a2ef-43d2-b2a9-a8071cfe044a",
"cd763c51-9981-488d-8473-e22704a0ae50",
"d82831b2-ec7d-4654-a856-956143d2abc5",
"2073d47a-b1a0-4d72-a2d6-3b54319a5f32",
"e142b036-4b45-4747-aa0b-b4e2b5e9646b",
"c8f9d804-0f05-4a5d-83e8-bf53e8b0a191"
]
},
"associatedNetwork": {
"highRiskTransactions": 0,
"mediumRiskTransactions": 0,
"lowRiskTransactions": 0,
"earliestTransactionTime": "2023-12-18T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z",
"transactions": [
{
"tenant1-guid": [
"1e52256a-3985-4e05-a22b-72624c924396",
"15c55070-5069-4e1c-84fe-04ec99781692"
]
},
{
"tenant2-guid": [
"94eff29b-7987-4a5c-816d-4c97443e4e3e",
"930779a2-a2ef-43d2-b2a9-a8071cfe044a"
]
}
]
},
"globalNetwork": {
"highRiskTransactions": 0,
"mediumRiskTransactions": 2,
"lowRiskTransactions": 1,
"earliestTransactionTime": "2023-12-17T13:26:43.802Z",
"latestTransactionTime": "2023-12-19T14:46:58.747Z"
}
}
}
]
}
}
Decision Details Labels
|
Decision Type |
Label |
ID |
Description |
|---|---|---|---|
|
NOT_EXECUTED |
PRECONDITION_NOT_FULFILLED |
X |
Required data is not available. For example, if the ID did not pass Usability or if the data was not able to be extracted. |
|
NOT_EXECUTED |
TECHNICAL_ERROR |
X |
The service encountered an error and was unable to process the request. |
|
PASSED |
OK |
X |
None of the CTRs have medium or high risk. |
|
REJECTED |
REJECTED |
X |
Any CTR is high risk. |
|
WARNING |
WARNING |
X |
Maximum risk of any CTR is medium risk. |
Data
The datablock includes top-level matchedTransactions and faceMatchedTransactions objects.
matchedTransactions and faceMatchedTransactions fields
|
Key |
Type |
Description |
|---|---|---|
|
totalHighRiskTransactions |
integer |
0 or any positive integer. The total number of high-risk transactions across all included networks. |
|
totalMediumRiskTransactions |
integer |
0 or any positive integer. The total number of medium-risk transactions across all included networks. |
|
totaLowRiskTransactions |
integer |
0 or any positive integer. The total number of low-risk transactions across all included networks. |
|
earliestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the oldest matching transaction. |
|
latestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the most recent matching transaction. |
|
network |
object |
See network fields |
|
associatedNetwork |
object |
|
|
globalNetwork |
|
network fields
This includes all matching transactions for the same tenant where the current transaction is processed.
|
Key |
Type |
Description |
|---|---|---|
|
totalHighRiskTransactions |
integer |
0 or any positive integer. The total number of high-risk transactions belonging to the same tenant. |
|
totalMediumRiskTransactions |
integer |
0 or any positive integer. The total number of medium-risk transactions belonging to the same tenant. |
|
totaLowRiskTransactions |
integer |
0 or any positive integer. The total number of low-risk transactions belonging to the same tenant. |
|
earliestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the oldest matching transaction. |
|
latestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the most recent matching transaction. |
|
transactions |
array |
An array of strings with the transaction IDs of the matching transactions. |
associatedNetwork fields
Includes all matching transactions for other “connected” tenants under the same Customer account where the current Transaction is processed.
|
Key |
Type |
Description |
|---|---|---|
|
totalHighRiskTransactions |
integer |
0 or any positive integer. The total number of high-risk transactions across the associated network. |
|
totalMediumRiskTransactions |
integer |
0 or any positive integer. The total number of medium-risk transactions across the associated network. |
|
totaLowRiskTransactions |
integer |
0 or any positive integer. The total number of low-risk transactions across the associated network. |
|
earliestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the oldest matching transaction. |
|
latestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the most recent matching transaction. |
|
transactions |
array |
An array of objects containing the matching transactions from each tenant in the associated network. Each item in the array uses the Merchant Guid as the key with the matching transactions as the value. The Merchant Guid is the unique identifier for the tenant and can be found in the Jumio Portal Explorer. If the Merchant Guid column is not visible in the Transactions table you can click Columns to add it. See also: Show or Hide Columns in the Explorer. |
globalNetwork fields
Excluding Network and Associated Network transactions, this covers all transactions part of Jumio's Cross-Customer Network, and for which consent has been obtained from the end user.
|
Key |
Type |
Description |
|---|---|---|
|
totalHighRiskTransactions |
integer |
0 or any positive integer. The total number of high-risk transactions across the global network. |
|
totalMediumRiskTransactions |
integer |
0 or any positive integer. The total number of medium-risk transactions across the global network. |
|
totaLowRiskTransactions |
integer |
0 or any positive integer. The total number of low-risk transactions across the global network. |
|
earliestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the oldest matching transaction. |
|
latestTransactionTime |
string dateTime |
UTC time in ISO 8601 format of the most recent matching transaction. |