Risk Signal: Phone Verification

Phone Verification enables our customers to assess the risk of a provided phone number. Phone verification is a fundamental risk check that analyzes a phone number to provide an overall risk. This adds phone intelligence as a layer of defense to fraud prevention.

Phone verification provides the overall risk and reputation of a phone number by looking at the risk and usage of patterns of the phone number along with metadata around the type of phone.

Use Case

For those with onboarding and account login workflows who wish to understand and assess the risk of a given phone number.

Supported Credentials

The following values can be uploaded as Prepared Data. Alternatively, they can be extracted by an upstream capability in a workflow.

To use Prepared Data with phone verification as a standalone capability use workflow key 10065.

Key	Type	Mandatory	Description
phoneNumber	String	yes	Phone number of the subject in E.164 format. Must include country code.

Example Prepared Data Body

{
	 "phoneNumber": "+65644***8"
 }

Response

capabilities ": {
  "phoneVerification": [{
    "id": "94d8b738-07c2-45b8-8b7d-5e5f5dc89947",
    "credentials": [{
      "id": "48655c2f-5e5f-46e0-bb42-22c980c630fd",
      "category": "DATA"
    }],
    "decision": {
      "type": "PASSED",
      "details": {
        "label": "LOW_RISK"
      }
    },
    "data": {
      "phoneType": "MOBILE",
      "carrier": "Vi",
      "blocked": false,
      "riskInsights": {
        "relativeRisk": [
            "LOW ACTIVITY"
        ],
        "applicationToPersonTraffic": [
          "SEEN IN THE LAST 1 DAY",
          "LOW LONG-TERM ACTIVITY",
          "NO RANGE ACTIVITY"
        ],
        "personToPersonTraffic": [
          "NO P2P DATA ANALYZED"
        ]
      }
    }
  ]

Decision Details Labels

Decision Type	Label	Description
PASSED	LOW_RISK
REJECTED	HIGH_RISK
WARNING	MEDIUM_RISK
NOT_EXECUTED	PERMISSION_DENIED
NOT_EXECUTED	BAD_REQUEST
NOT_EXECUTED	PRECONDITION_NOT_FULFILLED
NOT_EXECUTED	TECHNICAL_ERROR

Data

Parameter	Type	Note
phoneType	string	Possible values: FIXED_LINE INVALID MOBILE OTHER PAGER PAYPHONE PERSONAL PREPAID TOLLFREE VOIP
carrier	string	Phone Carrier Name
blocked	boolean	True / False
riskInsights.relativeRisk	string array	The risk category. This is determined based on weighting the risk and trust signals indicated by the other risk insights. See Relative Risk Values.
riskInsights.applicationToPersonTraffic	string array	Reasons specific to application-to-person messaging (a2p). These are automated messages sent to a human, such as verification codes, appointment reminders, etc. These reasons are organized into multiple sub-categories. See Application to Person Values.
riskInsights.personToPersonTraffic	string array	Not used at this time. The value will always be "NO P2P DATA ANALYZED"

Relative Risk Values

Value	Description
low activity	Not enough activity or attributes to classify the transaction as either risky or trustworthy.
low regular activity	Trustworthy category, based on past behavior.
regular activity	Most trustworthy category, based on past behavior.
low-risk irregular activity	Risky category, based on past behavior.
medium-risk irregular activity	High-risk category, based on past behavior.
high-risk irregular activity	Highest-risk category, based on past behavior.
irregular number type	This number has risky static attributes (like VOIP phone type or being on a blocklist).

Application to Person Values

Category	Value	Description
Activity	no long-term activity	Much less than expected activity, or none at all, for this number over the past 90 days. Cannot classify.
Activity	high long-term activity	More than expected activity for this number over the past 90 days.
Activity	high short-term activity	More than expected activity for this number over the last 24 hours.
Activity	moderate long-term activity	Expected activity for this number over the past 90 days.
Activity	moderate short-term activity	Expected activity for this number over the last 24 hours.
Activity	sparse long-term activity	Sparse, regular volume of verification traffic on this number over the past 90 days.
Activity	continuous long-term activity	Continuous, regular volume of verification traffic on this number over the past 90 days.
Activity	very high long-term activity	Very high volume of verification traffic on this number over the past 90 days.
Activity	no activity	Very low volume of verification traffic, or none at all, was ever observed on this number.
Activity	low long-term activity	Low volume of verification traffic on this phone number over the past 90 days.
Activity	low short-term activity	Low volume of verification traffic on this phone number over the past 24 hours. Very low volume of verification traffic, or none at all over the past 90 days.
Activity	low activity	Less than expected activity for this number.
Range	no range activity	Very little activity, or none at all, for a risky range that this number belongs to over the past 90 days. Also returned if the number does not belong to a risky range.
Range	low range activity	Some activity for a risky range that this number belongs to over the past 90 days.
Range	moderate short-term range activity	Significant activity for a risky range that this number belongs to over the last 24 hours.
Range	moderate long-term range activity	Significant activity for a risky range that this number belongs to over the past 90 days.
Range	high short-term range activity	Very significant activity for a risky range that this number belongs to over the last 24 hours.
Range	high long-term range activity	Very significant activity for a risky range that this number belongs to over the past 90 days.
Range	very high long-term range activity	Extremely significant activity for a risky range that this number belongs to over the past 90 days.
Range	very high short-term range activity	Extremely significant activity for a risky range that this number belongs to over the last 24 hours.
Risky Services	moderate activity on risky services	Significant activity on this number to or from risky services over the past 90 days.
Risky Services	high activity on risky services	Very significant activity on this number to or from risky services over the past 90 days.
Risky Services	long-term activity on risky services	Verification traffic on risky services on this number over the past 90 days.
Risky Services	short-term activity on risky services	Verification traffic on risky services on this number over the past 24 hours.
Risky Services	high long-term activity on risky services	High volume of verification traffic on risky services on this number over the past 90 days.
Risky Services	high short-term activity on risky services	High volume of verification traffic on risky services on this number over the past 24 hours.
Risky Services	long-term range activity on risky services	Verification traffic on risky services on the range this number belongs to over the past 90 days.
Risky Services	short-term range activity on risky services	Verification traffic on risky services on the range this number belongs to over the past 24 hours.
Risky Services	high long-term range activity on risky services	High volume of verification traffic on risky services on the range this number belongs to over the past 90 days.
Risky Services	high short-term range activity on risky services	High volume of verification traffic on risky services on the range this number belongs to over the past 24 hours.
Risky Services	very high short-term activity on risky services	Very high volume of verification traffic on risky services on this number over the past 90 days.
Risky Services	very high long-term activity on risky services	Very high volume of verification traffic on risky services on this number over the past 24 hours.
Risky Services	very high short-term range activity on risky services	Very high volume of verification traffic on risky services on the range this number belongs to over the past 90 days.
Risky Services	very high long-term range activity on risky services	Very high volume of verification traffic on risky services on the range this number belongs to over the past 24 hours.
Other	machine-like activity	Behavior pattern that suggests this number is being used by a bot. Although we expect a submitted number engaged in A2P traffic to communicate with automated systems, we don’t expect the user of that number to be an automated system.
Other	machine-like range activity	Extremely high volume of verification traffic in a very short period (less than 1 hour) on the range this number belongs to.
Recency	seen in the last 1 day	This number was seen in verification traffic in the last 1 day.
Recency	seen in the last 7 days	This number was seen in verification traffic in the last 7 days.
Recency	seen in the last 15 days	This number was seen in verification traffic in the last 15 days.
Recency	seen in the last 1 month	This number was seen in verification traffic in the last 1 month.
Recency	seen in the last 2 months	This number was seen in verification traffic in the last 2 months.
Recency	seen in the last 3 months	This number was seen in verification traffic in the last 3 months.
Recency	seen more than 3 months ago	This number was not seen in verification traffic in the last 3 months.