Developer - Individual - InsightGenie

Overview

1. Data Collection

Data our client (bank, insurance company, ecommerce company, fintech, etc.) is willing to share with InsightGenie (either transactional or collected at application stage (for a loan, insurance, credit card, etc) can be included in the overall risk assessment process and part of risk or credit scoring.

Such data may include, for example, monthly income, outstanding loans status, unpaid credit card bills, occupation, age and more.

InsightGenie will collect this data, and supplement it with the rest of data collected from smartphone and other external sources.

2. Data Extracted from our Client’s Smart Phones

In this scenario, the client’s mobile phone application may need to ask its prospective or existing end-customer to consent offering access to non-private, non-confidential smartphone information such as usage statistics of various mobile applications.

To consent access to usage statistics (if such consent is not already provided) is done in the following manner:

Show a popup message that clarifies to the end-customer why he/she should enable the permission, and that no confidential private or sensitive data will be access or analyzed

Redirect the end-customer to the system page to enable the relevant permission

The client’s mobile application will then assess the end-customer’s mobile application usage.

After collecting the mentioned data, InsightGenie can assess mobile phone data as well as external data, crunch it into a score and share with its client, after which all temporarily collected data will be removed from InsightGenie’s servers within 24h.

Customer

CreateCustomer

UpdateCustomer

GetCustomer

CreateCustomer

POST method endpoint


{baseUrl}/customer/create-customer

Required input parameters

Key Parameters

Data Type

Description

fullName

String

-

phoneNumber

String

The active phone number of the user (that starts with 62, e.g. 6281122334455)

email

String

-

Optional input parameters

Key Parameters

Data Type

Description

employerName

String

-

monthlyIncome

String

-

currentBureauScore

String

-

currentDebt

String

-

upskillingStatus

String

-

maritalStatus

String

-

educationalLevel

String

-

financialProduct

String

-

socialMediaHandle

String

-

apps

String

-

appsUsageTime

String

-

Example - Post Body


{
    "updates":{
        "fullName":"New Name for Simon Davis"
        "monthlyIncome":10000,
        "employerName":"David moo",
        "apps":[
            {
                "appName":"Grab",
                "installDate":"new Date()",
                "packageName":"Grab"
            }
        ],
        "appsUsageTime":[
            {
                "totalTime":100000,
                "packageName":"Grab"
            }
        ]
    }
}

Output Parameters


{
    "success": true,
    "customerId": [customerId]
}

UpdateCustomer

POST method endpoint


{baseUrl}/customer/create-customer?phoneNumber={phoneNumber}&email={email}
// or
{baseUrl}/customer/create-customer?customerId={customerId}

Required input parameters

Only what in the link/endpoint (the query params)

Optional input parameters

Key Parameters

Data Type

Description

employerName

String

-

monthlyIncome

String

-

currentBureauScore

String

-

currentDebt

String

-

upskillingStatus

String

-

maritalStatus

String

-

educationalLevel

String

-

financialProduct

String

-

socialMediaHandle

String

-

apps

String

-

appsUsageTime

String

-

Example - Post Body


{
    "updates":{
        "fullName":"New Name for Simon Davis"
        "monthlyIncome":10000,
        "employerName":"David moo",
        "apps":[
            {
                "appName":"Grab",
                "installDate":"new Date()",
                "packageName":"Grab"
            }
        ],
        "appsUsageTime":[
            {
                "totalTime":100000,
                "packageName":"Grab"
            }
        ]
    }
}

Output Parameters


{
    "success": true
}

GetCustomer

GET method endpoint


{baseUrl}/customer/create-customer?phoneNumber={phoneNumber}&email={email}
// OR
{baseUrl}/customer/create-customer?customerId={customerId}

Output Parameters


{
   ["All inserted customer data"]
}

ScoringData

GetFinancialScore

GetSocialScore

GetLifestyleScore

GetHealthScore

GetFinancialScore

GET method endpoint


{baseUrl}/score/finance?phoneNumber={phoneNumber}&email={email}
// OR
{baseUrl}/score/finance?customerId={customerId}

Output Parameters

Key Parameters

Data Type

Description

details

-

financialScore

-

Score range: 1 ~ 1,000

GetSocialScore

GET method endpoint


{baseUrl}/score/social?phoneNumber={phoneNumber}&email={email}
// OR
{baseUrl}/score/social?customerId={customerId}

Output Parameters

Key Parameters

Data Type

Description

details

-

socialScore

-

Score range: 1 ~ 1,000

GetLifestyleScore

GET method endpoint


{baseUrl}/score/life-style?phoneNumber={phoneNumber}&email={email}
// OR
{baseUrl}/score/life-style?customerId={customerId}

Output Parameters

Key Parameters

Data Type

Description

details

-

lifestyleScore

-

Score range: 1 ~ 1,000

GetHealthScore

GET method endpoint


{baseUrl}/score/health?phoneNumber={phoneNumber}&email={email}
//OR
{baseUrl}/score/health?customerId={customerId}

Output Parameters

Key Parameters

Data Type

Description

details

-

healthScore

-

Score range: 1 ~ 1,000

Authenticate

GET method endpoint


{baseUrl}/auth/authenticate

Body


{
    email,
    password
}

Example: Authenticate (“david_miller@bankabc.com”, “fh739ry”)

Output Parameters


{
    token: "token",
    success: true
}