Predictive Response is a mechanism that is used by our customers to submit test requests and receive back predictable Risk Inquiry Service (RIS) responses. This means that a customer, to test RIS, generates a particular request that is designed to provide one or more specific RIS responses and/or errors. The predictive response inquiries are not actual RIS inquiries, which means the data will never be submitted to the database and will not be displayed in the Agent Web Console.
The primary reason for having Predictive Response functionality is to diagnose error responses being received from RIS. For instance, a customer might receive many different error codes after submitting a RIS request. Most of these errors are reliably reproduced by passing malformed, missing, or additional data in the RIS request. However, some of the errors are extremely difficult or even impossible to reproduce through simple means. There is no way to re-create these errors in a systematic or predictable fashion using RIS request input, rules, and/or Data Collector.
In addition, the customer might invoke a specific response to understand how their respective OMS will manage certain responses or data returned in the response. Predictive Response allows customers to submit requests designed to return exact responses including errors. An example would be if a customer wanted to submit a RIS request that would return the very specific responses SCOR=71, AUTO=E, and GEOX=CA.
Predictive Responses are created using the UDF (User Defined Fields) override option. These User Defined Fields do not need to be created through the Agent Web Console; they can be simply passed in as additional fields in the Predictive Response RIS inquiry.
To create a Predictive Response RIS Inquiry, the request must contain a specific email parameter in the email field: predictive@kount.com.
All other elements of the RIS request you submit must be valid elements and contain the minimum set of required RIS keys.
To pass in a request that will result in a specific response, use one or more UDF overrides to trigger a mock RIS response.
The basic syntax is: UDF[~K!label]=“foo”~K! is the prefix, label is the desired field for which you want a response, such as SCOR or ERRO, and after the equal sign (=), enter the specific value you want returned. The ~K!_ prefix is required to trigger the UDF to become a predictive response field.
Example 1
You want to send in a request that results in a Kount Score of 18, an Auto Decision of E, and a 601 System Error code.
Request
- UDF[~K!_SCOR]=18
- UDF[~K!_AUTO]=E
- UDF[~K!_ERRO]=601
Response
- SCOR=18
- AUTO=E
- ERRO=601
Example 2
You want to pass in a request that results in a Kount Score of 42, an Auto Decision of Decline, and a GEOX of Nigeria.
Request
- UDF[~K!_SCOR]=42
- UDF[~K!_AUTO]=D
- UDF[~K!_GEOX]=NG
Response
- SCOR=42
- AUTO=D
- GEOX=NG