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Consumer Insights — Integration Guide

Get actionable insights into consumer behavior by integrating with Kount Consumer Insights, built on the Kount 360 platform. Integrate to gain access to the REST API endpoint, view your account in the portal, manage users, and more.

Create an API Key

Log in to Kount 360 to create your administrator password, retrieve your client ID, and create an API key. Set up your credentials before you authenticate or access the REST API.

  1. Open the Kount 360 Account Activation email sent to the administrator email address you provided Kount.
  2. Select Activate Account.
  3. From the welcome page, create your password, select a security image, and then select Create my Account to be redirected to the Kount 360 login page.
    If you are not redirected to the Kount 360 login page automatically, navigate to the appropriate environment:

    Sandbox
    https://app-sandbox.kount.com/login
    Production
    https://app.kount.com/login
  4. Log in using your credentials.
  5. On the navigation menu, select Developer, and then Clients.
  6. Select New Client.
  7. Enter a name for the new client, and then select OK.
  8. In the New Client prompt, copy the API key and save it in a secure location.
    k360api.png
    Note: Use the copy button to copy the API key. If you close the window without copying the API key, you must create a new API key using the options (...) menu. You are only allowed two active API keys per client.
  9. Select OK.
  10. On the Clients screen, locate the client you created to view the Client ID.
    If desired, save the Client ID in a secure location. If you did not save the API key previously, you must select the arrow to preview and copy the API key before proceeding.

Authenticating with Kount 360

After you have provisioned your client ID and credentials in the self-service portal, retrieve a temporary bearer token.

Provide the client credentials in an HTTP POST to a specific login.kount.com URL, referred to as the “ISSUER” URL, which you will receive from Kount. With a successful exchange, the returned JSON provides a special bearer token, as well as an expiration date expires_in. The expiration date is provided in seconds until expiration.

The API varies depending if you are calling the Sandbox or Production system. The values are:

Environment Auth Server URL API URL
Sandbox https://login.kount.com/oauth2/ausdppkujzCPQuIrY357/v1/token https://api-sandbox.kount.com
Production https://login.kount.com/oauth2/ausdppksgrbyM0abp357/v1/token https://api.kount.com

The following provides example posts in popular languages:

Python
"""sandbox"""
import requests
AUTH_SERVER_URL = "https://login.kount.com/oauth2/ausdppkujzCPQuIrY357/v1/token"
API_URL = "https://api-sandbox.kount.com"
API_KEY = "YOUR API KEY HERE"
CLIENT_ID = "YOUR CLIENT_ID HERE"

r = requests.post(AUTH_SERVER_URL,
                  params={"grant_type": "client_credentials",
                          "scope": "k1_integration_api"},
                  headers={"Authorization": "Basic" + API_KEY,
                           "Content-Type":
                           "application/x-www-form-urlencoded"})

t = r.json()["access_token"]

r = requests.post(API_URL + "/identity/evaluate/v1",
                  headers={'Authorization': "Bearer " + t},
                  json={
                      "clientId": CLIENT_ID,
                      "useCase": "fraudInsights,walletInsights",
                      "firstName": "John",
                      "lastName": "Doe",
                      "deviceId": "0123456789ABCDEF0000000000000000",
                      "address": {
                          "line1": "1600 Pennsylvania Ave NW",
                          "line2": "",
                          "city": "Washington",
                          "state": "DC",
                          "countryCode": "US",
                          "postalCode": "20500",
                      },
                      "emailAddress": "john.doe@kount.com",
                      "phoneNumber": "2088675309",
                      "payment": {
                          "paymentToken": "4242424242424242",
                          "paymentType": "CARD"
                      }
                  })
print("Response:", r.json())
Bash
#!/usr/bin/env bash

API='https://api-sandbox.kount.com'
ISSUER='https://login.kount.com/oauth2/ausdppkujzCPQuIrY357'
CLIENT_ID=''
API_KEY=''

# Get our token (it is valid for 20 minutes)
RESPONSE=$(curl -s -X POST "${ISSUER}/v1/token?grant_type=client_credentials&scope=k1_integration_api" -H "Authorization: Basic ${API_KEY}" -H "Content-Type: application/x-www-form-urlencoded")
TOKEN=$(echo $RESPONSE | jq -r .access_token)

# Make our evaluation request
REQUEST_DATA='{ "clientId": "900801", "useCase": "fraudInsights,walletInsights", "firstName": "John", "lastName": "Doe", "deviceId": "0123456789ABCDEF0000000000000000", "address": { "line1": "1600 Pennsylvania Ave NW", "line2": "", "city": "Washington", "state": "DC", "countryCode": "US", "postalCode": "20500" }, "emailAddress": "john.doe@kount.com", "phoneNumber": "2088675309", "payment": { "paymentToken": "4242424242424242", "paymentType": "CARD" } }'
RESPONSE=$(curl -s -X POST ${API}/identity/evaluate/v1 -H "Authorization: Bearer ${TOKEN}" -d "$REQUEST_DATA")
echo "$RESPONSE" | jq
Typescript
const axios = require('axios')

const API = 'https://api-sandbox.kount.com'
const ISSUER = 'https://login.kount.com/oauth2/ausdppkujzCPQuIrY357'
const CLIENT_ID = 'YOUR CLIENT ID HERE'
const API_KEY = 'YOUR API KEY HERE'

async function getBearerToken() {

    const auth = await axios({
        url: `${ISSUER}/v1/token`,
        method: 'post',
        headers: {
            authorization: `Basic ${API_KEY}`
        },
        params: {
            grant_type: 'client_credentials',
            scope: 'k1_integration_api'
        }
    })

    return auth.data.access_token
}

async function evaluateIdentity(token: string) {

    const resp = await axios({
        url: `${API}/identity/evaluate/v1`,
        method: 'post',
        headers: {
            authorization: `Bearer ${token}`,
        },
        data: {
            clientId: CLIENT_ID,
            useCase: "fraudInsights,walletInsights",
            firstName: "John",
            lastName: "Doe",
            deviceId: "0123456789ABCDEF0000000000000000",
            address: {
                line1: "1600 Pennsylvania Ave NW",
                line2: "",
                city: "Washington",
                state: "DC",
                countryCode: "US",
                postalCode: "20500",
            },
            emailAddress: "john.doe@kount.com",
            phoneNumber: "2088675309",
            payment: {
                paymentToken: "4242424242424242",
                paymentType: "CARD"
            }
        }
    })

    return resp.data
}
const main = async () => {
    const token = await getBearerToken();
    const resp = await evaluateIdentity(token);
    console.log(JSON.stringify(resp, null, 4))
}

main()
Go
package main

import (
    "bytes"
    "encoding/json"
    "fmt"
    "io"
    "net/http"
)

type config struct {
    API      string
    Issuer   string
    ClientId string
    APIKey   string
}

func getToken(c *http.Client, issuer, creds string) string {

    req, _ := http.NewRequest(http.MethodPost, issuer+"/v1/token", nil)

    req.Header.Add("Authorization", "Basic "+creds)

    req.Header.Add("Content-Type", "application/x-www-form-urlencoded")

    q := req.URL.Query()
    q.Add("grant_type", "client_credentials")
    q.Add("scope", "k1_integration_api")
    req.URL.RawQuery = q.Encode()

    resp, _ := c.Do(req)
    defer resp.Body.Close()

    t := struct {
        TokenType   string json:"token_type"
        ExpiresIn   int    json:"expires_in"
        AccessToken string json:"access_token"
    }{}

    json.NewDecoder(resp.Body).Decode(&t)
    return t.AccessToken
}

func evaluate(c *http.Client, api string, payload IdentityEvalRequest, token string) string {

    j, _ := json.Marshal(payload)

    req, _ := http.NewRequest(http.MethodPost, api+"/identity/evaluate/v1", bytes.NewBuffer(j))

    req.Header.Add("Authorization", "Bearer "+token)

    resp, _ := c.Do(req)
    defer resp.Body.Close()

    b, _ := io.ReadAll(resp.Body)
    s := string(b)
    return s
}

type IdentityEvalRequest struct {
    ClientId     string         json:"clientId"
    UseCase      string         json:"useCase"
    FirstName    string         json:"firstName"
    LastName     string         json:"lastName"
    DeviceId     string         json:"deviceId"
    Address      AddressRequest json:"address"
    EmailAddress string         json:"emailAddress"
    PhoneNumber  string         json:"phoneNumber"
    Payment      PaymentRequest json:"payment"
}

type AddressRequest struct {
    Line1       string json:"line1"
    Line2       string json:"line2"
    City        string json:"city"
    State       string json:"state"
    CountryCode string json:"countryCode"
    PostalCode  string json:"postalCode"
}

type PaymentRequest struct {
    PaymentToken string json:"paymentToken"
    PaymentType  string json:"paymentType"
}

func main() {
    config := config{
        API:      "https://api-sandbox.kount.com",
        Issuer:   "https://login.kount.com/oauth2/ausdppkujzCPQuIrY357",
        ClientId: "",
        APIKey:   "",
    }
    client := &http.Client{}
    token := getToken(client, config.Issuer, config.APIKey)

    payload := IdentityEvalRequest{
        ClientId:  config.ClientId,
        UseCase:   "fraudInsights,walletInsights",
        FirstName: "John",
        LastName:  "Doe",
        DeviceId:  "0123456789ABCDEF0000000000000000",
        Address: AddressRequest{
            Line1:       "1600 Pennsylvania Ave NW",
            Line2:       "",
            City:        "Washington",
            State:       "DC",
            CountryCode: "US",
            PostalCode:  "20500",
        },
        EmailAddress: "john.doe@kount.com",
        PhoneNumber:  "2088675309",
        Payment: PaymentRequest{
            PaymentToken: "4242424242424242",
            PaymentType:  "CARD",
        },
    }

    resp := evaluate(client, config.API, payload, token)
    fmt.Printf("%s\n", resp)
}

Specifications for the Consumer Insights API

Endpoints:

Sandbox

api-sandbox.kount.com/identity/evaluate/v1

Production

api.kount.com/identity/evaluate/v1

Method: POST

Header Authorization: Bearer <token>

Header Content-Type: application/json

Note: All data sent to Kount with the upload API must be in a JSON string format that is capable of parsing back to JSON. See the Standard Request Data Elements table for additional information.

Standard Request Data Elements

Attribute Type Parameters Description Required/Optional
clientId   string (clientId) ^[a-zA-Z0-9]{1,64}$ Kount's unique identifier for a Client Required
usecase   string Use Case determines response payload (can be any comma-separated combination of payerInsights, walletInsights, fraudInsights, inputvalidation) Required
deviceId   string (deviceId) ^[\w-]{0,64}$ Device identifier Optional
phoneNumber   string (phoneNumber)  Phone number for a Client’s user Optional
emailAddress   string <email> (emailAddress) ^.+@.+\..+$ Email address for a Client’s user Optional
firstName   string (firstName)  First name for a Client’s user Optional
lastName   string (lastName)  Last name for a Client’s user Optional
address   object (v1Address)    Optional
line1 string (line1) ^[\w-]{0,256}$ Street address - Line 1 Optional
line2 string (line2) ^[\w-]{0,256}$ Street address - Line 2 Optional
city string (city) ^[\w-]{0,256}$ Street address - City Optional
state string (state) ^[\w-]{0,256}$ Street address - State/Province Optional
postalCode string (postalCode) ^[\w-]{0,20}$ Street address - Postal Code Optional
plus4 string (plus4) ^[\w-]{0,4}$ Street address - Last 4 Digits of a full 9-Digit US Postal code Optional
countryCode string (countryCode) ^[A-Z]{0,2}$ Street address - Country Optional
payment   object (v1Payment)    Optional
paymentType string (paymentType) ^[A-Z_]{1,12}$ Enum: "APAY" "CARD" "PYPL" "CHEK" "NONE" "TOKEN" "GDMP" "GOOG""BLML" "GIFT" "BPAY" "NETELLER" "GIROPAY" "ELV" "MERCADE_PAGO""SEPA" "INTERAC" "CARTE_BLEUE" "POLI" "SKRILL" "SOFORT" "AMZN""SAMPAY" "ALIPAY" "WCPAY" "CRYPTO" "KLARNA" "AFTRPAY" "AFFIRM""SPLIT" "FBPAY" Optional
paymentToken string (paymentToken) ^[\w-]{0,64}$ Payment token submitted by merchant for order (credit card, payer ID, routing/transit, MIC`R, and account number). Optional

Receive data from Consumer Insights

For additional support, review the API help documentation. Expand each section to review the responses available and associated fields.

Example JSON Payload
Request:
{
   "clientId": "${CLIENT_ID}",
   "useCase": "fraudInsights,walletInsights,payerInsights,inputValidation",
   "firstName": "John",
   "lastName": "Doe",
   "address": {
       "line1": "1600 Pennsylvania Ave NW",
       "city": "Washington",
       "state": "DC",
       "countryCode": "US",
       "postalCode": "20500"
   },
   "emailAddress": "john.doe@kount.com",
   "phoneNumber": "2088675309",
   "payment": {
       "paymentToken": "4242424242424242",
       "paymentType": "CARD"
   }
}
Response:
{
   "fraudInsights": {
       "attributes": {
           "chargebackRatio": 0,
           "chargebacks": 0,
           "dateFirstSeen": "1334352061",
           "dateLastSeen": "1650475877",
           "daysSinceFirstSeen": 4015,
           "daysSinceLastSeen": 356,
           "declineAuthRatio": 0,
           "declineNonAuthRatio": 0,
           "declinesAuth": 0,
           "declinesNonAuth": 0,
           "distinctBillAddresses": 5,
           "distinctBillCities": 2,
           "distinctBillCountryCodes": 2,
           "distinctBillEmails": 5,
           "distinctBillNames": 6,
           "distinctBillPhones": 3,
           "distinctBillPostalCodes": 5,
           "distinctBillStates": 2,
           "distinctBins": 4,
           "distinctCurrencies": 1,
           "distinctDates": 20,
           "distinctDays": 6,
           "distinctIpAddresses": 9,
           "distinctLatLons": 5,
           "distinctMerchantIds": 12,
           "distinctMonths": 19,
           "distinctPaymentTokens": 4,
           "distinctPaymentTypes": 4,
           "distinctQuarters": 16,
           "distinctShipAddresses": 8,
           "distinctShipCities": 2,
           "distinctShipCountryCodes": 2,
           "distinctShipEmails": 3,
           "distinctShipNames": 3,
           "distinctShipPhones": 4,
           "distinctShipPostalCodes": 6,
           "distinctShipStates": 2,
           "distinctWeeks": 20,
           "distinctYears": 9,
           "occurrence": 24,
           "occurrence30Days": 0,
           "occurrenceMostCommonBillAddress": 12,
           "occurrenceMostCommonBillCity": 19,
           "occurrenceMostCommonBillCountryCode": 20,
           "occurrenceMostCommonBillEmail": 17,
           "occurrenceMostCommonBillName": 7,
           "occurrenceMostCommonBillPhone": 6,
           "occurrenceMostCommonBillPostalCode": 14,
           "occurrenceMostCommonBillState": 5,
           "occurrenceMostCommonBin": 10,
           "occurrenceMostCommonCurrency": 24,
           "occurrenceMostCommonIpAddress": 16,
           "occurrenceMostCommonLatLon": 2,
           "occurrenceMostCommonMerchantId": 8,
           "occurrenceMostCommonPaymentToken": 10,
           "occurrenceMostCommonPaymentType": 19,
           "occurrenceMostCommonShipAddress": 3,
           "occurrenceMostCommonShipCity": 12,
           "occurrenceMostCommonShipCountryCode": 11,
           "occurrenceMostCommonShipEmail": 1,
           "occurrenceMostCommonShipName": 9,
           "occurrenceMostCommonShipPhone": 3,
           "occurrenceMostCommonShipPostalCode": 4,
           "occurrenceMostCommonShipState": 6,
           "occurrenceWeekday": 23,
           "occurrenceWeekend": 1,
           "proportionWeekday": 0.95833,
           "proportionWeekend": 0.04167,
           "refundRatio": 0,
           "refunds": 0
       },
       "scores": {
           "identityFraudScore": 0,
           "identityReasonCodes": [
               "LS05",
               "US03"
           ],
           "identityTrustworthinessScore": 0.75902,
           "legitimacyScores": [
               {
                   "legitimacyScore": 0.35703,
                   "reasonCodes": [
                       "LS05"
                   ]
               },
               {
                   "legitimacyScore": 0.4288,
                   "reasonCodes": [
                       "LS05"
                   ]
               },
               {
                   "legitimacyScore": 0.46921,
                   "reasonCodes": [
                       "LS05",
                       "LS02"
                   ]
               },
               {
                   "legitimacyScore": 0.45556,
                   "reasonCodes": []
               }
           ],
           "maxOmniscore": 89.1,
           "meanOmniscore": 79.225,
           "minOmniscore": 54.8
       }
   },
   "inputValidation": {
       "addressValidated": true,
       "emailValidated": true,
       "nameValidated": true,
       "paymentTokenValidated": true,
       "phoneValidated": true
   }
}
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