Pre PIX Transaction

当付款人有意发起付款时，交易数据可以事先由我们的服务器进行评估。这样，可以根据该数据集对交易所涉及的风险进行预先分析。

Pre Pix Transactions 对象定义

Request Body

{
    "id": "082373263",
    "transaction_direction": "received",
    "client": {
        "id": "123456",
        "document_number": "056.966.649-03",
        "name": "Francisco Oliveira Benedetti",
        "type": "natural_person",
        "address": {
            "street": "Avenida 13",
            "number": "704",
            "neighbourhood": "Centro",
            "city": "Ituiutaba",
            "uf": "MG",
            "complement": "Apt 1101",
            "postal_code": "38300-140"
        },
        "phone": {
            "international_dial_code": "55",
            "area_code": "16",
            "number": "981610077",
            "type": "mobile"
        },
        "sales_channel": "inbound_sales",
        "segment": "Personalité"
    },
    "amount": 13725,
    "dict_key": {
        "key_type": "cpf",
        "key_value": "09991222669",
        "assignment_date": "2020-01-15T18:00:00-03:00"
    },
    "face_recognition_key": "ef39e206-13d5-48de-b368-6c3bbc6f0222",
    "source_account": {
        "participant": "17315359",
        "branch": "0000",
        "account_number": "10442",
        "account_digit": "6",
        "owner": {
            "type": "legal_person",
            "document_number": "07.487.735/0001-69",
            "name": "Gioconda Pizzaria e Rotisseria LTDA."
        },
        "account_type": "CACC",
        "opening_date": "2020-01-15T18:00:00-03:00"
    },
    "destination_account": {
        "participant": "60701190",
        "branch": "3675",
        "account_number": "10442",
        "account_digit": "6",
        "owner": {
            "type": "natural_person",
            "document_number": "056.966.649-03",
            "name": "Francisco Oliveira Benedetti"
        },
        "account_type": "SLRY",
        "opening_date": "2020-01-15T18:00:00-03:00"
    },
    "destination_statistics": {
        "person":{
            "settlements":{
                "d90":4,
                "m12":67,
                "m60":618
            },
            "application_frauds":{
                "d90":0,
                "m12":4,
                "m60":9
            },
            "mule_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "scammer_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "other_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "unknown_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "total_frauds_transaction_amount":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "distinct_fraud_reporters":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "open_reports":0,
            "open_reports_distinct_reporters":0,
            "rejected_reports":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "registered_accounts":0
        },
        "owner":{
            "settlements":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "application_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "mule_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "scammer_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "other_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "unknown_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "total_frauds_transaction_amount":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "distinct_fraud_reporters":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "open_reports":0,
            "open_reports_distinct_reporters":0,
            "registered_accounts":0
        },
        "key":{
            "settlements":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "application_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "mule_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "scammer_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "other_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "unknown_frauds":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "total_frauds_transaction_amount":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "distinct_fraud_reporters":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "open_reports":0,
            "open_reports_distinct_reporters":0,
            "rejected_reports":{
                "d90":0,
                "m12":0,
                "m60":0
            },
            "distinct_accounts":{
                "d90":0,
                "m12":0,
                "m60":0
            }
        }
    },
    "source": {
        "channel": "internet_banking",
        "platform": "android",
        "ip": "198.185.065.098",
        "session_id": "7839jdqd9a8wd9"
    },
    "event_date": "2019-12-11T11:37:15.12-03:00"
}

交易必须在转发到处理系统之前发送到 API，以便进行预先欺诈验证。

交易状态表示模型对该交易返回的决策。以下状态用于 analysis_status 标志：

automatically_approved
automatically_reproved
automatically_challenged
pending

以下是 analysis_status 标志中返回的每个决策的含义：

状态	描述
automatically_approved	建议批准此交易。
automatically_reproved	建议拒绝此交易。
automatically_challenged	QI Tech 算法建议对此交易发起挑战。
pending	交易正在处理中。

名称	类型	描述
id	string	客户系统中支付的标识符。此编号对每个支付流程必须唯一（必填）
transaction_direction	枚举	注册交易的类型。定义客户是收款还是付款。（必填）
client	client	表示客户数据的对象，无论是付款人还是收款人。（必填）
amount	整数	支付金额，以分为单位——如"标准"部分所述。（必填）
pix_modality	string	注册交易的类型。指示是否表示转账、找零或取款。
dict_key	dict_key	表示客户在交易中使用的 DICT 绑定密钥数据的对象。
face_recognition_key	string	面部识别密钥，如果已通过我们的面部识别 API 进行面部识别。
source_account	source_account	表示被扣款账户数据的对象。（必填）
destination_account	destination_account	表示被入账账户数据的对象。（必填）
destination_statistics	destination_statistics	表示来自 BACEN DICT API 的被入账账户交易和欺诈历史的对象。
source	source	Source 类型的对象，描述用于发送支付的应用程序信息
event_date	datetime	交易开始的日期和时间，含时区。（必填）

transaction_direction 的枚举值为：sent 和 received。

pix_modality 的枚举值为：transacation、change 和 withdraw。

发送预交易

Request Body

  {
    "id": "12345",
    ...
  }

Response Body

  {
    "id": "12345",
    "analysis_status": "automatically_approved",
    "reason": "rule_decision_enum",
    "reason_desciption": "Descrição da regra"
  }

要评估预交易，只需将 Transaction 类型的对象发送到以下端点：

POST https://api.caas.qitech.app/account_event/event_type/pre_pix_transaction

挑战流程

在执行分析后，可能会决定对用户发起挑战，要求其在您的平台上执行新操作。例如，此流程可用于要求用户进行 2FA（例如面部分析）。

流程执行步骤

1. 事件提交分析后，将返回 automatically_challenged 状态。

Request Body

{
    "id": "082373263",
    ...
    "event_date": "2019-12-11T11:37:15.12-03:00"
}

Response Body

{
  "id": "082373263",
  "analysis_status": "automatically_challenge"
  ...
}

2. 在第一次分析请求返回挑战 analysis_status 后，如果客户流程已完成，可以发送新请求附带结果。此请求必须使用与前一请求相同的 event_id，且当前状态必须为 automatically_challenged。此更新的可能状态为：

approved_by_client
reproved_by_client

PATCH https://api.caas.qitech.app/account_event/event_type/pre_pix_transaction/{event_id}

Request Body：附加信息的发送

{
    "analysis_status": "approved_by_client"
}

Response Body

{
  "id": "082373263",
  "analysis_status": "approved_by_client"
  ...
}