Add risk score reasons

CHANGELOG.md

@@ -1,5 +1,12 @@
 # Changelog
 
+## v2.7.0-beta.1
+
+* Added support for the new risk reasons outputs in minFraud Factors. The risk
+  reasons output codes and reasons are currently in beta and are subject to
+  change. We recommend that you use these beta outputs with caution and avoid
+  relying on them for critical applications.
+
 ## v2.6.0 (2024-07-08)
 
 * Updated the validation for the Report Transactions API to make the

lib/minfraud/model/factors.rb

@@ -2,11 +2,22 @@
 
 require 'minfraud/model/insights'
 require 'minfraud/model/subscores'
+require 'minfraud/model/risk_score_reason'
 
 module Minfraud
   module Model
     # Model representing the Factors response.
     class Factors < Insights
+      # This field contains RiskScoreReason objects that describe
+      # risk score reasons for a given transaction
+      # that change the risk score significantly.
+      # Risk score reasons are usually only returned for medium to
+      # high risk transactions. If there were no significant changes to the risk
+      # score due to these reasons, then this array will be empty.
+      #
+      # @return [Array<Minfraud::Model::RiskScoreReason>]
+      attr_reader :risk_score_reasons
+
       # An object containing scores for many of the individual risk factors
       # that are used to calculate the overall risk score.
       #
@@ -17,6 +28,13 @@ class Factors < Insights
       def initialize(record, locales)
         super
 
+        @risk_score_reasons = []
+        if record&.key?('risk_score_reasons')
+          record['risk_score_reasons'].each do |r|
+            @risk_score_reasons << Minfraud::Model::RiskScoreReason.new(r)
+          end
+        end
+
         @subscores = Minfraud::Model::Subscores.new(get('subscores'))
       end
     end

lib/minfraud/model/reason.rb

@@ -0,0 +1,90 @@
+# frozen_string_literal: true
+
+require 'minfraud/model/abstract'
+
+module Minfraud
+  module Model
+    # The risk score reason for the multiplier.
+    #
+    # This class provides both a machine-readable code and a human-readable
+    # explanation of the reason for the risk score, see
+    # https://dev.maxmind.com/minfraud/api-documentation/responses/schema--response--risk-score-reason--multiplier-reason.
+    # Although more codes may be added in the future, the current codes are:
+    #
+    # * BROWSER_LANGUAGE - Riskiness of the browser user-agent and
+    #   language associated with the request.
+    # * BUSINESS_ACTIVITY - Riskiness of business activity
+    #   associated with the request.
+    # * COUNTRY - Riskiness of the country associated with the request.
+    # * CUSTOMER_ID - Riskiness of a customer's activity.
+    # * EMAIL_DOMAIN - Riskiness of email domain.
+    # * EMAIL_DOMAIN_NEW - Riskiness of newly-sighted email domain.
+    # * EMAIL_ADDRESS_NEW - Riskiness of newly-sighted email address.
+    # * EMAIL_LOCAL_PART - Riskiness of the local part of the email address.
+    # * EMAIL_VELOCITY - Velocity on email - many requests on same email
+    #   over short period of time.
+    # * ISSUER_ID_NUMBER_COUNTRY_MISMATCH - Riskiness of the country mismatch
+    #   between IP, billing, shipping and IIN country.
+    # * ISSUER_ID_NUMBER_ON_SHOP_ID - Risk of Issuer ID Number for the shop ID.
+    # * ISSUER_ID_NUMBER_LAST_DIGITS_ACTIVITY - Riskiness of many recent requests
+    #   and previous high-risk requests on the IIN and last digits of the credit card.
+    # * ISSUER_ID_NUMBER_SHOP_ID_VELOCITY - Risk of recent Issuer ID Number activity
+    #   for the shop ID.
+    # * INTRACOUNTRY_DISTANCE - Risk of distance between IP, billing,
+    #   and shipping location.
+    # * ANONYMOUS_IP - Risk due to IP being an Anonymous IP.
+    # * IP_BILLING_POSTAL_VELOCITY - Velocity of distinct billing postal code
+    #   on IP address.
+    # * IP_EMAIL_VELOCITY - Velocity of distinct email address on IP address.
+    # * IP_HIGH_RISK_DEVICE - High-risk device sighted on IP address.
+    # * IP_ISSUER_ID_NUMBER_VELOCITY - Velocity of distinct IIN on IP address.
+    # * IP_ACTIVITY - Riskiness of IP based on minFraud network activity.
+    # * LANGUAGE - Riskiness of browser language.
+    # * MAX_RECENT_EMAIL - Riskiness of email address
+    #   based on past minFraud risk scores on email.
+    # * MAX_RECENT_PHONE - Riskiness of phone number
+    #   based on past minFraud risk scores on phone.
+    # * MAX_RECENT_SHIP - Riskiness of email address
+    #   based on past minFraud risk scores on ship address.
+    # * MULTIPLE_CUSTOMER_ID_ON_EMAIL - Riskiness of email address
+    #   having many customer IDs.
+    # * ORDER_AMOUNT - Riskiness of the order amount.
+    # * ORG_DISTANCE_RISK - Risk of ISP and distance between
+    #   billing address and IP location.
+    # * PHONE - Riskiness of the phone number or related numbers.
+    # * CART - Riskiness of shopping cart contents.
+    # * TIME_OF_DAY - Risk due to local time of day.
+    # * TRANSACTION_REPORT_EMAIL - Risk due to transaction reports
+    #   on the email address.
+    # * TRANSACTION_REPORT_IP - Risk due to transaction reports on the IP address.
+    # * TRANSACTION_REPORT_PHONE - Risk due to transaction reports
+    #   on the phone number.
+    # * TRANSACTION_REPORT_SHIP - Risk due to transaction reports
+    #   on the shipping address.
+    # * EMAIL_ACTIVITY - Riskiness of the email address
+    #   based on minFraud network activity.
+    # * PHONE_ACTIVITY - Riskiness of the phone number
+    #   based on minFraud network activity.
+    # * SHIP_ACTIVITY - Riskiness of ship address based on minFraud network activity.
+    class Reason < Abstract
+      # This value is a machine-readable code identifying the reason.
+      #
+      # @return [String]
+      attr_reader :code
+
+      # This property provides a human-readable explanation of the reason. The
+      # description may change at any time and should not be matched against.
+      #
+      # @return [String]
+      attr_reader :reason
+
+      # @!visibility private
+      def initialize(record)
+        super
+
+        @code   = get('code')
+        @reason = get('reason')
+      end
+    end
+  end
+end

lib/minfraud/model/risk_score_reason.rb

@@ -0,0 +1,41 @@
+# frozen_string_literal: true
+
+require 'minfraud/model/reason'
+
+module Minfraud
+  module Model
+    # The risk score multiplier and the reasons for that multiplier.
+    class RiskScoreReason < Abstract
+      # The factor by which the risk score is increased (if the value is greater than 1)
+      # or decreased (if the value is less than 1) for given risk reason(s).
+      # Multipliers greater than 1.5 and less than 0.66 are considered significant
+      # and lead to risk reason(s) being present.
+      #
+      # @return [Float]
+      attr_reader :multiplier
+
+      # This field contains Risk objects that describe one of the reasons for the multiplier.
+      #
+      # @return [Array<Minfraud::Model::Risk>]
+      attr_reader :reasons
+
+      # @!visibility private
+      def initialize(record)
+        super
+
+        if record
+          @multiplier = record.fetch('multiplier', nil)
+        else
+          @multiplier = nil
+        end
+
+        @reasons = []
+        if record&.key?('reasons')
+          record['reasons'].each do |r|
+            @reasons << Minfraud::Model::Reason.new(r)
+          end
+        end
+      end
+    end
+  end
+end

minfraud.gemspec

@@ -22,10 +22,10 @@ Gem::Specification.new do |spec|
   spec.executables   = spec.files.grep(%r{^exe/}) { |f| File.basename(f) }
   spec.require_paths = ['lib']
 
-  spec.add_runtime_dependency 'connection_pool', '~> 2.2'
-  spec.add_runtime_dependency 'http', '>= 4.3', '< 6.0'
-  spec.add_runtime_dependency 'maxmind-geoip2', '~> 1.2'
-  spec.add_runtime_dependency 'simpleidn', '~> 0.1', '>= 0.1.1'
+  spec.add_dependency 'connection_pool', '~> 2.2'
+  spec.add_dependency 'http', '>= 4.3', '< 6.0'
+  spec.add_dependency 'maxmind-geoip2', '~> 1.2'
+  spec.add_dependency 'simpleidn', '~> 0.1', '>= 0.1.1'
 
   spec.add_development_dependency 'bundler', '~> 2.2'
   spec.add_development_dependency 'rake', '~> 13.0'

spec/fixtures/files/factors-response1.json

@@ -206,5 +206,43 @@
       "input_pointer": "/account/username_md5",
       "warning": "Encountered value at /account/username_md5 that does meet the required constraints"
     }
+  ],
+  "risk_score_reasons": [
+    {
+      "multiplier": 45.0,
+      "reasons": [
+        {
+          "code": "ANONYMOUS_IP",
+          "reason": "Risk due to IP being an Anonymous IP"
+        }
+      ]
+    },
+    {
+      "multiplier": 1.8,
+      "reasons": [
+        {
+          "code": "TIME_OF_DAY",
+          "reason": "Risk due to local time of day"
+        }
+      ]
+    },
+    {
+      "multiplier": 1.6,
+      "reasons": [
+        {
+          "reason": "Riskiness of newly-sighted email domain",
+          "code": "EMAIL_DOMAIN_NEW"
+        }
+      ]
+    },
+    {
+      "multiplier": 0.34,
+      "reasons": [
+        {
+          "code": "EMAIL_ADDRESS_NEW",
+          "reason": "Riskiness of newly-sighted email address"
+        }
+      ]
+    }
   ]
 }

spec/model/factors_spec.rb

@@ -31,6 +31,22 @@
       expect(m.subscores.shipping_address).to eq 0.2
       expect(m.subscores.shipping_address_distance_to_ip_location).to eq 0.16
       expect(m.subscores.time_of_day).to eq 0.17
+
+      expect(m.risk_score_reasons.length()).to eq 3
+      expect(m.risk_score_reasons[0].multiplier).to eq 45.0
+      expect(m.risk_score_reasons[0].reasons.length()).to eq 1
+      expect(m.risk_score_reasons[0].reasons[0].code).to eq 'ANONYMOUS_IP'
+      expect(m.risk_score_reasons[0].reasons[0].reason).to eq 'Risk due to IP being an Anonymous IP'
+    end
+
+    it 'checks absence of risk score reasons' do
+      buf    = File.read('spec/fixtures/files/factors-response1.json')
+      record = JSON.parse(buf)
+      record.delete('risk_score_reasons')
+
+      m = Minfraud::Model::Factors.new(record, ['en'])
+
+      expect(m.risk_score_reasons).to eq []
     end
   end
 end