# Identity Insights Risk Score
source: https://developer.mastercard.com/identity-insights-solutions/documentation/use-cases/identity-insights-risk-score/index.md

Obtain a risk score on a transaction during Pre-Authentication or Pre-Authorization, or Post Authorization.

## Pre-Authentication or Pre-Authorization of a Transaction {#pre-authentication-or-pre-authorization-of-a-transaction}

This flow shows a high-level data flow between the customer and Mastercard for obtaining a risk score on a transaction. This flow will work for all Direct Customer or Partner Pre-Authentication, Pre-Authorization use cases.


Diagram iirs_pre_auth_flow
 

#### Identity Insights Risk Score Decisioning Flow  {#identity-insights-risk-score-decisioning-flow}

The following describes the high-level flow for leveraging Identity Insights Risk Score during transaction processing: 

1. The consumer initiates their transaction with the Merchant. 

2. The Merchant submits transaction details to their decisioning platform for review (Internal / Third Party).

3. The Decisioning Platform sends a request specifying Identity Insights Risk Score (workflow_id = 2) to the Insights endpoint on the Identity Insights Solutions API.

4. Mastercard evaluates the identity attributes against its global identity network, generates a risk score and reason code.

5.The score and reason codes are returned to the Decisioning Platform.  

6. The Merchant or Acquirer leverages the score within their risk decisioning engine to determine how to proceed with the transaction. 

7. The Decisioning Platform leverages the score within their decisioning to determine how to proceed with the transaction.  

   <br />

   Based on the risk decision, the Merchant or Acquirer will either:  

   * Approve the transaction with reduced friction (low risk) 
   * Request additional verification or step-up authentication (elevated risk) 
   * Decline or flag the transaction for manual review (substantial risk) 

## Post-Authorization of a Transaction {#post-authorization-of-a-transaction}

The following flow shows a high-level data flow between the customer and Mastercard for obtaining a risk score on a post transaction. This flow will work for all Direct Customer or Partner Post-Authorization use cases.

#### Example Sequence {#example-sequence}

Diagram iirs_post_auth_flow

#### Identity Insights Risk Score Decisioning Flow  {#identity-insights-risk-score-decisioning-flow-1}

1. The consumer completes their transaction with the Merchant.
2. The merchant submits transaction details to their decisioning platform for review (Internal / Third Party).
3. The Decisioning Platform sends a request specifying Identity Insights Risk Score (workflow_id = 2) to the Insights endpoint on the Identity Insights Solutions API.
4. Mastercard evaluates the identity attributes against its global identity network, generates a risk score and reason code.
5. The score and reason codes are returned to the Decisioning Platform.
6. The Decisioning Platform leverages the score within their decisioning to determine how to proceed with the transaction.  

   Based on the risk decision, the Merchant will either: 
   * Complete the order without any manual review (low risk) 
   * Mark the transaction for further review before proceeding with the order (elevated risk) 
   * Decline the order, initiating a Reversal with the Issuer (substantial risk) 

Refer to the [API Reference](https://developer.mastercard.com/identity-insights-solutions/documentation/api-reference/index.md) for more details on each endpoint and related parameters. Refer to the [Code and Formats](https://developer.mastercard.com/identity-insights-solutions/documentation/code-and-formats/index.md) for more details on error codes.