FraudShield Advanced API

Overview

Objective: The FraudShield API is designed to proactively identify potential fraud accounts, enhancing the financial stability and liability management of financial institutions.

Solution: Utilizing advanced data enrichment techniques, FraudShield compiles and analyzes a comprehensive set of data about customers. This data extends beyond the initial account setup phase and includes insights into behavioral patterns, social media activities, and other critical data sources. Our approach ensures a deeper understanding of customer profiles, which is critical in today's dynamic financial landscape.

Impact: With FraudShield, financial institutions can significantly improve their fraud detection capabilities. By providing detailed and actionable insights into customer behavior, the API aids in pinpointing irregularities that may indicate fraudulent activities, thereby safeguarding institutional integrity and customer trust.

This API has one endpoint:

signzy.app/api/v3/fraudshield-advanced-score: The API takes five inputs, that are phone number, name, email ID, PAN, Pincode and IP Address as a record to search and validate whether this record corresponds to a fraud account or not.

API Description

API cURL

curl --location 'https://api.signzy.app/api/v3/fraudshield-advanced-score' \
--header 'Authorization:' \
--header 'Content-Type: application/json' \
--data-raw '{
    "phoneNumber": "",
    "name": "",
    "pan": "",
    "email": "",
    "pincode": "",
    "ipAddress": "",
    "strictness": "",
    "dob": "",
    "gender": "",
    "demographicScore": "",
    "pdfReport":""
}'

Input Table

Parameters	Required	Type
phoneNumber	Yes	String
name	Yes	String
email	No	String
pan	No	String
pincode	No	String
DOB	No	String
Gender	No	male/female
ipAddress	No	String
strictness	No	all,strict,moderate,lenient
demographic	No	all,true,false
pdfReport	No	true/false

API Output

{
    "result": {
        "trustScore": {
            "strict": {
                "score": "",
                "riskCategory": "",
                "nameMatch": "",
                "age": ""
            },
            "moderate": {
                "score": "",
                "riskCategory": "",
                "nameMatch": "",
                "age": ""
            },
            "lenient": {
                "score": "",
                "riskCategory": "",
                "nameMatch": "",
                "age": ""
            }
        },
        "demographicScore": {
            "strict": {
                "score": "",
                "riskCategory": "",
                "nameMatch": "",
                "age": ""
            },
            "moderate": {
                "score": "",
                "riskCategory": "",
                "nameMatch": "",
                "age": ""
            },
            "lenient": {
                "score": "",
                "riskCategory": "",
                "nameMatch": "",
                "age": ""
            }
        },
        "cyberCrimeCheck": {
            "impact": "",
            "phoneNumber": "",
            "email": ""
        },
        "epfo": {
            "impact": "",
            "uan": "",
            "establishmentName": "",
            "isEmployed": "",
            "name": "",
            "dateOfBirth": "",
            "gender": "",
            "dateOfJoining": "",
            "dateOfExit": ""
        },
        "pan": {
            "impact": "",
            "panAllotmentDate": "",
            "panAllotmentAge": "",
            "panStatus": "",
            "name": "",
            "number": "",
            "firstName": "",
            "middleName": "",
            "lastName": "",
            "typeOfHolder": "",
            "gender": "",
            "isIndividual": "",
            "category": "",
            "dateOfBirth": "",
            "maskedAadhaarNumber": "",
            "aadhaarLinked": ""
        },
        "digitalIdentityDetails": {
            "impact": "",
            "digitalIdentityScore": "",
            "samePhoneNameCount": "",
            "diffPhoneNameCount": "",
            "totalPhoneNameCount": "",
            "sameEmailNameCount": "",
            "diffEmailNameCount": "",
            "totalEmailNameCount": "",
            "morePhonesMappedWithEmail": "",
            "moreEmailsMappedWithPhone": "",
            "digitalFootprint": "",
            "fintechCount": "",
            "ageBand": "",
            "gender": "",
            "firstNameMatch": "",
            "lastNameMatch": "",
            "phoneFirstSeenYear": "",
            "emailFirstSeenYear": "",
            "phoneEmailMatch": "",
            "phoneEmailFirstSeenYear": "",
            "phoneEmailLastSeenYear": "",
            "phoneNameFirstSeenYear": "",
            "phoneNameLastSeenYear": "",
            "emailNameFirstSeenYear": "",
            "emailNameLastSeenYear": ""
        },
        "financeDetails": {
            "impact": "",
            "dmatAccount": "",
            "hasMutualFund": "",
            "hasCreditCard": "",
            "occupation": "",
            "businessOwner": ""
        },
        "phoneDetails": {
            "impact": "",
            "customerName": "",
            "isValid": "",
            "connectionType": "",
            "currentServiceProvider": "",
            "originalServiceProvider": "",
            "networkRegion": "",
            "phoneDeactivatedDays": "",
            "phoneDeactivationCount": "",
            "phoneDisposable": "",
            "phoneTenure": {
                "min": "",
                "max": ""
            }
        },
        "portedHistory": {
            "impact": "",
            "numberOfPorts": "",
            "portedSinceXDays": "",
            "changeInCarrierRegion": "",
            "portedEvents": []
        },
        "phoneFootprint": {
            "impact": "",
            "registeredProfiles": "",
            "flipkart": "",
            "snapdeal": "",
            "shopclues": "",
            "ajio": "",
            "amazon": "",
            "facebook": "",
            "twitter": "",
            "instagram": "",
            "microsoft": "",
            "linkedin": "",
            "telegram": "",
            "whatsapp": "",
            "skype": "",
            "google": "",
            "yahoo": "",
            "housing": "",
            "jeevansathi": "",
            "shaadi": "",
            "nobroker": "",
            "indiatimes": "",
            "irctc": "",
            "byjus": "",
            "digilocker": ""
        },
        "emailDetails": {
            "impact": "",
            "status": "",
            "freeEmail": "",
            "subStatus": "",
            "domain": "",
            "domainAgeDays": "",
            "smtpProvider": "",
            "emailTenure": "",
            "emailBreach": []
        },
        "emailFootprint": {
            "impact": "",
            "registeredProfiles": "",
            "apple": "",
            "samsung": "",
            "google": "",
            "amazon": "",
            "ebay": "",
            "flipkart": "",
            "facebook": "",
            "instagram": "",
            "pinterest": "",
            "twitter": "",
            "quora": "",
            "skype": "",
            "discord": "",
            "github": "",
            "wordpress": "",
            "atlassian": "",
            "linkedin": "",
            "microsoft": "",
            "zoho": "",
            "adobe": "",
            "spotify": "",
            "disneyplus": "",
            "netflix": "",
            "booking": "",
            "airbnb": "",
            "paypal": "",
            "duolingo": ""
        },
        "pincode": {
            "impact": "",
            "blacklisted": "",
            "phonePincodeFirstSeenDays": "",
            "phonePincodeLastSeenDays": "",
            "phonePincodeMatchCount": "",
            "phoneUniquePincodesCount": "",
            "emailPincodeFirstSeenDays": "",
            "emailPincodeLastSeenDays": "",
            "emailPincodeMatchCount": "",
            "emailUniquePincodesCount": ""
        },
        "ipBlacklist": {
            "impact": "",
            "isHijacked": "",
            "isSpider": "",
            "isTor": "",
            "isDshield": "",
            "isVpn": "",
            "isSpyware": "",
            "isSpamBot": "",
            "isBot": "",
            "isListed": "",
            "isProxy": "",
            "isMalware": "",
            "isExploitBot": "",
            "blocklists": [],
            "listCount": "",
            "sensors": [],
            "city": "",
            "regionCode": "",
            "region": "",
            "country": "",
            "latitude": "",
            "longitude": ""
        },
        "apiStatuses": {
            "getBasicEmploymentVerification": "FAILURE",
            "digitalIdentityScore": "SUCCESS",
            "getPhoneKycDetails": "SUCCESS",
            "getEmailValidation": "SUCCESS",
            "digitalIntegrity": "NOT_APPLICABLE",
            "panExtensive": "SUCCESS",
            "compliance206IndividualSearch": "SUCCESS",
            "emailSocial": "SUCCESS",
            "phoneSocial": "SUCCESS",
            "phoneToPan": "SUCCESS",
            "emailBreach": "FAILURE",
            "pincodeToPopulation": "NOT_APPLICABLE",
            "cyberCrimeRecords": "SUCCESS",
            "cyberFraudRecords": "FAILURE",
            "mnrlCheck": "SUCCESS"
        },
        "userTrustReport": ""
    }
}

Output Table

Field Name	Sub Field	Type	Description
trustScore		Object	Contains trust scores calculated under different strictness levels.
trustScore (strict)		Object	Trust score details under a strict evaluation criteria.
	score	String	Numerical score indicating trust level under strict criteria.
	riskCategory	String	Categorization of risk based on the strict trust score.
	nameMatch	String	Score or indicator of how well the provided name matches other records.
	age	String	Age-related information under strict criteria.
trustScore (moderate)		Object	Trust score details under a moderate evaluation criteria.
	score	String	Numerical score indicating trust level under moderate criteria.
	riskCategory	String	Categorization of risk based on the moderate trust score.
	nameMatch	String	Score or indicator of how well the provided name matches other records.
	age	String	Age-related information under moderate criteria.
trustScore (lenient)		Object	Trust score details under a lenient evaluation criteria.
	score	String	Numerical score indicating trust level under lenient criteria.
	riskCategory	String	Categorization of risk based on the lenient trust score.
	nameMatch	String	Score or indicator of how well the provided name matches other records.
	age	String	Age-related information under lenient criteria.
demographicScore		Object	Contains demographic scores calculated under different strictness levels.
demographicScore (Strict)		Object	Demographic score details under a strict evaluation criteria.
	score	String	Numerical score based on the demographics of the user under strict criteria.
	riskCategory	String	Categorization of risk based on the strict demographic score.
	nameMatch	String	Score or indicator of how well the provided name matches other records based on demographics.
	age	String	Age-related information based on demographics under strict criteria.
demographicScore (moderate)		Object	Demographic score details under a moderate evaluation criteria.
	score	String	Numerical score based on the demographics of the user under moderate criteria.
	riskCategory	String	Categorization of risk based on the moderate demographic score.
	nameMatch	String	Score or indicator of how well the provided name matches other records based on demographics.
	age	String	Age-related information based on demographics under moderate criteria.
demographicScore (Lenient)		Object	Demographic score details under a lenient evaluation criteria.
	score	String	Numerical score based on the demographics of the user under lenient criteria.
	riskCategory	String	Categorization of risk based on the lenient demographic score.
	nameMatch	String	Score or indicator of how well the provided name matches other records based on demographics.
	age	String	Age-related information based on demographics under lenient criteria.
cyberCrimeCheck		Object	Details related to checks against cybercrime databases.
	impact	String	Overall impact or result of the cybercrime check.
	phoneNumber	String	Indicator if the phone number was found in cybercrime databases.
	email	String	Indicator if the email was found in cybercrime databases.
epfo		Object	Details retrieved from the Employees' Provident Fund Organisation.
	impact	String	Overall impact or result of the EPFO data.
	uan	String	Universal Account Number associated with the individual.
	establishmentName	String	Name of the establishment where the individual is/was employed.
	isEmployed	String	Indicator of current employment status according to EPFO records.
	name	String	Name as per EPFO records.
	dateOfBirth	String	Date of birth as per EPFO records.
	gender	String	Gender as per EPFO records.
	dateOfJoining	String	Date of joining the establishment as per EPFO records.
	dateOfExit	String	Date of exit from the establishment as per EPFO records.
pan		Object	Details related to the Permanent Account Number.
	impact	String	Overall impact or result of the PAN verification.
	panAllotmentDate	String	Date when the PAN was allotted.
	panAllotmentAge	String	Age at the time of PAN allotment.
	panStatus	String	Current status of the PAN.
	name	String	Name associated with the PAN.
	number	String	The PAN number itself.
	firstName	String	First name associated with the PAN.
	middleName	String	Middle name associated with the PAN.
	lastName	String	Last name associated with the PAN.
	typeOfHolder	String	Type of PAN holder (e.g., Individual, Company).
	gender	String	Gender associated with the PAN.
	isIndividual	String	Indicator if the PAN holder is an individual.
	category	String	Category of the PAN holder.
	dateOfBirth	String	Date of birth associated with the PAN.
	maskedAadhaarNumber	String	Masked Aadhaar number linked with the PAN (if available).
	aadhaarLinked	String	Indicator if the PAN is linked with Aadhaar.

digitalIdentityDetails	Impact	Overall impact of digital identity checks.	String
	Digital Identity Score	Score representing the user's digital identity strength.	String
	Same Phone Name Count	Number of instances where the same phone number is associated with the user's name.	String
	Different Phone Name Count	Number of instances where a different phone number is associated with the user's name.	String
	Same Email Name Count	Number of instances where the same email address is associated with the user's name.	String
	Different Email Name Count	Number of instances where a different email address is associated with the user's name.	String
	Total Email Name Count	Total number of instances of email-to-name association.	String
	More Phones Mapped With Email	Number of additional phones mapped to the email address.	String
	More Emails Mapped With Phone	Number of additional emails mapped to the phone number.	String
	Digital Footprint	Overall footprint of the user's digital presence (e.g., Very Low).	String
	Fintech Count	The number of fintech accounts linked to the user.	String
	Age Band	The age range of the user based on digital records.	String
	Gender	The user's gender based on digital records.	String
	First Name Match	Whether the user's first name matches across digital records.	String
	Last Name Match	Whether the user's last name matches across digital records.	String
	Phone First Seen Year	Year the phone number was first observed in digital records.	String
	Email First Seen Year	Year the email address was first observed in digital records.	String
	Phone Email Match	Whether the phone number and email address match across digital records.	String
	Phone Email First Seen Year	Year the phone number and email address were first seen together.	String
	Phone Email Last Seen Year	Year the phone number and email address were last seen together.	String
	Phone Name First Seen Year	Year the phone number and user's name were first seen together.	String
	Phone Name Last Seen Year	Year the phone number and user's name were last seen together.	String
	Email Name First Seen Year	Year the email address and user's name were first seen together.	String
	Email Name Last Seen Year	Year the email address and user's name were last seen together.	String
financeDetails	Impact	Overall impact of finance checks.	String
	DMAT Account	Whether the user holds a DMAT account.	String
	Has Mutual Fund	Whether the user has invested in mutual funds.	String
	Has Credit Card	Whether the user holds a credit card.	String
	Occupation	The user's occupation.	String
	Business Owner	Whether the user is a business owner.	String
phoneDetails	Impact	Overall impact of phone checks.	String
	Customer Name	The name of the customer associated with the phone number.	String
	Connection Type	The type of phone connection (e.g., prepaid, postpaid).	String
	Current Service Provider	The current mobile service provider.	String
	Original Service Provider	The original mobile service provider.	String
	Phone Deactivated Days	Number of days the phone was deactivated.	String
	Phone Deactivation Count	Number of times the phone has been deactivated.	String
	Phone Disposable	Whether the phone number is disposable (temporary).	String
	Phone Tenure Min	Minimum tenure of the phone number.	String
	Phone Tenure Max	Maximum tenure of the phone number (if applicable).	String
portedHistory	Impact	Overall impact of porting history checks.	String
	Number of Ports	Number of times the phone number has been ported.	String
	Ported Since X Days	Number of days since the phone number was last ported.	String
	Change in Carrier Region	Whether there has been a change in the phone's carrier region.	String
	Ported Events	List of events related to the phone number's porting history.	Array

phoneFootprint	impact	The impact assessment related to the phone's digital footprint.	String
	registeredProfiles	The total number of registered profiles associated with the phone number.	String
	google	Indicates if the phone number is registered with a Google account.	String
	yahoo	Indicates if the phone number is registered with a Yahoo account.	String
	flipkart	Indicates if the phone number is registered with Flipkart.	String
	snapdeal	Indicates if the phone number is registered with Snapdeal.	String
	shopclues	Indicates if the phone number is registered with Shopclues.	String
	ajio	Indicates if the phone number is registered with Ajio.	String
	amazon	Indicates if the phone number is registered with Amazon.	String
	facebook	Indicates if the phone number is registered with Facebook.	String
	twitter	Indicates if the phone number is registered with Twitter.	String
	instagram	Indicates if the phone number is registered with Instagram.	String
	microsoft	Indicates if the phone number is registered with a Microsoft account.	String
	linkedin	Indicates if the phone number is registered with LinkedIn.	String
	telegram	Indicates if the phone number is registered with Telegram.	String
	whatsapp	Indicates if the phone number is registered with WhatsApp.	String
	skype	Indicates if the phone number is registered with Skype.	String
	digilocker	Indicates if the phone number is registered with Digilocker.	String
	housing	Indicates if the phone number is registered with Housing.com.	String
	jeevansathi	Indicates if the phone number is registered with Jeevansathi.	String
	shaadi	Indicates if the phone number is registered with Shaadi.com.	String
	nobroker	Indicates if the phone number is registered with NoBroker.	String
	indiatimes	Indicates if the phone number is registered with Indiatimes.	String
	irctc	Indicates if the phone number is registered with IRCTC.	String
	redbus	Indicates if the phone number is registered with RedBus.	String
	byjus	Indicates if the phone number is registered with Byju's.	String
emailDetails	impact	The impact assessment related to email details.	String
	status	Current status of the email account (e.g., active, inactive).	String
	freeEmail	Indicates if the email is associated with a free email provider (e.g., Gmail, Yahoo).	String
	subStatus	Additional status information for the email account.	String
	domain	Domain name of the email provider (e.g., gmail.com, yahoo.com).	String
	domainAgeDays	Age of the email domain in days.	String
	smtpProvider	The SMTP provider used for the email account.	String
	emailTenure	Duration for which the email account has been active.	String
	emailBreach	List of breaches associated with the email address.	Array of Objects
		- Domain: Domain associated with the breach.	String
		- BreachDate: Date of the data breach.	String
		- DataClasses: Types of data compromised in the breach (e.g., email addresses, passwords).	Array of Strings
emailFootprint	impact	The impact assessment related to the email's digital footprint.	String
	registeredProfiles	The total number of registered profiles associated with the email address.	String
	google	Indicates if the email address is registered with a Google account.	String
	apple	Indicates if the email address is registered with an Apple account.	String
	samsung	Indicates if the email address is registered with a Samsung account.	String
	amazon	Indicates if the email address is registered with an Amazon account.	String
	ebay	Indicates if the email address is registered with eBay.	String
	flipkart	Indicates if the email address is registered with Flipkart.	String
	facebook	Indicates if the email address is registered with Facebook.	String
	instagram	Indicates if the email address is registered with Instagram.	String
	pinterest	Indicates if the email address is registered with Pinterest.	String
	twitter	Indicates if the email address is registered with Twitter.	String
	quora	Indicates if the email address is registered with Quora.	String
	skype	Indicates if the email address is registered with Skype.	String
	discord	Indicates if the email address is registered with Discord.	String
	github	Indicates if the email address is registered with GitHub.	String
	wordpress	Indicates if the email address is registered with WordPress.	String
	atlassian	Indicates if the email address is registered with Atlassian products.	String
	linkedin	Indicates if the email address is registered with LinkedIn.	String
	microsoft	Indicates if the email address is registered with a Microsoft account.	String
	zoho	Indicates if the email address is registered with Zoho.	String
	adobe	Indicates if the email address is registered with Adobe.	String
	spotify	Indicates if the email address is registered with Spotify.	String
	disneyplus	Indicates if the email address is registered with Disney+.	String
	netflix	Indicates if the email address is registered with Netflix.	String
	booking	Indicates if the email address is registered with Booking.com.	String
	airbnb	Indicates if the email address is registered with Airbnb.	String
	paypal	Indicates if the email address is registered with PayPal.	String
	duolingo	Indicates if the email address is registered with Duolingo.	String
pincode	Impact	The effect of the pincode details on the Trust Score.	String
	Blacklisted	Indicates whether the pincode is NPCI blacklisted.	String
	Phone Pincode First Seen Days	The number of days since the pincode was first associated with the phone number.	String
	Phone Pincode Last Seen Days	The number of days since the pincode was last associated with the phone number.	String
	Phone Pincode Match Count	The number of times the pincode matches with the phone number.	String
	Phone Unique Pincodes Count	The count of unique pincodes associated with the phone number.	String
	Email Pincode First Seen Days	The number of days since the pincode was first associated with the email address.	String
	Email Pincode Last Seen Days	The number of days since the pincode was last associated with the email address.	String
	Email Pincode Match Count	The number of times the pincode matches with the email address.	String
	Email Unique Pincodes Count	The count of unique pincodes associated with the email address.	String
ipBlacklist	Impact	The effect of IP blacklist details on the Trust Score.	String
	Is Hijacked	Indicates whether the IP address is hijacked.	String
	Is Spider	Indicates whether the IP is associated with a web crawler or spider.	String
	Is Tor	Indicates whether the IP address is linked to the Tor network.	String
	Is Dshield	Indicates whether the IP is listed in the DShield database of known malicious IPs.	String
	Is VPN	Indicates whether the IP address is linked to a VPN (Virtual Private Network).	String
	Is Spyware	Indicates whether the IP is associated with spyware activities.	String
	Is Spam Bot	Indicates whether the IP is linked to a spam bot.	String
	Is Bot	Indicates whether the IP is linked to a bot activity.	String
	Is Listed	Indicates whether the IP is listed in any known blacklist or threat intelligence sources.	String
	Is Proxy	Indicates whether the IP is linked to a proxy server.	String
	Is Malware	Indicates whether the IP is associated with malware activities.	String
	Is Exploit Bot	Indicates whether the IP is linked to exploit bot activities.	String
	Blocklists	A list of blacklists where the IP address is flagged.	Array
	List Count	The number of lists the IP address is flagged on.	String
	Sensors	The detection sensors used to identify the IP address as malicious.	Array
	Latitude	The latitude associated with the geographical location of the IP address.	String
	Longitude	The longitude associated with the geographical location of the IP address.	String
pdfReport		Generate a PDF report of the output for better visualisation	String
apiStatuses	—	Status of each API used. Each entry in apiStatuses can be "SUCCESS" (if successful), "FAILURE" (if failed) or "NOT_APPLICABLE" (if not used).	Object

Risk category according to risk score

Score Range	Risk Category	Description
Greater than 750	Very Low Risk	Entities that pose minimal or no risk based on the evaluation criteria.
501 - 750	Low Risk	Entities with some risk, but generally acceptable with standard due diligence.
301 - 500	Moderate Risk	Entities with noticeable risk, requiring enhanced due diligence and monitoring.
Less than 300	High Risk	Entities with high risk, necessitating stringent monitoring and comprehensive mitigation measures.

Status Codes

Code	status	Description
200	Success	The request id was successfully generated.
404	Data not found	No record was found
409	Upstream Error	Usptream down, please try again
400	Bas request	Error in input parameters
500	Internal Server Error	Internal Server Error Please contact support

FAQ How is the final score determined? The score is calculated using a dual-factor evaluation methodology. First, the profile is assigned a score based on its positive attributes. Then, points are deducted for any negative indicators. For example, if a user scores 700 points but has certain negative traits—such as using a disposable email address or having a low digital presence—the overall score will be reduced accordingly. The final score reflects these adjustments, with each parameter contributing according to its assigned weight. What is the impact parameter? The impact parameter for each check indicates how much that particular check influences the overall score. If the impact is negative, it means that some negative flags have been found, resulting in a reduction of the score. What is the strictness parameter? The strictness parameter controls how strictly negative scores are applied. If set to "strict," 100% of the negative score for that particular check is deducted. If set to "moderate," this percentage is reduced, and it is reduced further for "lenient." What is demographic logic? Demographic logic is used to calculate the trust score using demographic parameters such as date of birth, gender, and pincode. This helps segment users into different categories and define the ideal user behavior for each category. The strictness logic is then applied on top of this, following the same principles. This approach makes our solution adaptable for users in tier 2 cities and below. Can the weightage of parameters be adjusted? Yes, the weightage assigned to each parameter, along with the risk categories, can be adjusted to meet specific requirements. These adjustments are typically based on the bank's Target Group (TG) or insights gained from a Proof of Concept (POC) analysis. Customizing the weightages allows institutions to fine-tune the scoring model to align with their specific risk tolerance and operational needs. How should this score be used? The Trustscore should be used during the onboarding process of new customers to assess their risk of being involved in activities. If a user is categorized as high risk, the bank should perform additional due diligence. This may involve conducting manual verifications, seeking additional documentation, or escalating the case to a specialized queue for further screening. By incorporating this score into the onboarding process, banks can mitigate potential risks and ensure compliance with anti-fraud and anti-money laundering regulations. Are any assumptions considered while generating the score? Yes, one key assumption is made: all the provided information belongs to a single individual and represents their primary, authentic details. This assumption is crucial for the integrity of the analysis, as inaccuracies in input data can impact the validity of the generated Trustscore. What happens if a check fails to return an output? If an API or parameter check fails to provide an output, the corresponding impact parameter for that check is marked as "NA" (not applicable). The AI/ML model compensates for this by redistributing the weightages across the other successfully retrieved parameters. This ensures that the final score remains valid even if some data points are unavailable, albeit with a slightly reduced level of granularity.