Geo Intelligence API - Fetch result

Overview

The Geo Intelligence API is a powerful data aggregation and ranking engine that enables lenders, collections teams, and fraud-risk functions to programmatically discover and verify customer addresses using a mobile phone number.

The API processes the retrieved records to deliver a clean, actionable output. The results are:

Structured: Raw address strings are parsed into standardized fields (Full address, City, State, Pincode).

Ranked & Deduplicated: Duplicate entries are merged, and addresses are sorted based on a proprietary ranking logic.

Scored for Confidence: Each address is assigned a confidenceScore (0–100) and a confidenceBand (HIGH, MEDIUM, LOW) based on source trust, recency, completeness, and multi-source corroboration.

Tagged for Provenance: Every address includes the reported date and source type (e.g., PRIMARY, DELIVERY) so downstream systems can weight the freshness appropriately.

Key Use Cases

1. Skip Tracing & Debt Collections When a borrower defaults and becomes unreachable, collections teams can input the user's phone number to retrieve a ranked list of all known historical and current addresses.

2. Planning CPV (Customer Physical Verification) Financial institutions spend significant time and money conducting manual field visits to verify customer addresses. By utilizing this API alongside risk decisioning logic, lenders can automatically validate a customer-declared address against high-trust government and bureau records.

3. Spotting address mismatches and fraud

During onboardings, compare the declared address with the addresses linked to the customer's phone number. A declared address that never appears, or appears only in a different state, is a useful risk signal for underwriting.

4. E-Commerce Address Recovery (Digital Footprint) Standard credit bureaus often lack data on users who are "new to credit." Through integrated, authorized e-commerce checkout networks, the API can fetch recently used delivery addresses along with their exact delivery timestamps.

API details:

Headers

Header	Required	Description
Authorization	Yes	Bearer token/API authorization token
Content-Type	Yes	application/json

Request Body

Field	Type	Required	Description
requestId	String	Yes	The requestId returned by the Initiate Request API

Sample Request

{ "requestId": "6xxxxxx5-exxf-4xx2-9xx1-exxxxxxxx87" }

Response

Field	Type	Description
result	Object	API result object
result.requestId	String	The requestId passed in the request body
result.phoneNumber	String	Phone number provided in the request body
result.addresses	Array	List of all available addresses associated with the phone number
result.allAddresses[].seq	Number	Sequential number across all returned addresses.
result.allAddresses[].rank	Number	Final ranking after recency, completeness, metro boost, and confidence scoring. Rank 1 is most recommended.
result.allAddresses[].fullAddress	String	Normalised original full address string.
result.allAddresses[].city	String	City where that address belongs to
result.allAddresses[].district	String	District where that address belongs to
result.allAddresses[].state	String	State where that address belongs to
result.allAddresses[].pincode	String	6-digit PIN code
result.allAddresses[].addressType	String	Type as reported by the underlying data network (e.g., Primary, Delivery)
result.allAddresses[].reportedDate	String	Date the address was last reported in the data network. Used as primary freshness signal.
result.allAddresses[].isMetro	String	True if the city is a Tier-1 metro (Bengaluru, Mumbai, Delhi, Chennai, Hyderabad, Kolkata, Pune, Ahmedabad).
result.allAddresses[].addressCompleteness	String	HIGH \| MEDIUM \| LOW
result.allAddresses[].confidenceScore	Number	Composite per-address confidence score
result.allAddresses[].confidenceBand	String	HIGH \| MEDIUM \| LOW
totalAddressesFound	Number	Total address found after filtering out duplicate one
apiStatus	String	API status
requestTimestamp	String	Timestamp for the request

Sample Response


{
  "result": {
    "requestId": "XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX",
    "phoneNumber": "XXXXXXXXXX",
    "addresses": [
      {
        "seq": 1,
        "rank": 1,
        "fullAddress": "XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX",
        "city": "XXXXXXX",
        "district": "XXXXXXX",
        "state": "XXXXXXX",
        "pincode": "XXXXXX",
        "addressType": "DELIVERY",
        "reportedDate": "XXXX-XX-XX",
        "isMetro": "XXXXX",
        "addressCompleteness": "HIGH",
        "confidenceScore": "XX",
        "confidenceBand": "MEDIUM"
      },
      {
        "seq": 2,
        "rank": 2,
        "fullAddress": "XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX",
        "city": "XXXXXXX",
        "district": "XXXXXXX",
        "state": "XXXXXXX",
        "pincode": "XXXXXX",
        "addressType": "OTHER",
        "reportedDate": "XXXX-XX-XX",
        "isMetro": "XXXXX",
        "addressCompleteness": "HIGH",
        "confidenceScore": "XX",
        "confidenceBand": "LOW"
      }
    ],
    "totalAddressesFound": 2,
    "apiStatus": "SUCCESS",
    "requestTimestamp": "XXXX-XX-XXTXX:XX:XX.XXXZ"
  }
}

Notes

This API is supported only for Indian mobile numbers.

Multiple addresses may be returned for a single phone number.

Addresses are returned along with their source category and the date on which they were recorded.

If no address is available, addresses will be an empty array and totalAddressesFound will be 0.