Geo Intelligence API - Initiate request
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.
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, 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:
Endpoint
POST /api/v3/address-intelligence/phone-to-address-advance
Headers
Header | Required | Description |
|---|---|---|
Authorization | Yes | Bearer token/API authorization token |
Content-Type | Yes | application/json |
Request Body
Field | Type | Required | Description |
|---|---|---|---|
phoneNumber | String | Yes | 10-digit Indian mobile number whose associated addresses need to be retrieved. |
callbackUrl | String | No | The callback URL where response will be received |
consent | Boolean | Yes | Consent to fetch addresses |
Sample Request
Response
Field | Type | Description |
|---|---|---|
result | Object | API result object |
requestId | String | Request ID to use in the Fetch Result API. |
status | String | Indicates whether address data exists for the phone number |
Sample Response
{
"result": {
"requestId": "64c9e525-e42f-41a2-9761-e3ff4c56ea87",
"status": "processing"
}
}Notes
- This API is supported only for Indian mobile numbers.