⛏️Full Response Consumer API Integration guide

This guide outlines the specifications for integrating and utilizing the Consumer API, including authentication steps, token request flow, and data retrieval methods.

Authentication

Obtain a token via the Authentication procedure.

Request Borrower Data

Introduction

This endpoint facilitates the generation of a borrower's full data available by their phone number.

Note:

To utilize this endpoint, an access token is required. The procedure for obtaining one is detailed in the preceding section.

Borrower Data Request Flow

To obtain a Borrower data, follow the instructions below.

• GET API URL

https://sandbox-app.lenderlink.ph/api/full/borrower

• Authorization

Use the generated token as Bearer access token and include it into the request.

Token	eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...

• Query Params

Parameter	Type	Mandatory	Description
requestId	String	Yes	Unique identification code generated by the client
firstName	String	Yes	First Name
lastName	String	Yes	Last Name
dateOfBirth	Date	Yes	Date of Birth - YYYY-MM-DD
cellphoneNumber	String	Yes	Borrower's phone number, the format is 63XXXXXXXXXX.
email	String	No	Borrower's email address
idNumber	String	No	Borrower's ID document number. ID, Driver license, etc

• Handling the Response

Upon successful validation, the server will return one of two responses:

1. No match:

{
    "requestId": "X123-AB45",
    "cellphoneNumber": "63XXXXXXXXXX",
    "matchFlag": "No hit",
    "data": []
}
                                

2. Match - data for all loans found in partners databases (full response) is returned

{
  "requestId": "X123-AB45",
  "cellphoneNumber": "63XXXXXXXXXX",
  "matchFlag": "Hit",
  "data": [
    {
      "recordID": "123456789",
      "kycSurname": "Doe",
      "kycFirstName": "John",
      "kycMiddleName": "Smith",
      "kycDateOfBirth": "1990-01-01",
      "kycIdNumber": "ABC123456",
      "kycIdType": 4,
      "kycMobileNumber": "63XXXXXXXXXX",
      "kycEmailAddress": "[email protected]",
      "kycAddress": "123 Main St, Anytown, USA",
      "loanInfoLoanType": 1,
      "loanInfoApplicationDate": "2022-01-01",
      "loanInfoOpenDate": "2022-01-01",
      "loanInfoLoanTerm": 5,
      "loanInfoOpenBalance": 10000,
      "loanInfoOutstandingBalance": 8000,
      "loanInfoNextDueDate": "2024-05-01",
      "loanInfoLastPaymentAmount": 200,
      "loanInfoLastPaymentDate": "2024-04-01",
      "loanInfoStatusCode": "Active",
      "loanInfoInstallmentAmount": 500,
      "loanInfoOverdueAmount": 100,
      "loanInfoRepaymentFrequency": 1,
      "loanInfoRepaymentHistory": "00000",
      "loanInfoCloseDate": "2023-12-28",
      "loanInfoLenderType": "fintech",
      "contributorId": "12d3ae45-678d-9ae1-2345-6e789e3xx000",
      "matchedKeys": [
        "cellphoneNumber",
        "email",
        "firstName-lastName-dateOfBirth"
      ],
      "matchedKeyCount": 3
    }
  ],
  "summary": {
    "numApp": 3,
    "numAcc": 1,
    "wasDpd30Ever": 1,
    "wasDpd90Ever": 0,
    "wasDpd30Last3Months": 1,
    "wasDpd90Last3Months": 0,
    "wasDpd30LastYear": 1,
    "wasDpd90LastYear": 0
  },
  "scores": {
    "CS": {
      "score": 540,
      "band": 9
    }
  }
}