Loan Applications Check API

Provides the information based on the telco scoring inquiries of a user. Loan Applications Check is currently available only for SMART and Globe numbers.

Authentication

Prerequisites

In order to obtain an API Token you first need to have client_id and client secret from the previous step.

Token Request Flow

To authenticate and obtain an OAuth token, follow the standard OAuth token request flow.

  • POST API URL

Copy

https://sandbox-app.lenderlink.ph/oauth/token

  • Grant Type

Use this grant type when the client is a server and does not require user authentication.

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"grant_type": "client_credentials"

  • Requesting the Access Token

To request the Access Token, submit a POST request to the API URL, including the following body parameters in JSON format:

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{
    "grant_type": "client_credentials",
    "client_id": "your client id",
    "client_secret": "your client secret"
}

  • Handling the Token Response

Upon successful validation, the authorization server will respond with an access token:


{
    "token_type": "Bearer",
    "expires_in": 86400,
    "access_token": "eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm..."
}

  • Token Lifespan

Access tokens have a limited lifespan of 86400 seconds. Once the token expires, you can obtain a new one.

Endpoint

The API endpoint for accessing the telco score is:

https://sandbox-app.lenderlink.ph/api/v1/telco/score

Request Parameters

The request should include the following parameters:

Parameter
Mandatory
Description

cellphoneNumber

Yes

Should contain the SMART number of the client for whom you want to generate the Loan Applications Check.Format 63XXXXXXXXXX

productIds

Yes

parameter is a semicolon-separated list of product codes that you want to use for Loan Applications Check. For this API request, the productIds should be "CVSCR2;".

requestId

Yes

Identifier for the API request. It should be a unique value for each API call.

email

No

Email address of the person

Response Parameters

The API response will be in JSON format and will include the following fields:

Parameter
Type
Mandatory
Description

requestId

string

Yes

Unique identifier

transactionId

string

Yes

Unique system identifier

code

string

Yes

Operation code

result

string

Yes

Operation result

scores

string

Yes

Semicolon separated string scoring product identifiers (product id 911)

911

Object

yes

cvTotals

Object

yes

requestsTotalAll

Integer

Yes

# all previous requests, including such performed by the Client requesting Loan Applications Check

uniqueEntitiesTotalAll

Integer

Yes

# of unique Lending institutions who performed the requests, including the Client requesting Loan Applications Check

requestsSameTotalAll

Integer

Yes

# of all previous requests performed by the Client requesting Loan Applications Check

requestsOtherTotalAll

Integer

Yes

# of all previous requests, excluding such performed by the Client requesting Loan Applications Check

requestsTotal1

Integer

Yes

# of all previous requests, including such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date

requestsTotal7

Integer

Yes

Same as above, but "Last 7 days" (includes "_1")

requestsTotal14

Integer

Yes

Same as above, but "Last 14 days" (includes "_1" and "_7")

requestsTotal21

Integer

Yes

Same logic as above

requestsTotal28

Integer

Yes

Same logic as above

requestsTotal35

Integer

Yes

Same logic as above

requestsTotal45

Integer

Yes

Same logic as above

requestsTotal60

Integer

Yes

Same logic as above

requestsTotal90

Integer

Yes

Same logic as above

requestsTotal180

Integer

Yes

Same logic as above

requestsTotal360

Integer

Yes

Same logic as above

uniqueEntities1

Integer

Yes

# of unique Lending institutions who performed the requests, including the Client requesting Loan Applications Check - 1 Day before the Main request date

uniqueEntities7

Integer

Yes

Same as above, but "Last 7 days" (includes "_1")

uniqueEntities14

Integer

Yes

Same as above, but "Last 14 days" (includes "_1" and "_7")

uniqueEntities21

Integer

Yes

Same logic as above

uniqueEntities28

Integer

Yes

Same logic as above

uniqueEntities35

Integer

Yes

Same logic as above

uniqueEntities45

Integer

Yes

Same logic as above

uniqueEntities60

string

Yes

Same logic as above

uniqueEntities90

Integer

Yes

Same logic as above

uniqueEntities180

Integer

Yes

Same logic as above

uniqueEntities360

Integer

Yes

Same logic as above

requestsSame1

Integer

Yes

# of all previous requests performed by the Client requesting Loan Applications Check - 1 Day before the Main request date

requestsSame7

Integer

Yes

Same as above, but "Last 7 days" (includes "_1")

requestsSame14

Integer

Yes

Same as above, but "Last 14 days" (includes "_1" and "_7")

requestsSame21

Integer

Yes

Same logic as above

requestsSame28

Integer

Yes

Same logic as above

requestsSame35

Integer

Yes

Same logic as above

requestsSame45

Integer

Yes

Same logic as above

requestsSame60

Integer

Yes

Same logic as above

requestsSame90

Integer

Yes

Same logic as above

requestsSame180

Integer

Yes

Same logic as above

requestsSame360

Integer

Yes

Same logic as above

requestsOthers1

Integer

Yes

# of all previous requests, excluding such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date

requestsOthers7

Integer

Yes

Same as above, but "Last 7 days" (includes "_1")

requestsOthers14

Integer

Yes

Same as above, but "Last 14 days" (includes "_1" and "_7")

requestsOthers21

Integer

Yes

Same logic as above

requestsOthers28

Integer

Yes

Same logic as above

requestsOthers35

Integer

Yes

Same logic as above

requestsOthers45

Integer

Yes

Same logic as above

requestsOthers60

Integer

Yes

Same logic as above

requestsOthers90

Integer

Yes

Same logic as above

requestsOthers180

Integer

Yes

Same logic as above

requestsOthers360

Integer

Yes

Same logic as above

requestsBank1

Integer

Yes

# of all previous requests performed by Banks, excluding such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date

requestsBank7

Integer

Yes

Same as above, but "Last 7 days" (includes "_1")

requestsBank14

Integer

Yes

Same as above, but "Last 14 days" (includes "_1" and "_7")

requestsBank21

Integer

Yes

Same logic as above

requestsBank28

Integer

Yes

Same logic as above

requestsBank35

Integer

Yes

Same logic as above

requestsBank45

Integer

Yes

Same logic as above

requestsBank60

Integer

Yes

Same logic as above

requestsBank90

Integer

Yes

Same logic as above

requestsBank180

Integer

Yes

Same logic as above

requestsBank360

Integer

Yes

Same logic as above

requestsNonBank1

Integer

Yes

# of all previous requests performed by non banks, excluding such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date

requestsNonBank17

Integer

Yes

Same as above, but "Last 7 days" (includes "_1")

requestsNonBank14

Integer

Yes

Same logic as above

requestsNonBank21

Integer

Yes

Same logic as above

requestsNonBank28

Integer

Yes

Same logic as above

requestsNonBank35

Integer

Yes

Same logic as above

requestsNonBank45

Integer

Yes

Same logic as above

requestsNonBank60

Integer

Yes

Same logic as above

requestsNonBank90

Integer

Yes

Same logic as above

requestsNonBank180

Integer

Yes

Same logic as above

requestsNonBank360

Integer

Yes

Same logic as above

scorePtd

Integer

Yes

The raw score generated by the Payment Transaction Data model, representing predicted customer risk (higher score = better).

bandPtd

Integer

Yes

Score percentile band based on the development sample, segmented into 10 risk groups (1 = highest risk, 10 = lowest risk).

Example

POST Loan Application Check without telco score for SMART

https://sandbox-app.lenderlink.ph/api/v1/telco/score
{
  "mobilenumber": "639XXXXXXXXX",
  "productids": "911;",
  "requestId": "X123-AB45"
}

Example Response

{
  "requestId": "X123-AB45",
  "transactionId": "75b0b20f46a54107a75a38b6d6dc1db0",
  "code": "0000",
  "result": "ok",
  "scores": {
    "911": {
      "cvTotals": [
        {
          "requestsTotalAll": 968,
          "uniqueEntitiesTotalAll": 30,
          "requestsSameTotalAll": 74,
          "requestsOthersTotalAll": 894,
          "requestsTotal1": 3,
          "requestsTotal7": 12,
          "requestsTotal14": 22,
          "requestsTotal21": 31,
          "requestsTotal28": 40,
          "requestsTotal35": 62,
          "requestsTotal45": 80,
          "requestsTotal60": 107,
          "requestsTotal90": 169,
          "requestsTotal180": 312,
          "requestsTotal360": 539,
          "uniqueEntities1": 2,
          "uniqueEntities7": 3,
          "uniqueEntities14": 3,
          "uniqueEntities21": 3,
          "uniqueEntities28": 3,
          "uniqueEntities35": 7,
          "uniqueEntities45": 9,
          "uniqueEntities60": 12,
          "uniqueEntities90": 18,
          "uniqueEntities180": 22,
          "uniqueEntities360": 24,
          "requestsSame1": 2,
          "requestsSame7": 4,
          "requestsSame14": 6,
          "requestsSame21": 8,
          "requestsSame28": 9,
          "requestsSame35": 14,
          "requestsSame45": 16,
          "requestsSame60": 21,
          "requestsSame90": 31,
          "requestsSame180": 41,
          "requestsSame360": 59,
          "requestsOthers1": 1,
          "requestsOthers7": 8,
          "requestsOthers14": 16,
          "requestsOthers21": 23,
          "requestsOthers28": 31,
          "requestsOthers35": 48,
          "requestsOthers45": 64,
          "requestsOthers60": 86,
          "requestsOthers90": 138,
          "requestsOthers180": 271,
          "requestsOthers360": 480,
          "requestsBank1": 0,
          "requestsBank7": 0,
          "requestsBank14": 0,
          "requestsBank21": 0,
          "requestsBank28": 0,
          "requestsBank35": 0,
          "requestsBank45": 1,
          "requestsBank60": 3,
          "requestsBank90": 9,
          "requestsBank180": 16,
          "requestsBank360": 23,
          "requestsNonBank1": 0,
          "requestsNonBank7": 1,
          "requestsNonBank14": 2,
          "requestsNonBank21": 2,
          "requestsNonBank28": 3,
          "requestsNonBank35": 13,
          "requestsNonBank45": 18,
          "requestsNonBank60": 22,
          "requestsNonBank90": 29,
          "requestsNonBank180": 58,
          "requestsNonBank360": 79
        }
      ]
    }
  }
}

POST Loan Application Check with telco score for SMART

https://sandbox-app.lenderlink.ph/api/v1/telco/score
{
  "mobileNumber": "639XXXXXXXXX",
  "productIds": "911;G;",
  "requestId": "X123-AB45"
}

Example Response

{
  "requestId": "X123-AB45",
  "transactionId": "14e09f5f01ad4797a08f23386502ad38",
  "code": "0000",
  "result": "ok",
  "scores": {
    "911": {
      "cvTotals": [
        {
          "requestsTotalAll": 968,
          "uniqueEntitiesTotalAll": 30,
          "requestsSameTotalAll": 74,
          "requestsOthersTotalAll": 894,
          "requestsTotal1": 3,
          "requestsTotal7": 12,
          "requestsTotal14": 22,
          "requestsTotal21": 31,
          "requestsTotal28": 40,
          "requestsTotal35": 62,
          "requestsTotal45": 80,
          "requestsTotal60": 107,
          "requestsTotal90": 169,
          "requestsTotal180": 312,
          "requestsTotal360": 539,
          "uniqueEntities1": 2,
          "uniqueEntities7": 3,
          "uniqueEntities14": 3,
          "uniqueEntities21": 3,
          "uniqueEntities28": 3,
          "uniqueEntities35": 7,
          "uniqueEntities45": 9,
          "uniqueEntities60": 12,
          "uniqueEntities90": 18,
          "uniqueEntities180": 22,
          "uniqueEntities360": 24,
          "requestsSame1": 2,
          "requestsSame7": 4,
          "requestsSame14": 6,
          "requestsSame21": 8,
          "requestsSame28": 9,
          "requestsSame35": 14,
          "requestsSame45": 16,
          "requestsSame60": 21,
          "requestsSame90": 31,
          "requestsSame180": 41,
          "requestsSame360": 59,
          "requestsOthers1": 1,
          "requestsOthers7": 8,
          "requestsOthers14": 16,
          "requestsOthers21": 23,
          "requestsOthers28": 31,
          "requestsOthers35": 48,
          "requestsOthers45": 64,
          "requestsOthers60": 86,
          "requestsOthers90": 138,
          "requestsOthers180": 271,
          "requestsOthers360": 480,
          "requestsBank1": 0,
          "requestsBank7": 0,
          "requestsBank14": 0,
          "requestsBank21": 0,
          "requestsBank28": 0,
          "requestsBank35": 0,
          "requestsBank45": 1,
          "requestsBank60": 3,
          "requestsBank90": 9,
          "requestsBank180": 16,
          "requestsBank360": 23,
          "requestsNonBank1": 0,
          "requestsNonBank7": 1,
          "requestsNonBank14": 2,
          "requestsNonBank21": 2,
          "requestsNonBank28": 3,
          "requestsNonBank35": 13,
          "requestsNonBank45": 18,
          "requestsNonBank60": 22,
          "requestsNonBank90": 29,
          "requestsNonBank180": 58,
          "requestsNonBank360": 79
        }
      ]
    },
    "G": [
      [
        "scorePtd",
        337
      ],
      [
        "bandPtd",
        1
      ]
    ]
  }
}
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