Bureau Mobile BRE — Response¶

Response structure for the Bureau Mobile BRE workflow.

Success Response¶

HTTP 200 OK¶

{
  "request_id": "<request_id>",
  "user_id": "<user_id>",
  "reference_id": "<reference_id>",
  "workflow_version_path": "workflow_bureau_v1",
  "engine_history": [],
  "output_data": {
    "ecm": {},
    "rules_output": {
      "final_decision": {
        "Decision": "Approve",
        "LoanAmount": 5000,
        "RulesEvaluation": {
          "mobile bre checked": true
        },
        "DecisionReason": "mobile bre checked",
        "version": "v1",
        "rule_engine_name": "mobilegator"
      },
      "basic": {},
      "mobilegator": {}
    },
    "features": {
      "output_features": {
        "bureaugator": {
          "bureau_score": 700,
          "cbs_risk_grade": 1,
          "cbs_stpl_v1": 0.083,
          "cbs_monthly_affordability_v1": 7000,
          "bureau_affordability": 6000
        },
        "mobilegator": {
          "fraud_flag": false,
          "all_sms_count": 1000,
          "credeau_payday_score": 0.85,
          "mobilegator_affordability": 5000,
          "estimated_salary": 20000
        }
      },
      "bureaugator": {},
      "mobilegator": {},
      "prev_output_features": {}
    }
  }
}

Response Fields¶

Field	Type	Description
`request_id`	string	Unique identifier for the request
`output_data.rules_output.final_decision.Decision`	string	Final decision — `Approve`, `Proceed to Bank`, `Reject`
`output_data.rules_output.final_decision.LoanAmount`	number	Approved loan amount
`output_data.rules_output.final_decision.DecisionReason`	string	Reason for the decision
`output_data.features.output_features.bureaugator.bureau_score`	number	Credit bureau score
`output_data.features.output_features.bureaugator.cbs_risk_grade`	number	CBS risk grade
`output_data.features.output_features.bureaugator.bureau_affordability`	number	Bureau-based affordability estimate
`output_data.features.output_features.mobilegator.fraud_flag`	boolean	Whether fraud was detected
`output_data.features.output_features.mobilegator.credeau_payday_score`	float	Credeau payday score
`output_data.features.output_features.mobilegator.mobilegator_affordability`	number	MobileGator-based affordability estimate
`output_data.features.output_features.mobilegator.estimated_salary`	number	Estimated salary from mobile data

EMI Strategy¶

For EMI-based strategies, the final_decision will contain different keys instead of Decision and LoanAmount:

Field	Type	Description
`output_data.rules_output.final_decision.EmiDecision`	string	Final decision for EMI strategy — `Approve`, `Reject`
`output_data.rules_output.final_decision.LoanOffers`	array	List of approved EMI loan offers

Example LoanOffers entry:

{
  "product_code": "PL_EMI_LT_25K",
  "tenure_months": 3,
  "pf_percent": 4,
  "interest_rate": 25,
  "emi_amount": 4000,
  "loan_amount": 10000
}

Error Responses¶

Refer to the BRE API error responses for common error codes.

Previous¶

See Bureau Mobile BRE — Request for the request structure.