List of Attributes Packages
Flinks offers the following Attributes packages.
| Package | Description | Endpoint |
|---|---|---|
| Income | Choose this package if you want to receive a high-level overview if your customer's income sources. This package returns the following insights: Employer Income - Employer name - Average monthly employer income - Employer income trend - Sum per calendar month - Count per calendar monthNon-Employer Income - Average monthly non-employer incomeGovernment Income - Average monthly government income - Sum of government income per calendar month - Count of government income per calendar month - Sum of employment insurance income (last 90 days) - Sum of social assistance income (last 90 days) - Sum of WSIB income (last 90 days) - Sum of pension income (last 90 days) - Sum of child support income (last 90 days) - Sum of other government income (last 90 days)Other - Sum of total income per calendar month - Sum of total credits per calendar month - Account age in days - Average monthly free cash flow | /GetIncomeAttributes |
| Credit Risk | Choose this package if you want a high-level overview of your customer's basic income sources and credit risk measures. This package returns the following insights: Account Overview - Minimum balance deleted (last 90 days) - Days with a negative balance - Average monthly free cash flow - Balance trendEmployer Income Overview - Employer name - Average monthly complex - Employer income trend - Sum of employer income (per month, last 12 months - 13 Attributes) - Count of employer income, last 12 month - 13 Attributes)Non-Employer Income Overview - Average monthly non-employer income - Average monthly government income - Total deposits trendLoan Payments Breakdown - Average monthly auto-loan payments - Average monthly mortgage payments - Average monthly micro-loan payments - Average monthly student loan payments - Average monthly other loan paymentsCommitted Bill Payments Breakdown - Average monthly utility payments - Average monthly telecom paymentsAdditional Risk Analysis - Count of NSF fees (last 90 days) - Count of stop-payment fees (last 90 days) - Average monthly micro-loan payments - Micro-lender name - Average monthly expenditure - Account age in days | /GetCreditRiskAttributes |
| User Analysis | Choose this package if you want a deeper, more combined view of your customer's income sources, credit risk measures, and potential fraudulent flags. This package returns the following insights: Employer Income Overview - Employer name - Average monthly employer income - Employer income trend - Sum of employer income (per month, last 12 months - 13 Attributes) - Count of employer income, last 12 month - 13 Attributes)Non-Employer Income - Average monthly non-employer incomeGovernment Income - Average monthly government income - Sum of government income per calendar month - Count of government income per calendar month - Sum of employment insurance income (last 90 days) - Sum of social assistance income (last 90 days) - Sum of WSIB income (last 90 days) - Sum of pension income (last 90 days) - Sum of child support income (last 90 days) - Sum of other government income (last 90 days)Other Income Attributes - Sum of total income (per month, last 12 months - 13 Attributes) - Sum of total credits (per month, last 12 months - 13 Attributes)Account Risk Overview - Minimum balance detected (last 90 days) - Days with a negative balance - Average monthly free cash flow - Balance trendLoan Payments Breakdown - Average monthly auto-loan payments - Average monthly mortgage payments - Average monthly micro-loan payments - Average monthly student loan payments - Average monthly other loan paymentsCommitted Bill Payments Breakdown - Average monthly utility payments - Average monthly telecom paymentsFraud Detection Attributes - Account age in days - Active days in the account (last 90 days) - Balance trend - Overall activity trend - Debit activity trend - Credit activity trend - Is employer income detected? - Average monthly recurring payments | /GetUserAnalysisAttributes |
| Lending | Choose this package if you want lower-level information about a customer's income sources. This package returns the following insights: INCOME ANALYSIS Total Income - Average monthly income - Total detected income - Sum per calendar month - Count per calendar monthEmployer Income (Overall) - Employer name - Average monthly employer income - Average amount - Estimated annual net - Frequency - Trend - Sum per calendar month Count per calendar monthEmployer Income (Primary) - Employer name - Average monthly employer income - Average amount - Estimated annual net - Frequency - Trend - Last two deposit dates - Sum per calendar month - Count per calendar monthEmployer Income (Secondary) - Employer name - Average monthly employer income - Average amount - Estimated annual net - Frequency - Trend - Last two deposit dates - Sum per calendar month - Count per calendar monthEmployer Income (Other) - Employer name - Average monthly employer income - Average amount - Estimated annual net - Frequency - Trend - Last two deposit dates - Sum per calendar month - Count per calendar monthNon-Employer Income - Average monthly income - Total detected - Sum per calendar month - Count per calendar monthGovernment Income - Average monthly government income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthEmployment Insurance Income - Average monthly employment insurance income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthWorkplace Safety Income - Average monthly workplace safety income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthDisability Income - Average monthly disability income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthSocial Assistance Income - Average monthly social assistance income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthChild Support Income - Average monthly child support income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthPension Income - Average monthly pension income - Average amount - Total detected - Frequency - Last two deposit dates - Sum per calendar month - Count per calendar monthInsurance Income - Average monthly insurance income - Total detected - Sum per calendar month - Count per calendar monthRecurring Deposits - Average monthly recurring deposits - Sum per calendar monthOVERALL RISK ANALYSIS Account Analysis - Purchasing trend - Deposit trend - Overall activity trend - Count of active days - Active days trend - Average monthly free cash flow - Account age in days - Average monthly recurring payments - Average monthly recurring depositsOverall Balance Analysis - Balance trend - Maximum balance - Minimum balance - Current balance - Balance as of 90 days ago - Count of days with a negative balance (last 90 days)Specific Balance Analysis - Average closing balance day of any income - Average closing balance day after any income - Average closing balance day of employer income - Average closing balance day after employer income - Average closing balance day of government income - Average closing balance day after government incomeSPECIFIC RISK ANALYSIS NSF Fees - Average monthly count - Count of total detected - Count (last 30 days) - Count (last 60 days) - Count (last 90 days) - Count (last 6 months) - Count on the day of employer income - Count of the day after employer income - Count of the day of government income - Count on the day after government incomeNSF Protection - Average monthly count - Count of total detected - Count (last 30 days) - Count (last 60 days) - Count (last 90 days) - Count (last 6 months)Stop Payment Fees and Reversals - Count of fees (last 30 days) - Count of fees (last 60 days) - Count of fees (last 90 days) - Count of reversals (last 30 days) - Count of reversals (last 60 days) - Count of reversals (last 90 days)Detection Attributes - Has employment income in last 7 days - Has employment income in last 14 days - Has employment income in last 30 days - Has government income in last 7 days - Has government income in last 14 days - Has government income in last 30 days - Is employment loss detected? - Has overdraft?Committed Transfers - Average monthly recurring transfers out (complex) - Average monthly recurring transfers in (complex)Loan Deposits - Average monthly loan deposit - Total detected - Sum (last 30 days) - Sum (last 60 days) - Sum (last 90 days)LIABILITY ANALYSIS Overall Loan Payments - Average monthly loan payments - Total detected - Sum per calendar month - Count per calendar monthMicro-Loan Payments - Micro-lender name - Average monthly micro-loan - Average amount - Frequency - Count of distinct micro-lenders detected - Sum per calendar month - Count per calendar monthAuto Loan Payments - Average monthly auto loan - Average amount - Frequency - Sum per calendar month - Count per calendar monthStudent Loan Payments - Average monthly student loan - Average amount - Frequency - Sum per calendar month - Count per calendar monthOther Loan Payments - Average monthly other loan - Average amount - Frequency - Sum per calendar month - Count per calendar monthTelecom Payments - Average monthly telecom payments - Average amount - Frequency - Sum per calendar month - Count per calendar monthUtility Payments - Average monthly utility payments - Average amount - Frequency - Sum per calendar month - Count per calendar month | /GetLendingAttributes |
| Business Analysis | This package is only available to full-production use cases in the Canadian market. For more information, contact your Flinks Representative. Choose this package if you want advanced business insights, typically for underwriting or analyzing business-specific accounts. It enables your team to quickly break out all important aspects of a user's account, including the insights listed below. This package returns the following insights: INCOME ANALYSIS Overall Operating Income - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthMerchant Service Provider Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthTransfer Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthBranch Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Vendor Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthPayroll Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthCredit Card Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Operating Income - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOverall Government Income - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthTax Rebates and Refunds - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Government Income - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Types of income - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthInsurance Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthRent Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthAll Other Income - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthLOAN DEPOSIT ANALYSIS Overall Loan Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthBusiness Loan Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthMortgage Loan Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthMicro-Loan Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthAuto-Loan Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Loan Deposits - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOPERATING EXPENSE ANALYSIS Overall Operating Expenses - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthVendor Expenses - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthCash Withdrawals - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthPayroll Expenses - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthCredit Card Expenses - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Operating Expenses - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthLIABILITIES ANALYSIS Overall Liabilities - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthInsurance Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthRent Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthTelecom payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthUtility Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOverall Loan Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthLOAN PAYMENTS BREAKDOWN Business Loan Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthMicro-Loan Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthAuto Loan Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOther Loan Payments - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthFEES BREAKDOWN Overall Fees - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthBank Fees - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthNSF Fees - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar monthOTHER (NON-OPERATING) EXPENSES Other Expenses - Average monthly complex - Average deposit - Trend - Frequency - Last two deposit dates - Total detected - Sum per calendar month - Count per calendar month | /GetBusinessAnalysisAttributes |
| Consumer | NSF Fees - Average monthly count - Count of total detected - Count (last 30 days) - Count (last 60 days) - Count (last 90 days) - Count (last 6 months)This package is only available to clients who are subscribed to the appropriate tier. For more information, speak with your Flinks Representative.Choose this package if you want access to all consumer-related attributes. This includes approximately 2,500 individual attributes across 39 categories.To receive a full list of available attributes, contact your Flinks Representative. | /GetAllAttributes |
| Business | This package is only available to full-production use cases in the Canadian market who are subscribed to the appropriate tier. For more information or to use these attributes in the US market, contact your Flinks Representative. Choose this package if you want access to all business-related attributes. This includes approximately 1,800 individual attributes across 9 primary and 38 sub-categories. To receive a full list of available attributes, contact your Flinks Representative. | /GetAllBusinessAttributes |
Updated about 2 months ago