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Fraud investigation API

Investigate the alert. Return the record.

Lumin Reveal sits beside the fraud system you already run. Post an alert. The service investigates and returns a verdict, a narrative, a complete timeline, and an itemized cost.

Contact us How it works

How it works

Three steps from alert to decision.

  1. 01

    Alert in

    Your fraud system posts an alert. The API accepts it at POST /v1/investigations and returns an investigation ID immediately.

  2. 02

    Investigation

    The service gathers customer context, reviews transaction activity, and checks accounts, devices, and IPs against threat intelligence. When the case warrants it, it interviews the customer by voice, SMS, or WhatsApp, in the customer’s language.

  3. 03

    Verdict out

    A typed decision model returns the disposition, a confidence, and a recommended action. Read the result from the API, or receive it at a callback you provide.

The record

What the caller receives.

Every completed investigation comes back as a record an investigator, a model-risk reviewer, or an auditor can read.

Verdict

Disposition, confidence, and a recommended action: block and freeze, hold for review, contact the customer, release, or no action.

Narrative

A written account of the case and the findings that drove the decision.

Timeline

Every step, decision, and tool call, in order. The audit trail stays with the investigation.

Cost

An itemized cost of the investigation. Exact and estimated amounts are reported separately.

Outcomes

A closed set of dispositions.

The investigation still finishes when the customer cannot be reached, an upstream system is unavailable, or the budget for the case is spent. Inconclusive is a completed result.

Authorization under coercion is not treated as a legitimate approval. Customer contact is used only when the case warrants it.

Contact

Talk with us about an alert source.

For fraud, operations, and technology teams evaluating an investigation API.

hello@luminreveal.com