{
  "monitoring_id": "7c9e2f14-5b6a-4c8d-9e1f-3a7b5c2d8e91",
  "subject_id": "8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112",
  "doc_id": "12.345.678-5",
  "country": "CL",
  "subject_type": "person",
  "triggers": [
    "score_drop_below",
    "new_records"
  ],
  "score": 487,
  "previous_score": 512,
  "band": "D",
  "record_count": 3,
  "new_records": [
    {
      "source": "res_chile",
      "record_type": "debt_collection",
      "reported_at": "2026-08-05T00:00:00Z",
      "amount": "450000",
      "currency": "CLP",
      "status": "open"
    }
  ],
  "detected_at": "2026-08-08T18:41:12Z"
}

Qscore 监控告警

账户通过 PUT /v1/qscore/subjects/{docID}/monitoring 监控的主体自上次检查以来发生了变化。triggers 列出触发本次告警的原因：score_drop_below（评分向下穿越订阅的 monitor_since_score 阈值：先前 >= 阈值，新值 < 阈值）、new_records（征信局登记了新事件；当 only_material: true 时，仅重大负面事件——未结清的逾期、拒付、破产、诉讼——计入）或 records_removed（征信局当前显示的事件少于基线，即某条记录已结清或删除）。活跃订阅每 ~5 分钟重新评估一次；订阅后的首次扫描仅建立基线，绝不会就已购买报告中展示过的历史记录发出告警。当主体暂无可分类评分时，score 和 previous_score 将被省略；没有新事件触发时，new_records 也将被省略。

每次交付都包含 X-Webhook-Event、X-Webhook-Event-ID、X-Webhook-Delivery-ID、X-Webhook-Timestamp 和 X-Webhook-Signature = hex(HMAC-SHA256(secret, timestamp + "." + body))。响应 2xx；最多 5 次尝试，采用递增退避。

WEBHOOK

risk_monitoring_alert

{
  "monitoring_id": "7c9e2f14-5b6a-4c8d-9e1f-3a7b5c2d8e91",
  "subject_id": "8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112",
  "doc_id": "12.345.678-5",
  "country": "CL",
  "subject_type": "person",
  "triggers": [
    "score_drop_below",
    "new_records"
  ],
  "score": 487,
  "previous_score": 512,
  "band": "D",
  "record_count": 3,
  "new_records": [
    {
      "source": "res_chile",
      "record_type": "debt_collection",
      "reported_at": "2026-08-05T00:00:00Z",
      "amount": "450000",
      "currency": "CLP",
      "status": "open"
    }
  ],
  "detected_at": "2026-08-08T18:41:12Z"
}

授权

Authorization

string

header

必填

会话 JWT(来自注册/登录)或 API key(pk_...)。也接受 X-API-Key: <token> 作为替代请求头。

请求体

application/json

monitoring_id

string

subject_id

string

doc_id

string

country

string

subject_type

enum<string>

可用选项:

person,

company

triggers

enum<string>[]

可用选项:

score_drop_below,

new_records,

records_removed

score

integer

previous_score

integer

band

enum<string>

可用选项:

A,

B,

C,

D,

E,

SC

record_count

integer

new_records

object[]

Show child attributes

detected_at

string

响应

200

返回任何 2xx 以确认交付。

最后修改于 2026年9月10日