curl --request POST \
--url https://api.qbank.cl/platform/v1/qscore/reports \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"doc_id": "12.345.678-5",
"country": "CL",
"subject_type": "person",
"purpose": "credit_evaluation",
"lang": "es",
"idempotency_key": "qscore-9f2b8d11"
}
'
{
"report_id": "3f5c9f2d-7d21-4b8c-9a2d-2d5f6a1b8c01",
"subject_id": "8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112",
"status": "ready",
"purpose": "credit_evaluation",
"lang": "es",
"score": 742,
"band": "B",
"model_version": "v1",
"reason_codes": [
{
"code": "CREDIT_HISTORY_DEPTH",
"direction": "positive",
"weight": "medium"
},
{
"code": "ACTIVE_TRADELINES",
"direction": "positive",
"weight": "low"
}
],
"verify_code": "Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a",
"created_at": "2026-08-08T15:04:22Z",
"completed_at": "2026-08-08T15:04:24Z",
"report": {
"meta": {
"report_id": "QSR-3F5C9F2D7D21",
"lang": "es",
"purpose": "credit_evaluation",
"generated_at": "2026-08-08T15:04:24Z",
"verification_code": "Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a",
"verification_url": "/verify/qscore/Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a"
},
"identity": {
"subject_type": "person",
"doc_id": "12.345.678-5",
"name": "Example Name",
"country": "CL"
},
"score": {
"score": 742,
"band": "B",
"model_version": "v1",
"reason_codes": [
{
"code": "CREDIT_HISTORY_DEPTH",
"direction": "positive",
"weight": "medium"
},
{
"code": "ACTIVE_TRADELINES",
"direction": "positive",
"weight": "low"
}
],
"computed_at": "2026-08-08T15:04:24Z"
},
"summary": [
"No delinquencies or adverse events on record.",
"Active credit history with reported tradelines."
],
"tradelines": [
{
"source": "res_chile",
"creditor": "Commercial creditor",
"kind": "loan",
"status": "current",
"currency": "CLP",
"balance": "1250000",
"opened_at": "2025-03-14",
"reported_at": "2026-08-01"
}
],
"delinquencies": [],
"sources": [
{
"source": "res_chile",
"label": "Commercial bulletin",
"records": 1,
"fetched_at": "2026-08-08T15:04:23Z"
}
]
}
}
创建信用报告
为主体（个人或企业）签发一份新的信用报告，在签发时按独立费用 （risk_report_person / risk_report_company）计费。幂等性是强制的： 使用相同的 idempotency_key 重试会返回原始报告并带 idempotency_hit: true， 绝不重复收费。报告是同步计算的：响应通常是已完成的报告（status ready） 或失败的报告（status failed，带 error_code/error_message）。 purpose 字段为必填（数据保护法要求），doc_id 会按国家/地区验证并 规范化（例如带校验位的智利 RUT）。
POST
/
v1
/
qscore
/
reports
curl --request POST \
--url https://api.qbank.cl/platform/v1/qscore/reports \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"doc_id": "12.345.678-5",
"country": "CL",
"subject_type": "person",
"purpose": "credit_evaluation",
"lang": "es",
"idempotency_key": "qscore-9f2b8d11"
}
'
{
"report_id": "3f5c9f2d-7d21-4b8c-9a2d-2d5f6a1b8c01",
"subject_id": "8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112",
"status": "ready",
"purpose": "credit_evaluation",
"lang": "es",
"score": 742,
"band": "B",
"model_version": "v1",
"reason_codes": [
{
"code": "CREDIT_HISTORY_DEPTH",
"direction": "positive",
"weight": "medium"
},
{
"code": "ACTIVE_TRADELINES",
"direction": "positive",
"weight": "low"
}
],
"verify_code": "Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a",
"created_at": "2026-08-08T15:04:22Z",
"completed_at": "2026-08-08T15:04:24Z",
"report": {
"meta": {
"report_id": "QSR-3F5C9F2D7D21",
"lang": "es",
"purpose": "credit_evaluation",
"generated_at": "2026-08-08T15:04:24Z",
"verification_code": "Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a",
"verification_url": "/verify/qscore/Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a"
},
"identity": {
"subject_type": "person",
"doc_id": "12.345.678-5",
"name": "Example Name",
"country": "CL"
},
"score": {
"score": 742,
"band": "B",
"model_version": "v1",
"reason_codes": [
{
"code": "CREDIT_HISTORY_DEPTH",
"direction": "positive",
"weight": "medium"
},
{
"code": "ACTIVE_TRADELINES",
"direction": "positive",
"weight": "low"
}
],
"computed_at": "2026-08-08T15:04:24Z"
},
"summary": [
"No delinquencies or adverse events on record.",
"Active credit history with reported tradelines."
],
"tradelines": [
{
"source": "res_chile",
"creditor": "Commercial creditor",
"kind": "loan",
"status": "current",
"currency": "CLP",
"balance": "1250000",
"opened_at": "2025-03-14",
"reported_at": "2026-08-01"
}
],
"delinquencies": [],
"sources": [
{
"source": "res_chile",
"label": "Commercial bulletin",
"records": 1,
"fetched_at": "2026-08-08T15:04:23Z"
}
]
}
}
授权
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。
响应
报告已创建并完成计算。model_version 标识评分模型版本。状态为 ready 时嵌入完整的规范化 report 对象；状态为 failed 时 error_code/error_message 说明原因，并释放幂等键以便重试。
最后修改于 2026年8月22日
⌘I