--- title: Risk_label_a (V1.1) slug: ki/risklabela-v11 description: This JSON file contains comprehensive information about a bank account, including transaction and account age, credit card details, premium bank status, credit card ranking, limits, bill amounts, and transaction counts. It also includes lists of label cod docTags: createdAt: 2022-07-21T04:39:54.000Z --- ### Example responses ```json { "code": 200, "data": { "Risk_label": [ { "account_number": "23456-2", "agency_number": "1234-1", "bacen_id": "001", "bacen_name": "Banco do Brasil S.A.", "bank_name": "Banco do Brasil", "cpf_verified": "12345678901", "holder_name": "Usuario anonimo", "labelDetail": [ { "label_code": "A0001", "label_name": "transaction_age_of_checking_account", "label_value": -999999 }, { "label_code": "A0002", "label_name": "account_age_of_checking_account", "label_value": -999999 }, { "label_code": "A0003", "label_name": "transaction_age_of_creditcard", "label_value": -999999 }, { "label_code": "A0004", "label_name": "account_age_of_creditcard", "label_value": -999999 }, { "label_code": "A0005", "label_name": "is_premium_bank", "label_value": 1 }, { "label_code": "A0006", "label_name": "creditcard_ranking", "label_value": 10000 }, { "label_code": "A0007", "label_name": "creditcard_limit", "label_value": 31179 }, { "label_code": "A0008", "label_name": "open_bill_amount_of_creditcard", "label_value": 212.4 }, { "label_code": "A0009", "label_name": "avg_last_3_closed_bills_of_creditcard", "label_value": 3031.41 }, { "label_code": "A0010", "label_name": "avg_last_6_closed_bills_of_creditcard", "label_value": 3065.79 }, { "label_code": "A0011", "label_name": "avg_last_3_closed_bills_payment_of_creditcard", "label_value": 3653.97 }, { "label_code": "A0012", "label_name": "avg_last_6_closed_bills_payment_of_creditcard", "label_value": 3693.36 }, { "label_code": "A0013", "label_name": "transaction_count_open_bill_of_creditcard", "label_value": 2 }, { "label_code": "A0014", "label_name": "avg_transaction_count_last_3_closed_bills_of_creditcard", "label_value": 31.33 }, { "label_code": "A0015", "label_name": "avg_transaction_count_last_6_closed_bills_of_creditcard", "label_value": 21.4 }, { "label_code": "A0016", "label_name": "avg_transaction_amount_open_bill_of_creditcard", "label_value": 106.2 }, { "label_code": "A0017", "label_name": "avg_transaction_amount_last_3_closed_bills_of_creditcard", "label_value": 120.65 }, { "label_code": "A0018", "label_name": "avg_transaction_amount_last_6_closed_bills_of_creditcard", "label_value": 224.29 }, { "label_code": "A0019", "label_name": "checking_account_balance", "label_value": 0 }, { "label_code": "A0020", "label_name": "avg_daily_balance_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0021", "label_name": "avg_daily_balance_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0022", "label_name": "avg_daily_balance_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0023", "label_name": "atm_withdrawal_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0024", "label_name": "atm_withdrawal_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0025", "label_name": "atm_withdrawal_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0026", "label_name": "expenses_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0027", "label_name": "expenses_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0028", "label_name": "expenses_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0029", "label_name": "investments_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0030", "label_name": "investments_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0031", "label_name": "investments_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0032", "label_name": "cash_inflow_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0033", "label_name": "cash_inflow_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0034", "label_name": "cash_inflow_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0035", "label_name": "expense_transaction_count_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0036", "label_name": "expense_transaction_count_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0037", "label_name": "expense_transaction_count_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0038", "label_name": "investment_transaction_count_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0039", "label_name": "investment_transaction_count_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0040", "label_name": "investment_transaction_count_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0041", "label_name": "inflow_transaction_count_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0042", "label_name": "inflow_transaction_count_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0043", "label_name": "inflow_transaction_count_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0044", "label_name": "savings_account_balance", "label_value": 1.49 }, { "label_code": "A0045", "label_name": "overdraft_limit", "label_value": 9900 }, { "label_code": "A0046", "label_name": "preapproved_loan", "label_value": 18562 }, { "label_code": "A0047", "label_name": "creditcard_late_payment_fines_last_180_days", "label_value": 0 }, { "label_code": "A0048", "label_name": "has_creditcard_installment_payment_last_180_days", "label_value": 0 }, { "label_code": "A0049", "label_name": "longest_periods_of_creditcard_installment_payment_last_180_days", "label_value": 0 }, { "label_code": "A0050", "label_name": "has_severance_last_180_days", "label_value": 0 }, { "label_code": "A0051", "label_name": "serverance_count_last_180_days", "label_value": 0 }, { "label_code": "A0052", "label_name": "has_returned_cheque_last_180_days", "label_value": 0 }, { "label_code": "A0053", "label_name": "return_cheque_count_last_180_days", "label_value": 0 }, { "label_code": "A0054", "label_name": "overdraft_interest_last_180_days", "label_value": 0 }, { "label_code": "A0055", "label_name": "additional_overdraft_interest_last_180_days", "label_value": 0 }, { "label_code": "A0056", "label_name": "overdraft_interest_count_last_180_days", "label_value": 0 }, { "label_code": "A0057", "label_name": "additional_overdraft_interest_count_last_180_days", "label_value": 0 }, { "label_code": "A0058", "label_name": "has_debt_renegotiation_last_180_days", "label_value": 0 }, { "label_code": "A0059", "label_name": "debt_renegotiation_count_last_30_days", "label_value": 0 }, { "label_code": "A0060", "label_name": "debt_renegotiation_count_last_90_days", "label_value": 0 }, { "label_code": "A0061", "label_name": "debt_renegotiation_count_last_180_days", "label_value": 0 }, { "label_code": "A0062", "label_name": "medical_expenses_last_30_Days", "label_value": 0 }, { "label_code": "A0063", "label_name": "medical_expenses_last_90_Days", "label_value": 20.78 }, { "label_code": "A0064", "label_name": "medical_expenses_last_180_Days", "label_value": 20.78 }, { "label_code": "A0065", "label_name": "ipva_payment_last_180_days", "label_value": 0 }, { "label_code": "A0066", "label_name": "iptu_payment_last_180_days", "label_value": 0 }, { "label_code": "A0067", "label_name": "has_regular_salary_last_30_days", "label_value": 0 }, { "label_code": "A0068", "label_name": "has_regular_salary_last_90_days", "label_value": 0 }, { "label_code": "A0069", "label_name": "has_regular_salary_last_180_days", "label_value": 0 }, { "label_code": "A0070", "label_name": "has_business_income_last_30_days", "label_value": 0 }, { "label_code": "A0071", "label_name": "has_business_income_last_90_days", "label_value": 0 }, { "label_code": "A0072", "label_name": "has_business_income_last_180_days", "label_value": 0 }, { "label_code": "A0073", "label_name": "house_rental_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0074", "label_name": "water_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0075", "label_name": "eletricity_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0076", "label_name": "gas_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0077", "label_name": "telecom_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0078", "label_name": "pubic_transportation_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0079", "label_name": "taxi_expenses_last_90_days", "label_value": 91.93 }, { "label_code": "A0080", "label_name": "pets_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0081", "label_name": "gambling_betting_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0082", "label_name": "luxury_product_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0083", "label_name": "professional_membership_last_90_days", "label_value": 0 }, { "label_code": "A0084", "label_name": "education_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0085", "label_name": "travel_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0086", "label_name": "childcare_expenses_last_90_days", "label_value": 0 }, { "label_code": "A0087", "label_name": "dining_drinks_last_90_days", "label_value": 1469.09 }, { "label_code": "A0091", "label_name": "health_insurance_last_90_days", "label_value": 0 }, { "label_code": "A0094", "label_name": "full_month_with_regular_salary_last_180_days", "label_value": 0 }, { "label_code": "A0095", "label_name": "avg_monthly_regular_salary_last_180_days", "label_value": 0 }, { "label_code": "A0096", "label_name": "full_month_with_business_income_last_180_days", "label_value": 0 }, { "label_code": "A0097", "label_name": "avg_monthly_business_income_last_180_days", "label_value": 0 }, { "label_code": "A0098", "label_name": "full_month_with_other_recurrent_income_last_180_days", "label_value": 0 }, { "label_code": "A0099", "label_name": "avg_monthly_other_recurrent_income_last_180_days", "label_value": 0 }, { "label_code": "A0100", "label_name": "cash_outflow_last_30_days_of_checking_account", "label_value": 0 }, { "label_code": "A0101", "label_name": "cash_outflow_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0102", "label_name": "cash_outflow_last_180_days_of_checking_account", "label_value": 0 }, { "label_code": "A0103", "label_name": "outflow_transaction_count_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0104", "label_name": "credit_card_repayment_transaction_count_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0105", "label_name": "transfer_out_transaction_count_last_90_days_of_checking_account", "label_value": 0 }, { "label_code": "A0106", "label_name": "atm_withdrawal_transaction_count_last_90_days_of_checking_account", "label_value": 0 } ] } ], "allow_autoupdate": "Yes", "connection_id": "0KnInAODISBhe3GN0bQt47RVJhAj11be", "connection_key": "159c3fa4fa1949b0bd1e4dc6ea520c45", "enquiry_cpf": "12345678901", "institution_id": "033", "report_id": "e1cf2205-ec59-11ec-ad08-061e7ac5ae28", "report_type": "risk_label", "report_version": "V1.1", "user_consent": "Yes" }, "msg": "ok", "query_param": {}, "report_time": "2022-06-05 10:18:52" } ``` *** ### Data dictionary | **Label\_code** | **Label\_name** | **Label\_description (EN)** | | --------------- | ---------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------- | | A0001 | transaction\_age\_of\_checking\_account | Number of months between first transaction and the last transaction in checking account | | A0002 | account\_age\_of\_checking\_account | Number of months between the account opening and now in checking account | | A0003 | transaction\_age\_of\_creditcard | Number of months between first transaction and the last transaction in credit card account | | A0004 | account\_age\_of\_creditcard | Number of months between the account opening and now in credit card account | | A0005 | Is\_premium\_bank | Is premium bank account | | A0006 | creditcard\_ranking | Minumum monthly income level per credit card ranking | | A0007 | creditcard\_limit | Credit limit of the credit card | | A0008 | open\_bill\_amount\_of\_creditcard | Open bill amount of the credit card | | A0009 | avg\_last\_3\_closed\_bills\_of\_creditcard | Average bill amount of last 3 closed bills of credit card | | A0010 | avg\_last\_6\_closed\_bills\_of\_creditcard | Average bill amount of last 6 closed bills of credit card | | A0011 | avg\_last\_3\_closed\_bills\_payment\_of\_creditcard | Average bill payment of last 3 closed bills of credit card | | A0012 | avg\_last\_6\_closed\_bills\_payment\_of\_creditcard | Average bill payment of last 6 closed bills of credit card | | A0013 | transaction\_count\_open\_bill\_of\_creditcard | Count of transactions of the open bill of credit card (exclude credit card payment, refund and reimbursement) | | A0014 | avg\_transaction\_count\_last\_3\_closed\_bills\_of\_creditcard | Average count of transactions of last 3 closed bills of credit card (exclude credit card payment, refund and reimbursement) | | A0015 | avg\_transaction\_count\_last\_6\_closed\_bills\_of\_creditcard | Average count of transactions of last 6 closed bills of credit card (exclude credit card payment, refund and reimbursement) | | A0016 | avg\_transaction\_amount\_open\_bill\_of\_creditcard | Average transaction amount of the open bill of credit card (exclude credit card payment, refund and reimbursement) | | A0017 | avg\_transaction\_amount\_last\_3\_closed\_bills\_of\_creditcard | Average transaction amount of last 3 closed bills of credit card (exclude credit card payment, refund and reimbursement) | | A0018 | avg\_transaction\_amount\_last\_6\_closed\_bills\_of\_creditcard | Average transaction amount of last 6 closed bills of credit card (exclude credit card payment, refund and reimbursement) | | A0019 | checking\_account\_balance | Current balance of checking account | | A0020 | avg\_daily\_balance\_last\_30\_days\_of\_checking\_account | Average day-end balance of checking account in last 30 days | | A0021 | avg\_daily\_balance\_last\_90\_days\_of\_checking\_account | Average day-end balance of checking account in last 90 days | | A0022 | avg\_daily\_balance\_last\_180\_days\_of\_checking\_account | Average day-end balance of checking account in last 180 days | | A0023 | atm\_withdrawal\_last\_30\_days\_of\_checking\_account | Total ATM withdrawal in last 30 days | | A0024 | atm\_withdrawal\_last\_90\_days\_of\_checking\_account | Total ATM withdrawal in last 90 days | | A0025 | atm\_withdrawal\_last\_180\_days\_of\_checking\_account | Total ATM withdrawal in last 180 days | | A0026 | expenses\_last\_30\_days\_of\_checking\_account | Total expenses in checking account in last 30 days (exclude ATM withdrawal, investment, transfer and credit card repayment) | | A0027 | expenses\_last\_90\_days\_of\_checking\_account | Total expenses in checking account in last 90 days (exclude ATM withdrawal, investment, transfer and credit card repayment) | | A0028 | expenses\_last\_180\_days\_of\_checking\_account | Total expenses in checking account in last 180 days (exclude ATM withdrawal, investment, transfer and credit card repayment) | | A0029 | investments\_last\_30\_days\_of\_checking\_account | Total investment in checking account in last 30 days | | A0030 | investments\_last\_90\_days\_of\_checking\_account | Total investment in checking account in last 90 days | | A0031 | investments\_last\_180\_days\_of\_checking\_account | Total investment in checking account in last 180 days | | A0032 | cash\_inflow\_last\_30\_days\_of\_checking\_account | Cash inflow in checking account in last 30 days | | A0033 | cash\_inflow\_last\_90\_days\_of\_checking\_account | Cash inflow in checking account in last 90 days | | A0034 | cash\_inflow\_last\_180\_days\_of\_checking\_account | Cash inflow in checking account in last 180 days | | A0035 | expense\_transaction\_count\_last\_30\_days\_of\_checking\_account | Count of expense transactions in checking account in last 30 days | | A0036 | expense\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of expense transactions in checking account in last 90 days | | A0037 | expense\_transaction\_count\_last\_180\_days\_of\_checking\_account | Count of expense transactions in checking account in last 180 days | | A0038 | investment\_transaction\_count\_last\_30\_days\_of\_checking\_account | Count of investment transactions in checking account in last 30 days | | A0039 | investment\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of investment transactions in checking account in last 90 days | | A0040 | investment\_transaction\_count\_last\_180\_days\_of\_checking\_account | Count of investment transactions in checking account in last 180 days | | A0041 | inflow\_transaction\_count\_last\_30\_days\_of\_checking\_account | Count of cash inflow transactions in checking account in last 30 days | | A0042 | inflow\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of cash inflow transactions in checking account in last 90 days | | A0043 | inflow\_transaction\_count\_last\_180\_days\_of\_checking\_account | Count of cash inflow transactions in checking account in last 180 days | | A0100 | cash\_outflow\_last\_30\_days\_of\_checking\_account | Cash outflow in checking account in last 30 days | | A0101 | cash\_outflow\_last\_90\_days\_of\_checking\_account | Cash outflow in checking account in last 90 days | | A0102 | cash\_outflow\_last\_180\_days\_of\_checking\_account | Cash outflow in checking account in last 180 days | | A0103 | outflow\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of cash outflow transactions in checking account in last 90 days | | A0104 | credit\_card\_repayment\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of credit card repayment transactions in checking account in last 90 days | | A0105 | transfer\_out\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of transfer out transactions in checking account in last 90 days | | A0106 | atm\_withdrawal\_transaction\_count\_last\_90\_days\_of\_checking\_account | Count of atm withdrawal transactions in checking account in last 90 days | | A0044 | savings\_account\_balance | Current balance of savings account | | A0045 | overdraft\_limit | Overdraft limit | | A0046 | preapproved\_loan | Pre-approved loan | | A0047 | creditcard\_late\_payment\_fines\_last\_180\_days | Credt card late payment fines in last 180 days | | A0048 | has\_creditcard\_installment\_payment\_last\_180\_days | Has credit card installment payment in last 180 days | | A0049 | longest\_periods\_of\_creditcard\_installment\_payment\_last\_180\_days | Longest periods of credit card installment payment in last 180 days | | A0050 | has\_severance\_last\_180\_days | Has serverance transaction due to job change in last 180 days | | A0051 | serverance\_count\_last\_180\_days | Count of serverance transactions due to job change in last 180 days | | A0052 | has\_returned\_cheque\_last\_180\_days | Has returned cheque in last 180 days | | A0053 | return\_cheque\_count\_last\_180\_days | Count of returned cheque transactions in last 180 days | | A0054 | overdraft\_interest\_last\_180\_days | Total overdraft interest in last 180 days | | A0055 | additional\_overdraft\_interest\_last\_180\_days | Total additional overadrft interest in last 180 days | | A0056 | overdraft\_interest\_count\_last\_180\_days | Count of overdraft interest transactions in last 180 days | | A0057 | additional\_overdraft\_interest\_count\_last\_180\_days | Count of additional overdraft interest transactions in last 180 days | | A0058 | has\_debt\_renegotiation\_last\_180\_days | Has debt renegotiation transactions in last 180 days | | A0059 | debt\_renegotiation\_count\_last\_30\_days | Count of debt renegotiation transactions in last 30 days | | A0060 | debt\_renegotiation\_count\_last\_90\_days | Count of debt renegotiation transactions in last 90 days | | A0061 | debt\_renegotiation\_count\_last\_180\_days | Count of debt renegotiation transactions in last 180 days | | A0062 | medical\_expenses\_last\_30\_Days | Medical related expenses in last 30 days (covers both checking and credit card account) | | A0063 | medical\_expenses\_last\_90\_Days | Medical related expenses in last 90 days (covers both checking and credit card account) | | A0064 | medical\_expenses\_last\_180\_Days | Medical related expenses in last 180 days (covers both checking and credit card account) | | A0065 | ipva\_payment\_last\_180\_days | Total ipva payment (car purchase tax) in last 180 days | | A0066 | iptu\_payment\_last\_180\_days | Total iptu payment (house purchase tax) in last 180 days | | A0067 | has\_regular\_salary\_last\_30\_days | Has regular salary transaction in last 30 days | | A0068 | has\_regular\_salary\_last\_90\_days | Has regular salary transaction in last 90 days | | A0069 | has\_regular\_salary\_last\_180\_days | Has regular salary transaction in last 180 days | | A0070 | has\_business\_income\_last\_30\_days | Has business income transaction in last 30 days | | A0071 | has\_business\_income\_last\_90\_days | Has business income transaction in last 90 days | | A0072 | has\_business\_income\_last\_180\_days | Has business income transaction in last 180 days | | A0094 | full\_month\_with\_regular\_salary\_last\_180\_days | Number of full month with regular salary in last 180 days | | A0095 | avg\_monthly\_regular\_salary\_last\_180\_days | Avg monthly regular salary in last 180 days | | A0096 | full\_month\_with\_business\_income\_last\_180\_days | Number of full month with business income in last 180 days | | A0097 | avg\_monthly\_business\_income\_last\_180\_days | Avg monthly business income in last 180 days | | A0098 | full\_month\_with\_other\_recurrent\_income\_last\_180\_days | Number of full month with other recurrent income in last 180 days | | A0099 | avg\_monthly\_other\_recurrent\_income\_last\_180\_days | Avg monthly other recurrent income in last 180 days | | A0073 | house\_rental\_expenses\_last\_90\_days | Total house rental expenses in last 90 days | | A0074 | water\_expenses\_last\_90\_days | Total water expenses in last 90 days | | A0075 | eletricity\_expenses\_last\_90\_days | Total eletricity expenses in last 90 days | | A0076 | gas\_expenses\_last\_90\_days | Total gas expenses in last 90 days | | A0077 | telecom\_expenses\_last\_90\_days | Total telecom expenses in last 90 days | | A0078 | pubic\_transportation\_expenses\_last\_90\_days | Total public transportation expenses in last 90 days | | A0079 | taxi\_expenses\_last\_90\_days | Total taxi expenses in last 90 days | | A0080 | pets\_expenses\_last\_90\_days | Total pets expenses in last 90 days | | A0081 | gambling\_betting\_expenses\_last\_90\_days | Total gambling and betting expenses in last 90 days | | A0082 | luxury\_product\_expenses\_last\_90\_days | Total luxury product expenses in last 90 days | | A0083 | professional\_membership\_last\_90\_days | Total professional membership expenses in last 90 days | | A0084 | education\_expenses\_last\_90\_days | Total education expenses in last 90 days | | A0085 | travel\_expenses\_last\_90\_days | Total travel expenses in last 90 days | | A0086 | childcare\_expenses\_last\_90\_days | Total childcare expenses in last 90 days | | A0087 | dining\_drinks\_last\_90\_days | Total dining and drinks expenses in last 90 days | | A0088 | house\_mortgage\_last\_180\_days | Total house mortgage expenses in last 180 days | | A0089 | car\_mortgage\_last\_180\_days | Total car mortgage expenses in last 180 days | | A0090 | other\_mortgage\_last\_180\_days | Total other mortgage expenses in last 180 days | | A0091 | health\_insurance\_last\_90\_days | Total health insurance expenses in last 90 days | | A0092 | car\_insurance\_last\_90\_days | Total car insurance expenses in last 90 days | | A0093 | other\_insurance\_last\_90\_days | Total other insurance expenses in last 90 days |