Exemples réalistes pour POST /predict
Cinq profils-types couvrant le spectre de risque attendu par le modèle :
trois clients connus (SK_ID_CURR présent dans features_store.parquet,
donc historique bureau/prev/POS/CC/install agrégé) et deux clients
inconnus (SK_ID_CURR absent, le no_history_template neutralise tout
l'historique et le score ne repose plus que sur les inputs app_train).
Toutes les valeurs respectent les bornes définies dans api/schemas.py.
1) Profil faible risque — cadre stable, propriétaire, scores externes élevés
Femme 42 ans, mariée, Higher education, manager dans une banque, revenu confortable, ancienneté ~10 ans, propriétaire d'un bien immobilier et d'une voiture, EXT_SOURCE élevés, ratio crédit/revenu modéré.
{
"SK_ID_CURR": 282751,
"NAME_CONTRACT_TYPE": "Cash loans",
"CODE_GENDER": "F",
"FLAG_OWN_CAR": "Y",
"FLAG_OWN_REALTY": "Y",
"CNT_CHILDREN": 1,
"AMT_INCOME_TOTAL": 270000,
"AMT_CREDIT": 600000,
"AMT_ANNUITY": 28500,
"AMT_GOODS_PRICE": 540000,
"NAME_TYPE_SUITE": "Unaccompanied",
"NAME_INCOME_TYPE": "Commercial associate",
"NAME_EDUCATION_TYPE": "Higher education",
"NAME_FAMILY_STATUS": "Married",
"NAME_HOUSING_TYPE": "House / apartment",
"REGION_POPULATION_RELATIVE": 0.035792,
"DAYS_BIRTH": -15400,
"DAYS_EMPLOYED": -3650,
"DAYS_REGISTRATION": -4200.0,
"DAYS_ID_PUBLISH": -2800,
"OWN_CAR_AGE": 4,
"FLAG_MOBIL": 1,
"FLAG_EMP_PHONE": 1,
"FLAG_WORK_PHONE": 0,
"FLAG_CONT_MOBILE": 1,
"FLAG_PHONE": 1,
"FLAG_EMAIL": 1,
"OCCUPATION_TYPE": "Managers",
"CNT_FAM_MEMBERS": 3,
"REGION_RATING_CLIENT": 2,
"REGION_RATING_CLIENT_W_CITY": 2,
"WEEKDAY_APPR_PROCESS_START": "WEDNESDAY",
"HOUR_APPR_PROCESS_START": 11,
"REG_REGION_NOT_LIVE_REGION": 0,
"REG_REGION_NOT_WORK_REGION": 0,
"LIVE_REGION_NOT_WORK_REGION": 0,
"REG_CITY_NOT_LIVE_CITY": 0,
"REG_CITY_NOT_WORK_CITY": 0,
"LIVE_CITY_NOT_WORK_CITY": 0,
"ORGANIZATION_TYPE": "Bank",
"EXT_SOURCE_1": 0.80,
"EXT_SOURCE_2": 0.85,
"EXT_SOURCE_3": 0.78,
"APARTMENTS_AVG": 0.1242,
"BASEMENTAREA_AVG": 0.0876,
"YEARS_BEGINEXPLUATATION_AVG": 0.9821,
"YEARS_BUILD_AVG": 0.7553,
"COMMONAREA_AVG": 0.0432,
"ELEVATORS_AVG": 0.08,
"ENTRANCES_AVG": 0.1379,
"FLOORSMAX_AVG": 0.1667,
"FLOORSMIN_AVG": 0.2083,
"LANDAREA_AVG": 0.0481,
"LIVINGAPARTMENTS_AVG": 0.0973,
"LIVINGAREA_AVG": 0.1099,
"NONLIVINGAPARTMENTS_AVG": 0.0039,
"NONLIVINGAREA_AVG": 0.0144,
"APARTMENTS_MODE": 0.1257,
"BASEMENTAREA_MODE": 0.0901,
"YEARS_BEGINEXPLUATATION_MODE": 0.9826,
"YEARS_BUILD_MODE": 0.7649,
"COMMONAREA_MODE": 0.0413,
"ELEVATORS_MODE": 0.0775,
"ENTRANCES_MODE": 0.1379,
"FLOORSMAX_MODE": 0.1667,
"FLOORSMIN_MODE": 0.2083,
"LANDAREA_MODE": 0.0492,
"LIVINGAPARTMENTS_MODE": 0.0991,
"LIVINGAREA_MODE": 0.1129,
"NONLIVINGAPARTMENTS_MODE": 0.0036,
"NONLIVINGAREA_MODE": 0.0151,
"APARTMENTS_MEDI": 0.1252,
"BASEMENTAREA_MEDI": 0.0884,
"YEARS_BEGINEXPLUATATION_MEDI": 0.9822,
"YEARS_BUILD_MEDI": 0.7585,
"COMMONAREA_MEDI": 0.0432,
"ELEVATORS_MEDI": 0.08,
"ENTRANCES_MEDI": 0.1379,
"FLOORSMAX_MEDI": 0.1667,
"FLOORSMIN_MEDI": 0.2083,
"LANDAREA_MEDI": 0.0482,
"LIVINGAPARTMENTS_MEDI": 0.0978,
"LIVINGAREA_MEDI": 0.1109,
"NONLIVINGAPARTMENTS_MEDI": 0.0039,
"NONLIVINGAREA_MEDI": 0.0148,
"FONDKAPREMONT_MODE": "reg oper account",
"HOUSETYPE_MODE": "block of flats",
"TOTALAREA_MODE": 0.1023,
"WALLSMATERIAL_MODE": "Panel",
"EMERGENCYSTATE_MODE": "No",
"OBS_30_CNT_SOCIAL_CIRCLE": 1,
"DEF_30_CNT_SOCIAL_CIRCLE": 0,
"OBS_60_CNT_SOCIAL_CIRCLE": 1,
"DEF_60_CNT_SOCIAL_CIRCLE": 0,
"DAYS_LAST_PHONE_CHANGE": -1850,
"FLAG_DOCUMENT_2": 0,
"FLAG_DOCUMENT_3": 1,
"FLAG_DOCUMENT_4": 0,
"FLAG_DOCUMENT_5": 0,
"FLAG_DOCUMENT_6": 0,
"FLAG_DOCUMENT_7": 0,
"FLAG_DOCUMENT_8": 0,
"FLAG_DOCUMENT_9": 0,
"FLAG_DOCUMENT_10": 0,
"FLAG_DOCUMENT_11": 0,
"FLAG_DOCUMENT_12": 0,
"FLAG_DOCUMENT_13": 0,
"FLAG_DOCUMENT_14": 0,
"FLAG_DOCUMENT_15": 0,
"FLAG_DOCUMENT_16": 0,
"FLAG_DOCUMENT_17": 0,
"FLAG_DOCUMENT_18": 0,
"FLAG_DOCUMENT_19": 0,
"FLAG_DOCUMENT_20": 0,
"FLAG_DOCUMENT_21": 0,
"AMT_REQ_CREDIT_BUREAU_HOUR": 0,
"AMT_REQ_CREDIT_BUREAU_DAY": 0,
"AMT_REQ_CREDIT_BUREAU_WEEK": 0,
"AMT_REQ_CREDIT_BUREAU_MON": 0,
"AMT_REQ_CREDIT_BUREAU_QRT": 0,
"AMT_REQ_CREDIT_BUREAU_YEAR": 2
}
2) Profil risque moyen — employé, locataire, scores externes médians
Homme 32 ans, célibataire, Secondary education, Laborer dans l'industrie, revenu moyen, ancienneté 4 ans, locataire, EXT_SOURCE autour de 0.4-0.5, ratio crédit/revenu plus tendu.
{
"SK_ID_CURR": 207397,
"NAME_CONTRACT_TYPE": "Cash loans",
"CODE_GENDER": "M",
"FLAG_OWN_CAR": "N",
"FLAG_OWN_REALTY": "N",
"CNT_CHILDREN": 0,
"AMT_INCOME_TOTAL": 135000,
"AMT_CREDIT": 450000,
"AMT_ANNUITY": 24700,
"AMT_GOODS_PRICE": 405000,
"NAME_TYPE_SUITE": "Unaccompanied",
"NAME_INCOME_TYPE": "Working",
"NAME_EDUCATION_TYPE": "Secondary / secondary special",
"NAME_FAMILY_STATUS": "Single / not married",
"NAME_HOUSING_TYPE": "Rented apartment",
"REGION_POPULATION_RELATIVE": 0.018634,
"DAYS_BIRTH": -11680,
"DAYS_EMPLOYED": -1460,
"DAYS_REGISTRATION": -3100.0,
"DAYS_ID_PUBLISH": -1500,
"OWN_CAR_AGE": null,
"FLAG_MOBIL": 1,
"FLAG_EMP_PHONE": 1,
"FLAG_WORK_PHONE": 1,
"FLAG_CONT_MOBILE": 1,
"FLAG_PHONE": 0,
"FLAG_EMAIL": 0,
"OCCUPATION_TYPE": "Laborers",
"CNT_FAM_MEMBERS": 1,
"REGION_RATING_CLIENT": 2,
"REGION_RATING_CLIENT_W_CITY": 2,
"WEEKDAY_APPR_PROCESS_START": "FRIDAY",
"HOUR_APPR_PROCESS_START": 16,
"REG_REGION_NOT_LIVE_REGION": 0,
"REG_REGION_NOT_WORK_REGION": 0,
"LIVE_REGION_NOT_WORK_REGION": 0,
"REG_CITY_NOT_LIVE_CITY": 0,
"REG_CITY_NOT_WORK_CITY": 1,
"LIVE_CITY_NOT_WORK_CITY": 1,
"ORGANIZATION_TYPE": "Industry: type 3",
"EXT_SOURCE_1": 0.42,
"EXT_SOURCE_2": 0.48,
"EXT_SOURCE_3": 0.39,
"APARTMENTS_AVG": null,
"BASEMENTAREA_AVG": null,
"YEARS_BEGINEXPLUATATION_AVG": null,
"YEARS_BUILD_AVG": null,
"COMMONAREA_AVG": null,
"ELEVATORS_AVG": null,
"ENTRANCES_AVG": null,
"FLOORSMAX_AVG": null,
"FLOORSMIN_AVG": null,
"LANDAREA_AVG": null,
"LIVINGAPARTMENTS_AVG": null,
"LIVINGAREA_AVG": null,
"NONLIVINGAPARTMENTS_AVG": null,
"NONLIVINGAREA_AVG": null,
"APARTMENTS_MODE": null,
"BASEMENTAREA_MODE": null,
"YEARS_BEGINEXPLUATATION_MODE": null,
"YEARS_BUILD_MODE": null,
"COMMONAREA_MODE": null,
"ELEVATORS_MODE": null,
"ENTRANCES_MODE": null,
"FLOORSMAX_MODE": null,
"FLOORSMIN_MODE": null,
"LANDAREA_MODE": null,
"LIVINGAPARTMENTS_MODE": null,
"LIVINGAREA_MODE": null,
"NONLIVINGAPARTMENTS_MODE": null,
"NONLIVINGAREA_MODE": null,
"APARTMENTS_MEDI": null,
"BASEMENTAREA_MEDI": null,
"YEARS_BEGINEXPLUATATION_MEDI": null,
"YEARS_BUILD_MEDI": null,
"COMMONAREA_MEDI": null,
"ELEVATORS_MEDI": null,
"ENTRANCES_MEDI": null,
"FLOORSMAX_MEDI": null,
"FLOORSMIN_MEDI": null,
"LANDAREA_MEDI": null,
"LIVINGAPARTMENTS_MEDI": null,
"LIVINGAREA_MEDI": null,
"NONLIVINGAPARTMENTS_MEDI": null,
"NONLIVINGAREA_MEDI": null,
"FONDKAPREMONT_MODE": null,
"HOUSETYPE_MODE": null,
"TOTALAREA_MODE": null,
"WALLSMATERIAL_MODE": null,
"EMERGENCYSTATE_MODE": null,
"OBS_30_CNT_SOCIAL_CIRCLE": 4,
"DEF_30_CNT_SOCIAL_CIRCLE": 1,
"OBS_60_CNT_SOCIAL_CIRCLE": 4,
"DEF_60_CNT_SOCIAL_CIRCLE": 1,
"DAYS_LAST_PHONE_CHANGE": -620,
"FLAG_DOCUMENT_2": 0,
"FLAG_DOCUMENT_3": 1,
"FLAG_DOCUMENT_4": 0,
"FLAG_DOCUMENT_5": 0,
"FLAG_DOCUMENT_6": 0,
"FLAG_DOCUMENT_7": 0,
"FLAG_DOCUMENT_8": 0,
"FLAG_DOCUMENT_9": 0,
"FLAG_DOCUMENT_10": 0,
"FLAG_DOCUMENT_11": 0,
"FLAG_DOCUMENT_12": 0,
"FLAG_DOCUMENT_13": 0,
"FLAG_DOCUMENT_14": 0,
"FLAG_DOCUMENT_15": 0,
"FLAG_DOCUMENT_16": 0,
"FLAG_DOCUMENT_17": 0,
"FLAG_DOCUMENT_18": 0,
"FLAG_DOCUMENT_19": 0,
"FLAG_DOCUMENT_20": 0,
"FLAG_DOCUMENT_21": 0,
"AMT_REQ_CREDIT_BUREAU_HOUR": 0,
"AMT_REQ_CREDIT_BUREAU_DAY": 0,
"AMT_REQ_CREDIT_BUREAU_WEEK": 1,
"AMT_REQ_CREDIT_BUREAU_MON": 1,
"AMT_REQ_CREDIT_BUREAU_QRT": 2,
"AMT_REQ_CREDIT_BUREAU_YEAR": 6
}
3) Profil haut risque — jeune, faibles revenus, scores externes bas, sollicitations bureau élevées
Homme 25 ans, union libre, Secondary education, Low-skill Laborer, vit chez ses parents, faible ancienneté (8 mois), revenu bas, ratio crédit/revenu très tendu, EXT_SOURCE faibles, plusieurs requêtes au crédit bureau récentes, défauts sociaux observés.
{
"SK_ID_CURR": 244757,
"NAME_CONTRACT_TYPE": "Cash loans",
"CODE_GENDER": "M",
"FLAG_OWN_CAR": "N",
"FLAG_OWN_REALTY": "N",
"CNT_CHILDREN": 2,
"AMT_INCOME_TOTAL": 81000,
"AMT_CREDIT": 720000,
"AMT_ANNUITY": 42300,
"AMT_GOODS_PRICE": 675000,
"NAME_TYPE_SUITE": "Family",
"NAME_INCOME_TYPE": "Working",
"NAME_EDUCATION_TYPE": "Secondary / secondary special",
"NAME_FAMILY_STATUS": "Civil marriage",
"NAME_HOUSING_TYPE": "With parents",
"REGION_POPULATION_RELATIVE": 0.008575,
"DAYS_BIRTH": -9125,
"DAYS_EMPLOYED": -240,
"DAYS_REGISTRATION": -800.0,
"DAYS_ID_PUBLISH": -450,
"OWN_CAR_AGE": null,
"FLAG_MOBIL": 1,
"FLAG_EMP_PHONE": 1,
"FLAG_WORK_PHONE": 0,
"FLAG_CONT_MOBILE": 1,
"FLAG_PHONE": 0,
"FLAG_EMAIL": 0,
"OCCUPATION_TYPE": "Low-skill Laborers",
"CNT_FAM_MEMBERS": 4,
"REGION_RATING_CLIENT": 3,
"REGION_RATING_CLIENT_W_CITY": 3,
"WEEKDAY_APPR_PROCESS_START": "SATURDAY",
"HOUR_APPR_PROCESS_START": 19,
"REG_REGION_NOT_LIVE_REGION": 1,
"REG_REGION_NOT_WORK_REGION": 1,
"LIVE_REGION_NOT_WORK_REGION": 0,
"REG_CITY_NOT_LIVE_CITY": 1,
"REG_CITY_NOT_WORK_CITY": 1,
"LIVE_CITY_NOT_WORK_CITY": 1,
"ORGANIZATION_TYPE": "Construction",
"EXT_SOURCE_1": 0.08,
"EXT_SOURCE_2": 0.10,
"EXT_SOURCE_3": 0.06,
"APARTMENTS_AVG": null,
"BASEMENTAREA_AVG": null,
"YEARS_BEGINEXPLUATATION_AVG": null,
"YEARS_BUILD_AVG": null,
"COMMONAREA_AVG": null,
"ELEVATORS_AVG": null,
"ENTRANCES_AVG": null,
"FLOORSMAX_AVG": null,
"FLOORSMIN_AVG": null,
"LANDAREA_AVG": null,
"LIVINGAPARTMENTS_AVG": null,
"LIVINGAREA_AVG": null,
"NONLIVINGAPARTMENTS_AVG": null,
"NONLIVINGAREA_AVG": null,
"APARTMENTS_MODE": null,
"BASEMENTAREA_MODE": null,
"YEARS_BEGINEXPLUATATION_MODE": null,
"YEARS_BUILD_MODE": null,
"COMMONAREA_MODE": null,
"ELEVATORS_MODE": null,
"ENTRANCES_MODE": null,
"FLOORSMAX_MODE": null,
"FLOORSMIN_MODE": null,
"LANDAREA_MODE": null,
"LIVINGAPARTMENTS_MODE": null,
"LIVINGAREA_MODE": null,
"NONLIVINGAPARTMENTS_MODE": null,
"NONLIVINGAREA_MODE": null,
"APARTMENTS_MEDI": null,
"BASEMENTAREA_MEDI": null,
"YEARS_BEGINEXPLUATATION_MEDI": null,
"YEARS_BUILD_MEDI": null,
"COMMONAREA_MEDI": null,
"ELEVATORS_MEDI": null,
"ENTRANCES_MEDI": null,
"FLOORSMAX_MEDI": null,
"FLOORSMIN_MEDI": null,
"LANDAREA_MEDI": null,
"LIVINGAPARTMENTS_MEDI": null,
"LIVINGAREA_MEDI": null,
"NONLIVINGAPARTMENTS_MEDI": null,
"NONLIVINGAREA_MEDI": null,
"FONDKAPREMONT_MODE": null,
"HOUSETYPE_MODE": null,
"TOTALAREA_MODE": null,
"WALLSMATERIAL_MODE": null,
"EMERGENCYSTATE_MODE": null,
"OBS_30_CNT_SOCIAL_CIRCLE": 7,
"DEF_30_CNT_SOCIAL_CIRCLE": 3,
"OBS_60_CNT_SOCIAL_CIRCLE": 8,
"DEF_60_CNT_SOCIAL_CIRCLE": 4,
"DAYS_LAST_PHONE_CHANGE": -45,
"FLAG_DOCUMENT_2": 0,
"FLAG_DOCUMENT_3": 1,
"FLAG_DOCUMENT_4": 0,
"FLAG_DOCUMENT_5": 0,
"FLAG_DOCUMENT_6": 0,
"FLAG_DOCUMENT_7": 0,
"FLAG_DOCUMENT_8": 0,
"FLAG_DOCUMENT_9": 0,
"FLAG_DOCUMENT_10": 0,
"FLAG_DOCUMENT_11": 0,
"FLAG_DOCUMENT_12": 0,
"FLAG_DOCUMENT_13": 0,
"FLAG_DOCUMENT_14": 0,
"FLAG_DOCUMENT_15": 0,
"FLAG_DOCUMENT_16": 0,
"FLAG_DOCUMENT_17": 0,
"FLAG_DOCUMENT_18": 0,
"FLAG_DOCUMENT_19": 0,
"FLAG_DOCUMENT_20": 0,
"FLAG_DOCUMENT_21": 0,
"AMT_REQ_CREDIT_BUREAU_HOUR": 0,
"AMT_REQ_CREDIT_BUREAU_DAY": 1,
"AMT_REQ_CREDIT_BUREAU_WEEK": 2,
"AMT_REQ_CREDIT_BUREAU_MON": 4,
"AMT_REQ_CREDIT_BUREAU_QRT": 6,
"AMT_REQ_CREDIT_BUREAU_YEAR": 14
}
4) Client inconnu — bon profil
SK_ID_CURR=999001 n'existe pas dans features_store.parquet → l'API
remplit toutes les agrégations bureau / prev / POS / CC / install avec le
no_history_template (counts=0, autres NaN). Le score repose alors
uniquement sur les inputs app_train. Mêmes valeurs que le profil 1
(cadre stable, EXT_SOURCE élevés) mais SK_ID hors du référentiel.
{
"SK_ID_CURR": 999001,
"NAME_CONTRACT_TYPE": "Cash loans",
"CODE_GENDER": "F",
"FLAG_OWN_CAR": "Y",
"FLAG_OWN_REALTY": "Y",
"CNT_CHILDREN": 1,
"AMT_INCOME_TOTAL": 270000,
"AMT_CREDIT": 600000,
"AMT_ANNUITY": 28500,
"AMT_GOODS_PRICE": 540000,
"NAME_TYPE_SUITE": "Unaccompanied",
"NAME_INCOME_TYPE": "Commercial associate",
"NAME_EDUCATION_TYPE": "Higher education",
"NAME_FAMILY_STATUS": "Married",
"NAME_HOUSING_TYPE": "House / apartment",
"REGION_POPULATION_RELATIVE": 0.035792,
"DAYS_BIRTH": -15400,
"DAYS_EMPLOYED": -3650,
"DAYS_REGISTRATION": -4200.0,
"DAYS_ID_PUBLISH": -2800,
"OWN_CAR_AGE": 4,
"FLAG_MOBIL": 1,
"FLAG_EMP_PHONE": 1,
"FLAG_WORK_PHONE": 0,
"FLAG_CONT_MOBILE": 1,
"FLAG_PHONE": 1,
"FLAG_EMAIL": 1,
"OCCUPATION_TYPE": "Managers",
"CNT_FAM_MEMBERS": 3,
"REGION_RATING_CLIENT": 2,
"REGION_RATING_CLIENT_W_CITY": 2,
"WEEKDAY_APPR_PROCESS_START": "WEDNESDAY",
"HOUR_APPR_PROCESS_START": 11,
"REG_REGION_NOT_LIVE_REGION": 0,
"REG_REGION_NOT_WORK_REGION": 0,
"LIVE_REGION_NOT_WORK_REGION": 0,
"REG_CITY_NOT_LIVE_CITY": 0,
"REG_CITY_NOT_WORK_CITY": 0,
"LIVE_CITY_NOT_WORK_CITY": 0,
"ORGANIZATION_TYPE": "Bank",
"EXT_SOURCE_1": 0.80,
"EXT_SOURCE_2": 0.85,
"EXT_SOURCE_3": 0.78,
"APARTMENTS_AVG": 0.1242,
"BASEMENTAREA_AVG": 0.0876,
"YEARS_BEGINEXPLUATATION_AVG": 0.9821,
"YEARS_BUILD_AVG": 0.7553,
"COMMONAREA_AVG": 0.0432,
"ELEVATORS_AVG": 0.08,
"ENTRANCES_AVG": 0.1379,
"FLOORSMAX_AVG": 0.1667,
"FLOORSMIN_AVG": 0.2083,
"LANDAREA_AVG": 0.0481,
"LIVINGAPARTMENTS_AVG": 0.0973,
"LIVINGAREA_AVG": 0.1099,
"NONLIVINGAPARTMENTS_AVG": 0.0039,
"NONLIVINGAREA_AVG": 0.0144,
"APARTMENTS_MODE": 0.1257,
"BASEMENTAREA_MODE": 0.0901,
"YEARS_BEGINEXPLUATATION_MODE": 0.9826,
"YEARS_BUILD_MODE": 0.7649,
"COMMONAREA_MODE": 0.0413,
"ELEVATORS_MODE": 0.0775,
"ENTRANCES_MODE": 0.1379,
"FLOORSMAX_MODE": 0.1667,
"FLOORSMIN_MODE": 0.2083,
"LANDAREA_MODE": 0.0492,
"LIVINGAPARTMENTS_MODE": 0.0991,
"LIVINGAREA_MODE": 0.1129,
"NONLIVINGAPARTMENTS_MODE": 0.0036,
"NONLIVINGAREA_MODE": 0.0151,
"APARTMENTS_MEDI": 0.1252,
"BASEMENTAREA_MEDI": 0.0884,
"YEARS_BEGINEXPLUATATION_MEDI": 0.9822,
"YEARS_BUILD_MEDI": 0.7585,
"COMMONAREA_MEDI": 0.0432,
"ELEVATORS_MEDI": 0.08,
"ENTRANCES_MEDI": 0.1379,
"FLOORSMAX_MEDI": 0.1667,
"FLOORSMIN_MEDI": 0.2083,
"LANDAREA_MEDI": 0.0482,
"LIVINGAPARTMENTS_MEDI": 0.0978,
"LIVINGAREA_MEDI": 0.1109,
"NONLIVINGAPARTMENTS_MEDI": 0.0039,
"NONLIVINGAREA_MEDI": 0.0148,
"FONDKAPREMONT_MODE": "reg oper account",
"HOUSETYPE_MODE": "block of flats",
"TOTALAREA_MODE": 0.1023,
"WALLSMATERIAL_MODE": "Panel",
"EMERGENCYSTATE_MODE": "No",
"OBS_30_CNT_SOCIAL_CIRCLE": 1,
"DEF_30_CNT_SOCIAL_CIRCLE": 0,
"OBS_60_CNT_SOCIAL_CIRCLE": 1,
"DEF_60_CNT_SOCIAL_CIRCLE": 0,
"DAYS_LAST_PHONE_CHANGE": -1850,
"FLAG_DOCUMENT_2": 0,
"FLAG_DOCUMENT_3": 1,
"FLAG_DOCUMENT_4": 0,
"FLAG_DOCUMENT_5": 0,
"FLAG_DOCUMENT_6": 0,
"FLAG_DOCUMENT_7": 0,
"FLAG_DOCUMENT_8": 0,
"FLAG_DOCUMENT_9": 0,
"FLAG_DOCUMENT_10": 0,
"FLAG_DOCUMENT_11": 0,
"FLAG_DOCUMENT_12": 0,
"FLAG_DOCUMENT_13": 0,
"FLAG_DOCUMENT_14": 0,
"FLAG_DOCUMENT_15": 0,
"FLAG_DOCUMENT_16": 0,
"FLAG_DOCUMENT_17": 0,
"FLAG_DOCUMENT_18": 0,
"FLAG_DOCUMENT_19": 0,
"FLAG_DOCUMENT_20": 0,
"FLAG_DOCUMENT_21": 0,
"AMT_REQ_CREDIT_BUREAU_HOUR": 0,
"AMT_REQ_CREDIT_BUREAU_DAY": 0,
"AMT_REQ_CREDIT_BUREAU_WEEK": 0,
"AMT_REQ_CREDIT_BUREAU_MON": 0,
"AMT_REQ_CREDIT_BUREAU_QRT": 0,
"AMT_REQ_CREDIT_BUREAU_YEAR": 2
}
5) Client inconnu — mauvais profil
SK_ID_CURR=999002 absent du référentiel → no_history_template appliqué.
Mêmes signaux app_train que le profil 3 (jeune, faibles revenus, EXT_SOURCE
très bas, sollicitations bureau nombreuses, défauts sociaux).
{
"SK_ID_CURR": 999002,
"NAME_CONTRACT_TYPE": "Cash loans",
"CODE_GENDER": "M",
"FLAG_OWN_CAR": "N",
"FLAG_OWN_REALTY": "N",
"CNT_CHILDREN": 2,
"AMT_INCOME_TOTAL": 81000,
"AMT_CREDIT": 720000,
"AMT_ANNUITY": 42300,
"AMT_GOODS_PRICE": 675000,
"NAME_TYPE_SUITE": "Family",
"NAME_INCOME_TYPE": "Working",
"NAME_EDUCATION_TYPE": "Secondary / secondary special",
"NAME_FAMILY_STATUS": "Civil marriage",
"NAME_HOUSING_TYPE": "With parents",
"REGION_POPULATION_RELATIVE": 0.008575,
"DAYS_BIRTH": -9125,
"DAYS_EMPLOYED": -240,
"DAYS_REGISTRATION": -800.0,
"DAYS_ID_PUBLISH": -450,
"OWN_CAR_AGE": null,
"FLAG_MOBIL": 1,
"FLAG_EMP_PHONE": 1,
"FLAG_WORK_PHONE": 0,
"FLAG_CONT_MOBILE": 1,
"FLAG_PHONE": 0,
"FLAG_EMAIL": 0,
"OCCUPATION_TYPE": "Low-skill Laborers",
"CNT_FAM_MEMBERS": 4,
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}