# 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. ```json { "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. ```json { "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. ```json { "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. ```json { "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). ```json { "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, "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 } ```