lithic 0.13.0 → 0.14.0

checksums.yaml

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data/CHANGELOG.md

@@ -1,5 +1,14 @@
 # Changelog
 
+## 0.14.0 (2026-05-08)
+
+Full Changelog: [v0.13.0...v0.14.0](https://github.com/lithic-com/lithic-ruby/compare/v0.13.0...v0.14.0)
+
+### Features
+
+* **api:** add retrieve_signals method to accounts and cards ([c6446ff](https://github.com/lithic-com/lithic-ruby/commit/c6446ffce562ebe1d451d86a56372e3bf91004e9))
+* **api:** add travel speed/distance attributes and unit parameter to auth_rules ([846d5d9](https://github.com/lithic-com/lithic-ruby/commit/846d5d99cea53078bbda45f2a4b845bc4f7f33d2))
+
 ## 0.13.0 (2026-05-06)
 
 Full Changelog: [v0.12.0...v0.13.0](https://github.com/lithic-com/lithic-ruby/compare/v0.12.0...v0.13.0)

data/README.md

@@ -24,7 +24,7 @@ To use this gem, install via Bundler by adding the following to your application
 <!-- x-release-please-start-version -->
 
 ```ruby
-gem "lithic", "~> 0.13.0"
+gem "lithic", "~> 0.14.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/lithic/models/account_retrieve_signals_params.rb

@@ -0,0 +1,20 @@
+# frozen_string_literal: true
+
+module Lithic
+  module Models
+    # @see Lithic::Resources::Accounts#retrieve_signals
+    class AccountRetrieveSignalsParams < Lithic::Internal::Type::BaseModel
+      extend Lithic::Internal::Type::RequestParameters::Converter
+      include Lithic::Internal::Type::RequestParameters
+
+      # @!attribute account_token
+      #
+      #   @return [String]
+      required :account_token, String
+
+      # @!method initialize(account_token:, request_options: {})
+      #   @param account_token [String]
+      #   @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}]
+    end
+  end
+end

data/lib/lithic/models/auth_rules/conditional_authorization_action_parameters.rb

@@ -138,6 +138,15 @@ module Lithic
           #     `parameters` required.
           #   - `THREE_DS_SUCCESS_RATE`: The 3DS authentication success rate for the card, as
           #     a percentage from 0.0 to 100.0. Card-scoped only; no `parameters` required.
+          #   - `TRAVEL_SPEED`: The estimated speed of travel derived from the distance
+          #     between the postal code centers of the last card-present transaction and the
+          #     current transaction, divided by the elapsed time. Null if there is no prior
+          #     card-present transaction, if either postal code cannot be geocoded, or if
+          #     elapsed time is zero. Requires `parameters.unit` set to `MPH` or `KPH`.
+          #   - `DISTANCE_FROM_LAST_TRANSACTION`: The estimated distance between the postal
+          #     code centers of the last card-present transaction and the current transaction.
+          #     Null if there is no prior card-present transaction or if either postal code
+          #     cannot be geocoded. Requires `parameters.unit` set to `MILES` or `KILOMETERS`.
           #
           #   @return [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Attribute]
           required :attribute,
@@ -156,11 +165,12 @@ module Lithic
           required :value, union: -> { Lithic::AuthRules::ConditionalValue }
 
           # @!attribute parameters
-          #   Additional parameters required for transaction history signal attributes.
-          #   Required when `attribute` is one of `AMOUNT_Z_SCORE`, `AVG_TRANSACTION_AMOUNT`,
-          #   `STDEV_TRANSACTION_AMOUNT`, `IS_NEW_COUNTRY`, `IS_NEW_MCC`,
-          #   `IS_FIRST_TRANSACTION`, `CONSECUTIVE_DECLINES`, `TIME_SINCE_LAST_TRANSACTION`,
-          #   or `DISTINCT_COUNTRY_COUNT`. Not used for other attributes.
+          #   Additional parameters for certain attributes. Required when `attribute` is one
+          #   of `AMOUNT_Z_SCORE`, `AVG_TRANSACTION_AMOUNT`, `STDEV_TRANSACTION_AMOUNT`,
+          #   `IS_NEW_COUNTRY`, `IS_NEW_MCC`, `IS_FIRST_TRANSACTION`, `CONSECUTIVE_DECLINES`,
+          #   `TIME_SINCE_LAST_TRANSACTION`, or `DISTINCT_COUNTRY_COUNT` (require `scope`); or
+          #   `TRAVEL_SPEED` or `DISTANCE_FROM_LAST_TRANSACTION` (require `unit`). Not used
+          #   for other attributes.
           #
           #   @return [Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters, nil]
           optional :parameters,
@@ -177,7 +187,7 @@ module Lithic
           #
           #   @param value [String, Integer, Array<String>, Time] A regex string, to be used with `MATCHES` or `DOES_NOT_MATCH`
           #
-          #   @param parameters [Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters] Additional parameters required for transaction history signal attributes. Requir
+          #   @param parameters [Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters] Additional parameters for certain attributes. Required when `attribute` is one o
 
           # The attribute to target.
           #
@@ -281,6 +291,15 @@ module Lithic
           #   `parameters` required.
           # - `THREE_DS_SUCCESS_RATE`: The 3DS authentication success rate for the card, as
           #   a percentage from 0.0 to 100.0. Card-scoped only; no `parameters` required.
+          # - `TRAVEL_SPEED`: The estimated speed of travel derived from the distance
+          #   between the postal code centers of the last card-present transaction and the
+          #   current transaction, divided by the elapsed time. Null if there is no prior
+          #   card-present transaction, if either postal code cannot be geocoded, or if
+          #   elapsed time is zero. Requires `parameters.unit` set to `MPH` or `KPH`.
+          # - `DISTANCE_FROM_LAST_TRANSACTION`: The estimated distance between the postal
+          #   code centers of the last card-present transaction and the current transaction.
+          #   Null if there is no prior card-present transaction or if either postal code
+          #   cannot be geocoded. Requires `parameters.unit` set to `MILES` or `KILOMETERS`.
           #
           # @see Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition#attribute
           module Attribute
@@ -323,6 +342,8 @@ module Lithic
             DISTINCT_COUNTRY_COUNT = :DISTINCT_COUNTRY_COUNT
             IS_NEW_MERCHANT = :IS_NEW_MERCHANT
             THREE_DS_SUCCESS_RATE = :THREE_DS_SUCCESS_RATE
+            TRAVEL_SPEED = :TRAVEL_SPEED
+            DISTANCE_FROM_LAST_TRANSACTION = :DISTANCE_FROM_LAST_TRANSACTION
 
             # @!method self.values
             #   @return [Array<Symbol>]
@@ -346,20 +367,36 @@ module Lithic
             optional :scope,
                      enum: -> { Lithic::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Scope }
 
-            # @!method initialize(interval: nil, scope: nil)
+            # @!attribute unit
+            #   The unit for impossible travel attributes. Required when `attribute` is
+            #   `TRAVEL_SPEED` or `DISTANCE_FROM_LAST_TRANSACTION`.
+            #
+            #   For `TRAVEL_SPEED`: `MPH` (miles per hour) or `KPH` (kilometers per hour).
+            #
+            #   For `DISTANCE_FROM_LAST_TRANSACTION`: `MILES` or `KILOMETERS`.
+            #
+            #   @return [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Unit, nil]
+            optional :unit,
+                     enum: -> { Lithic::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Unit }
+
+            # @!method initialize(interval: nil, scope: nil, unit: nil)
             #   Some parameter documentations has been truncated, see
             #   {Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters}
             #   for more details.
             #
-            #   Additional parameters required for transaction history signal attributes.
-            #   Required when `attribute` is one of `AMOUNT_Z_SCORE`, `AVG_TRANSACTION_AMOUNT`,
-            #   `STDEV_TRANSACTION_AMOUNT`, `IS_NEW_COUNTRY`, `IS_NEW_MCC`,
-            #   `IS_FIRST_TRANSACTION`, `CONSECUTIVE_DECLINES`, `TIME_SINCE_LAST_TRANSACTION`,
-            #   or `DISTINCT_COUNTRY_COUNT`. Not used for other attributes.
+            #   Additional parameters for certain attributes. Required when `attribute` is one
+            #   of `AMOUNT_Z_SCORE`, `AVG_TRANSACTION_AMOUNT`, `STDEV_TRANSACTION_AMOUNT`,
+            #   `IS_NEW_COUNTRY`, `IS_NEW_MCC`, `IS_FIRST_TRANSACTION`, `CONSECUTIVE_DECLINES`,
+            #   `TIME_SINCE_LAST_TRANSACTION`, or `DISTINCT_COUNTRY_COUNT` (require `scope`); or
+            #   `TRAVEL_SPEED` or `DISTANCE_FROM_LAST_TRANSACTION` (require `unit`). Not used
+            #   for other attributes.
             #
             #   @param interval [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Interval] The time window for statistical attributes (`AMOUNT_Z_SCORE`, `AVG_TRANSACTION_A
             #
             #   @param scope [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Scope] The entity scope to evaluate the attribute against.
+            #
+            #   @param unit [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Unit] The unit for impossible travel attributes. Required when `attribute` is
+            #   `TRAVEL\_
 
             # The time window for statistical attributes (`AMOUNT_Z_SCORE`,
             # `AVG_TRANSACTION_AMOUNT`, `STDEV_TRANSACTION_AMOUNT`). Use `LIFETIME` for
@@ -391,6 +428,26 @@ module Lithic
               # @!method self.values
               #   @return [Array<Symbol>]
             end
+
+            # The unit for impossible travel attributes. Required when `attribute` is
+            # `TRAVEL_SPEED` or `DISTANCE_FROM_LAST_TRANSACTION`.
+            #
+            # For `TRAVEL_SPEED`: `MPH` (miles per hour) or `KPH` (kilometers per hour).
+            #
+            # For `DISTANCE_FROM_LAST_TRANSACTION`: `MILES` or `KILOMETERS`.
+            #
+            # @see Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters#unit
+            module Unit
+              extend Lithic::Internal::Type::Enum
+
+              MPH = :MPH
+              KPH = :KPH
+              MILES = :MILES
+              KILOMETERS = :KILOMETERS
+
+              # @!method self.values
+              #   @return [Array<Symbol>]
+            end
           end
         end
       end

data/lib/lithic/models/card_retrieve_signals_params.rb

@@ -0,0 +1,20 @@
+# frozen_string_literal: true
+
+module Lithic
+  module Models
+    # @see Lithic::Resources::Cards#retrieve_signals
+    class CardRetrieveSignalsParams < Lithic::Internal::Type::BaseModel
+      extend Lithic::Internal::Type::RequestParameters::Converter
+      include Lithic::Internal::Type::RequestParameters
+
+      # @!attribute card_token
+      #
+      #   @return [String]
+      required :card_token, String
+
+      # @!method initialize(card_token:, request_options: {})
+      #   @param card_token [String]
+      #   @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}]
+    end
+  end
+end

data/lib/lithic/models/signals_response.rb

@@ -0,0 +1,306 @@
+# frozen_string_literal: true
+
+module Lithic
+  module Models
+    class SignalsResponse < Lithic::Internal::Type::BaseModel
+      # @!attribute approved_txn_amount_m2
+      #   The Welford M2 accumulator for lifetime approved transaction amounts. Used
+      #   together with `avg_transaction_amount` and `approved_txn_count` to compute the
+      #   z-score of a new transaction amount (variance = M2 / (count - 1)).
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2, Float, nil?: true
+
+      # @!attribute approved_txn_amount_m2_30d
+      #   The Welford M2 accumulator for approved transaction amounts over the last 30
+      #   days.
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2_30d, Float, nil?: true
+
+      # @!attribute approved_txn_amount_m2_7d
+      #   The Welford M2 accumulator for approved transaction amounts over the last 7
+      #   days.
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2_7d, Float, nil?: true
+
+      # @!attribute approved_txn_amount_m2_90d
+      #   The Welford M2 accumulator for approved transaction amounts over the last 90
+      #   days.
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2_90d, Float, nil?: true
+
+      # @!attribute approved_txn_count
+      #   The total number of approved transactions over the entity's lifetime.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count, Integer, nil?: true
+
+      # @!attribute approved_txn_count_30d
+      #   The number of approved transactions in the last 30 days.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count_30d, Integer, nil?: true
+
+      # @!attribute approved_txn_count_7d
+      #   The number of approved transactions in the last 7 days.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count_7d, Integer, nil?: true
+
+      # @!attribute approved_txn_count_90d
+      #   The number of approved transactions in the last 90 days.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count_90d, Integer, nil?: true
+
+      # @!attribute avg_transaction_amount
+      #   The average approved transaction amount over the entity's lifetime, in cents.
+      #   Null if fewer than 5 approved transactions have been recorded.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount, Float, nil?: true
+
+      # @!attribute avg_transaction_amount_30d
+      #   The average approved transaction amount over the last 30 days, in cents. Null if
+      #   fewer than 5 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount_30d, Float, nil?: true
+
+      # @!attribute avg_transaction_amount_7d
+      #   The average approved transaction amount over the last 7 days, in cents. Null if
+      #   fewer than 5 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount_7d, Float, nil?: true
+
+      # @!attribute avg_transaction_amount_90d
+      #   The average approved transaction amount over the last 90 days, in cents. Null if
+      #   fewer than 5 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount_90d, Float, nil?: true
+
+      # @!attribute distinct_country_count
+      #   The number of distinct merchant countries seen in the entity's transaction
+      #   history.
+      #
+      #   @return [Integer, nil]
+      required :distinct_country_count, Integer, nil?: true
+
+      # @!attribute distinct_mcc_count
+      #   The number of distinct MCCs seen in the entity's transaction history.
+      #
+      #   @return [Integer, nil]
+      required :distinct_mcc_count, Integer, nil?: true
+
+      # @!attribute first_txn_at
+      #   The timestamp of the first approved transaction for the entity, in ISO 8601
+      #   format.
+      #
+      #   @return [Time, nil]
+      required :first_txn_at, Time, nil?: true
+
+      # @!attribute is_first_transaction
+      #   Whether the entity has no prior transaction history. Returns true if no history
+      #   is found. Null if transaction history exists but a first transaction timestamp
+      #   is unavailable.
+      #
+      #   @return [Boolean, nil]
+      required :is_first_transaction, Lithic::Internal::Type::Boolean, nil?: true
+
+      # @!attribute last_cp_country
+      #   The merchant country of the last card-present transaction.
+      #
+      #   @return [String, nil]
+      required :last_cp_country, String, nil?: true
+
+      # @!attribute last_cp_postal_code
+      #   The merchant postal code of the last card-present transaction.
+      #
+      #   @return [String, nil]
+      required :last_cp_postal_code, String, nil?: true
+
+      # @!attribute last_cp_timestamp
+      #   The timestamp of the last card-present transaction, in ISO 8601 format.
+      #
+      #   @return [Time, nil]
+      required :last_cp_timestamp, Time, nil?: true
+
+      # @!attribute last_txn_approved_at
+      #   The timestamp of the most recent approved transaction for the entity, in ISO
+      #   8601 format.
+      #
+      #   @return [Time, nil]
+      required :last_txn_approved_at, Time, nil?: true
+
+      # @!attribute seen_countries
+      #   The set of merchant countries seen in the entity's transaction history. Clients
+      #   can use this to determine whether a new transaction's country is novel (i.e.
+      #   compute `is_new_country`).
+      #
+      #   @return [Array<String>, nil]
+      required :seen_countries, Lithic::Internal::Type::ArrayOf[String], nil?: true
+
+      # @!attribute seen_mccs
+      #   The set of MCCs seen in the entity's transaction history. Clients can use this
+      #   to determine whether a new transaction's MCC is novel (i.e. compute
+      #   `is_new_mcc`).
+      #
+      #   @return [Array<String>, nil]
+      required :seen_mccs, Lithic::Internal::Type::ArrayOf[String], nil?: true
+
+      # @!attribute seen_merchants
+      #   The set of card acceptor IDs seen in the card's approved transaction history,
+      #   capped at the 1000 most recently seen. Null for account responses. Clients can
+      #   use this to determine whether a new transaction's merchant is novel (i.e.
+      #   compute `is_new_merchant`).
+      #
+      #   @return [Array<String>, nil]
+      required :seen_merchants, Lithic::Internal::Type::ArrayOf[String], nil?: true
+
+      # @!attribute stdev_transaction_amount
+      #   The standard deviation of approved transaction amounts over the entity's
+      #   lifetime, in cents. Null if fewer than 30 approved transactions have been
+      #   recorded.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount, Float, nil?: true
+
+      # @!attribute stdev_transaction_amount_30d
+      #   The standard deviation of approved transaction amounts over the last 30 days, in
+      #   cents. Null if fewer than 30 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount_30d, Float, nil?: true
+
+      # @!attribute stdev_transaction_amount_7d
+      #   The standard deviation of approved transaction amounts over the last 7 days, in
+      #   cents. Null if fewer than 30 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount_7d, Float, nil?: true
+
+      # @!attribute stdev_transaction_amount_90d
+      #   The standard deviation of approved transaction amounts over the last 90 days, in
+      #   cents. Null if fewer than 30 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount_90d, Float, nil?: true
+
+      # @!attribute three_ds_success_count
+      #   The number of successful 3DS authentications for the card. Null for account
+      #   responses.
+      #
+      #   @return [Integer, nil]
+      required :three_ds_success_count, Integer, nil?: true
+
+      # @!attribute three_ds_success_rate
+      #   The 3DS authentication success rate for the card, as a percentage from 0.0 to
+      #   100.0. Null for account responses.
+      #
+      #   @return [Float, nil]
+      required :three_ds_success_rate, Float, nil?: true
+
+      # @!attribute three_ds_total_count
+      #   The total number of 3DS authentication attempts for the card. Null for account
+      #   responses.
+      #
+      #   @return [Integer, nil]
+      required :three_ds_total_count, Integer, nil?: true
+
+      # @!attribute time_since_last_transaction_days
+      #   The number of days since the last approved transaction on the entity.
+      #
+      #   @return [Float, nil]
+      required :time_since_last_transaction_days, Float, nil?: true
+
+      # @!method initialize(approved_txn_amount_m2:, approved_txn_amount_m2_30d:, approved_txn_amount_m2_7d:, approved_txn_amount_m2_90d:, approved_txn_count:, approved_txn_count_30d:, approved_txn_count_7d:, approved_txn_count_90d:, avg_transaction_amount:, avg_transaction_amount_30d:, avg_transaction_amount_7d:, avg_transaction_amount_90d:, distinct_country_count:, distinct_mcc_count:, first_txn_at:, is_first_transaction:, last_cp_country:, last_cp_postal_code:, last_cp_timestamp:, last_txn_approved_at:, seen_countries:, seen_mccs:, seen_merchants:, stdev_transaction_amount:, stdev_transaction_amount_30d:, stdev_transaction_amount_7d:, stdev_transaction_amount_90d:, three_ds_success_count:, three_ds_success_rate:, three_ds_total_count:, time_since_last_transaction_days:)
+      #   Some parameter documentations has been truncated, see
+      #   {Lithic::Models::SignalsResponse} for more details.
+      #
+      #   Behavioral feature state for a card or account derived from its transaction
+      #   history.
+      #
+      #   Derived statistical features (averages, standard deviations, z-scores) are
+      #   computed using Welford's online algorithm over approved transactions. Average
+      #   fields are null when fewer than 5 approved transactions have been recorded.
+      #   Standard deviation fields are null when fewer than 30 approved transactions have
+      #   been recorded.
+      #
+      #   3DS fields (`three_ds_success_rate`, `three_ds_success_count`,
+      #   `three_ds_total_count`) are card-scoped and will be null for account responses.
+      #
+      #   Raw fields (`seen_countries`, `seen_mccs`, `approved_txn_amount_m2`, etc.) are
+      #   included so clients can compute their own transaction-specific derivations, such
+      #   as checking whether a new transaction's country is in `seen_countries` to
+      #   determine `is_new_country`, or computing a z-score using the raw mean and M2
+      #   values.
+      #
+      #   @param approved_txn_amount_m2 [Float, nil] The Welford M2 accumulator for lifetime approved transaction amounts. Used toget
+      #
+      #   @param approved_txn_amount_m2_30d [Float, nil] The Welford M2 accumulator for approved transaction amounts over the last 30 day
+      #
+      #   @param approved_txn_amount_m2_7d [Float, nil] The Welford M2 accumulator for approved transaction amounts over the last 7 days
+      #
+      #   @param approved_txn_amount_m2_90d [Float, nil] The Welford M2 accumulator for approved transaction amounts over the last 90 day
+      #
+      #   @param approved_txn_count [Integer, nil] The total number of approved transactions over the entity's lifetime.
+      #
+      #   @param approved_txn_count_30d [Integer, nil] The number of approved transactions in the last 30 days.
+      #
+      #   @param approved_txn_count_7d [Integer, nil] The number of approved transactions in the last 7 days.
+      #
+      #   @param approved_txn_count_90d [Integer, nil] The number of approved transactions in the last 90 days.
+      #
+      #   @param avg_transaction_amount [Float, nil] The average approved transaction amount over the entity's lifetime, in cents. Nu
+      #
+      #   @param avg_transaction_amount_30d [Float, nil] The average approved transaction amount over the last 30 days, in cents. Null if
+      #
+      #   @param avg_transaction_amount_7d [Float, nil] The average approved transaction amount over the last 7 days, in cents. Null if
+      #
+      #   @param avg_transaction_amount_90d [Float, nil] The average approved transaction amount over the last 90 days, in cents. Null if
+      #
+      #   @param distinct_country_count [Integer, nil] The number of distinct merchant countries seen in the entity's transaction histo
+      #
+      #   @param distinct_mcc_count [Integer, nil] The number of distinct MCCs seen in the entity's transaction history.
+      #
+      #   @param first_txn_at [Time, nil] The timestamp of the first approved transaction for the entity, in ISO 8601 form
+      #
+      #   @param is_first_transaction [Boolean, nil] Whether the entity has no prior transaction history. Returns true if no history
+      #
+      #   @param last_cp_country [String, nil] The merchant country of the last card-present transaction.
+      #
+      #   @param last_cp_postal_code [String, nil] The merchant postal code of the last card-present transaction.
+      #
+      #   @param last_cp_timestamp [Time, nil] The timestamp of the last card-present transaction, in ISO 8601 format.
+      #
+      #   @param last_txn_approved_at [Time, nil] The timestamp of the most recent approved transaction for the entity, in ISO 860
+      #
+      #   @param seen_countries [Array<String>, nil] The set of merchant countries seen in the entity's transaction history. Clients
+      #
+      #   @param seen_mccs [Array<String>, nil] The set of MCCs seen in the entity's transaction history. Clients can use this t
+      #
+      #   @param seen_merchants [Array<String>, nil] The set of card acceptor IDs seen in the card's approved transaction history, ca
+      #
+      #   @param stdev_transaction_amount [Float, nil] The standard deviation of approved transaction amounts over the entity's lifetim
+      #
+      #   @param stdev_transaction_amount_30d [Float, nil] The standard deviation of approved transaction amounts over the last 30 days, in
+      #
+      #   @param stdev_transaction_amount_7d [Float, nil] The standard deviation of approved transaction amounts over the last 7 days, in
+      #
+      #   @param stdev_transaction_amount_90d [Float, nil] The standard deviation of approved transaction amounts over the last 90 days, in
+      #
+      #   @param three_ds_success_count [Integer, nil] The number of successful 3DS authentications for the card. Null for account resp
+      #
+      #   @param three_ds_success_rate [Float, nil] The 3DS authentication success rate for the card, as a percentage from 0.0 to 10
+      #
+      #   @param three_ds_total_count [Integer, nil] The total number of 3DS authentication attempts for the card. Null for account r
+      #
+      #   @param time_since_last_transaction_days [Float, nil] The number of days since the last approved transaction on the entity.
+    end
+  end
+end

data/lib/lithic/models.rb

@@ -82,6 +82,8 @@ module Lithic
 
   AccountRetrieveParams = Lithic::Models::AccountRetrieveParams
 
+  AccountRetrieveSignalsParams = Lithic::Models::AccountRetrieveSignalsParams
+
   AccountRetrieveSpendLimitsParams = Lithic::Models::AccountRetrieveSpendLimitsParams
 
   AccountSpendLimits = Lithic::Models::AccountSpendLimits
@@ -176,6 +178,8 @@ module Lithic
 
   CardRetrieveParams = Lithic::Models::CardRetrieveParams
 
+  CardRetrieveSignalsParams = Lithic::Models::CardRetrieveSignalsParams
+
   CardRetrieveSpendLimitsParams = Lithic::Models::CardRetrieveSpendLimitsParams
 
   Cards = Lithic::Models::Cards
@@ -487,6 +491,8 @@ module Lithic
 
   ShippingAddress = Lithic::Models::ShippingAddress
 
+  SignalsResponse = Lithic::Models::SignalsResponse
+
   SpendLimitDuration = Lithic::Models::SpendLimitDuration
 
   StatementsCreatedWebhookEvent = Lithic::Models::StatementsCreatedWebhookEvent

data/lib/lithic/resources/accounts.rb

@@ -99,6 +99,33 @@ module Lithic
         )
       end
 
+      # Returns behavioral feature state derived from an account's transaction history.
+      #
+      # These signals expose the same data used by behavioral rule attributes (e.g.
+      # `AMOUNT_Z_SCORE` with `scope: ACCOUNT`, `IS_NEW_COUNTRY` with `scope: ACCOUNT`)
+      # and custom code `TRANSACTION_HISTORY_SIGNALS` features, allowing clients to
+      # inspect feature values before writing rules and debug rule behavior.
+      #
+      # Note: 3DS fields are not available at the account scope and will be null.
+      #
+      # @overload retrieve_signals(account_token, request_options: {})
+      #
+      # @param account_token [String] The token of the account to fetch signals for.
+      #
+      # @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}, nil]
+      #
+      # @return [Lithic::Models::SignalsResponse]
+      #
+      # @see Lithic::Models::AccountRetrieveSignalsParams
+      def retrieve_signals(account_token, params = {})
+        @client.request(
+          method: :get,
+          path: ["v1/accounts/%1$s/signals", account_token],
+          model: Lithic::SignalsResponse,
+          options: params[:request_options]
+        )
+      end
+
       # Get an Account's available spend limits, which is based on the spend limit
       # configured on the Account and the amount already spent over the spend limit's
       # duration. For example, if the Account has a daily spend limit of $1000

data/lib/lithic/resources/cards.rb

@@ -404,6 +404,31 @@ module Lithic
         )
       end
 
+      # Returns behavioral feature state derived from a card's transaction history.
+      #
+      # These signals expose the same data used by behavioral rule attributes (e.g.
+      # `AMOUNT_Z_SCORE` with `scope: CARD`, `IS_NEW_COUNTRY` with `scope: CARD`) and
+      # custom code `TRANSACTION_HISTORY_SIGNALS` features, allowing clients to inspect
+      # feature values before writing rules and debug rule behavior.
+      #
+      # @overload retrieve_signals(card_token, request_options: {})
+      #
+      # @param card_token [String] The token of the card to fetch signals for.
+      #
+      # @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}, nil]
+      #
+      # @return [Lithic::Models::SignalsResponse]
+      #
+      # @see Lithic::Models::CardRetrieveSignalsParams
+      def retrieve_signals(card_token, params = {})
+        @client.request(
+          method: :get,
+          path: ["v1/cards/%1$s/signals", card_token],
+          model: Lithic::SignalsResponse,
+          options: params[:request_options]
+        )
+      end
+
       # Get a Card's available spend limit, which is based on the spend limit configured
       # on the Card and the amount already spent over the spend limit's duration. For
       # example, if the Card has a monthly spend limit of $1000 configured, and has

data/lib/lithic/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Lithic
-  VERSION = "0.13.0"
+  VERSION = "0.14.0"
 end

data/lib/lithic.rb

@@ -109,6 +109,7 @@ require_relative "lithic/models/account_holder_upload_document_params"
 require_relative "lithic/models/account_holder_verification_webhook_event"
 require_relative "lithic/models/account_list_params"
 require_relative "lithic/models/account_retrieve_params"
+require_relative "lithic/models/account_retrieve_signals_params"
 require_relative "lithic/models/account_retrieve_spend_limits_params"
 require_relative "lithic/models/account_spend_limits"
 require_relative "lithic/models/account_update_params"
@@ -195,6 +196,7 @@ require_relative "lithic/models/card_reissue_params"
 require_relative "lithic/models/card_renewed_webhook_event"
 require_relative "lithic/models/card_renew_params"
 require_relative "lithic/models/card_retrieve_params"
+require_relative "lithic/models/card_retrieve_signals_params"
 require_relative "lithic/models/card_retrieve_spend_limits_params"
 require_relative "lithic/models/cards/balance_list_params"
 require_relative "lithic/models/cards/financial_transaction_list_params"
@@ -394,6 +396,7 @@ require_relative "lithic/models/settlement_detail"
 require_relative "lithic/models/settlement_report_updated_webhook_event"
 require_relative "lithic/models/settlement_summary_details"
 require_relative "lithic/models/shipping_address"
+require_relative "lithic/models/signals_response"
 require_relative "lithic/models/spend_limit_duration"
 require_relative "lithic/models/statements_created_webhook_event"
 require_relative "lithic/models/statement_totals"