Risk Checks

Risk management and fraud prevention are elementary functional areas and sub-processes for reducing risks in the processing of payments. There are two types of risk management and fraud prevention checks that we offer. They are:

• Risk checks that are applied during sale order processing of products and/o services. These are risk checks that are offered as part of the ancillary services and is covered by this product and service description.
• Risk checks that are applied during a payment processing for sale order is included as part of the payment services and is not covered by this product and service description.

The risk check framework that are covered by this product and services are:

1. Blacklist checks
2. Velocity checks
3. Transaction limit checks
4. Customer limit checks

Perform a Risk Check

The following section will describe the procedure and results of a person risk check and can be analogously applied to a company risk check (see API method Perform Company Risk Check).

Call the API method Person Risk Check and specify as much individual-related and order-related information as possible, e.g. customer name, address, list of order items, order value, etc.

Person Risk Check Request

Path:

POST {baseURL}/compliance/person-risk-check

Header:

Content-Type: application/json
Accept-Language: en-US

{        
    "merchantAccno": "000000005",
    "accnoType": "00",
    "merchantProgramCode": "COMPANY123",
    "customerId": "100001073541",
    "firstName": "Jacob",
    "lastName": "Smith",
    "addressLine1": "Anystreet",
    "number": "321",
    "postCode": "12345",
    "city": "Anycity",
    "countryCode": "DE",
    "emailAddress": "user@example.com",
    "dateOfBirth": "1965-01-01",
    "orderData": {
        "orderItems": [
            { 
                "articleNumber": "4M0.054.816A 05A",
                "name": "Connected Infotainment services 3 Months",
                "group": "Infotainment",
                "price": 50,
                "amount": 1,
                "totalPrice": 50,
                "itemType": "SUBSCRIPTION"
            }
        ],
        "orderValue": 50,
        "channel": "In-Car App"
    },
    "VIN": "123456",
    "paymentOptionCode": "VISA",
    "requestDateTime": "2021-02-08T17:43:19.027Z"
}

Company Risk Check Request

Path:

POST {baseURL}/compliance/company-risk-check

Header:

Content-Type: application/json
Accept-Language: en-US

{       
    "merchantAccno": "000000005",
    "accnoType": "00",
    "merchantProgramCode": "COMPANY123",
    "customerId": "100001073541",
    "companyName": "Meier FS AG",
    "addressLine1": "Anystreet",
    "number": "321",
    "postCode": "12345",
    "city": "Anycity",
    "countryCode": "DE",
    "emailAddress": "user@example.com",
    "orderData": {
        "orderItems": [
            { 
                "articleNumber": "4M0.054.816A 05A",
                "name": "Connected Infotainment services 3 Months",
                "group": "Infotainment",
                "price": 50,
                "amount": 1,
                "totalPrice": 50,
                "itemType": "SUBSCRIPTION"
            }
        ],
        "orderValue": 50,
        "channel": "In-Car App"
    },
    "VIN": "123456",
    "paymentOptionCode": "VISA",
    "requestDateTime": "2021-02-08T17:43:19.027Z"
}

Risk Check Response

Status Code:

200 (OK)

Header:

Content-Type: application/json
Accept-Language: en-US

200 (OK)
Content-Type: application/json
 
{
    "complianceData": {
        "archiveId": "4858000025016093",
        "trafficLight": "GREEN",
        "recommendation": "All checks successful",
        "limit": 100,
        "denialReason": ""
    },
    "requestDateTime": "2021-02-08T17:43:19.027Z"
    "responseCode": "0000",
    "responseDescription": "Successful execution.",
    "additionalInformation": {
        "requestId": "aff2728481a181dc36daedc14055b516"
    }
}

The result of the risk check is summarized in the parameter “trafficLight” and can take on the following values:

Value	Explanation
“RED”	High risk.
“YELLOW”	Over credit limit.
“GREEN”	Accepted.

The parameter “denialReason” further explains the reason of the risk check result:

Value	Explanation
"BASKET_LIMIT"	The order value exceeds the allowed basket limit.
"CUSTOMER_LIMIT"	The order value exceeds the allowed customer limit (e.g. daily limit for credit card payment).
"BLACKLIST"	An entry in a black list was found for the provided customer information (see section Compliance Checks).
"VELOCITY"	Unusual high number of transactions in a short period of time.

Finally, a “recommendation” is given based on the risk check result and the reason for denial.