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Fraud Score Module


alinford

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When we created our custom billing system, we built our own Fraud Score system that applies negative and positive points based on the order.

 

We have the option of blocking IP's and Countries base on the Country code drop down list when people sign up for services.

 

We can also put a threshold on the total $ amount or if they attempt to register a domain for more than a certain number of years.

 

We also have the option of putting any specific product or service in the review queue. There are some products that are rarely ordered, and instead of going through the hassle of deleting a bad order, we always review them manually.

 

Below is an example of the Fraud score rules we have. We can update each of the scores and also update the score threshold, above which an order is placed in the manual fraud check queue for review.

 

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Negative Effects: (Adds to FraudScore)

10 User newer then 90 days

10 Cart Amount greater than $30

30 Cart Amount greater than $100

50 Cart Amount greater than $500

10 Contact Name Doesn't Match Creditcard Name

30 AVS value of N: No Match on Address (Street) or ZIP

20 AVS value of G: Non-U.S. Card Issuing Bank

10 AVS value of U: Address information is unavailable

20 CVV2 value of N: No Match

10 No CVV2 information provided

50 User Country Doesn't match Creditcard country

50 Credit Cards from different States/Countries

10 Account uses free email address

20 Failed Creditcard in last 30 days

50 User Newer then 30 days and Used Multiple Creditcards

10 User from Medium Risk country

80 User from High Risk country

100 User coming through a Proxy Server

50 User marked for Careful Watch

 

Positive Effects: (Lowers FraudScore)

-75 User has purchased products over 90 days ago

-100 User has purchased products over 180 days ago

-75 Credit Card was used in purchase over 90 days ago

-100 Credit Card was used in purchase over 180 days ago

-25 Good AVS and CVV2

-200 User marked as Trusted

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So, the question is, would there be any way for us to create this as a module?

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