AlgoZone Fraud Screen v1.0 User Guide

www.AlgoZone.com

 
Configuring AFS

AFS provides a convenient way to manage your AFS account online. By clicking on the Fraud Screen Service link on the configuration menu, you can modify the following AFS settings:

Enable Fraud Screen Service turn AFS on or off thru this option.
License Key this is where you save the license key that you get from AlgoZone when you sign up for this service.
Use Secure Connection set this item to true, if you would like your site to retrieve AFS data from AlgoZone using a secure connection(HTTPS). To use secure connection, you must have SSL and curl installed on your website.
Requests Remaining displays how many more queries remain on your account.
Debug turns debugging on or off when you use AFS.

AFS Main Screen

The AlgoZone Fraud Screen main page can be found within the osCommerce Order page.



Checking the Order's Risk Level

The upper left-hand corner of the AFS Main screen gives a quick summary of the risk level of the current order. In this section, AFS informs you of the level of risk in 3 ways:

(1) Fraud score - the higher the number the more likely that the current order is fraud. It values range for 0 to 10.
(2) Bar graph - the red section shows the level of risk. The more red you see, the riskier it is.
(3) Text Description of the level of risk.

For orders that are suspect of fraud, we recommend that you request further information from your customers to verify the order.

Viewing the Risk details

The following fields are used to evaluate the fraud level of the current order. A short description and how to use them are provided.

Country Code shows the Country Code where the IP address is located
Country Match tells you whether the country where the IP address is located matches country of the billing address. If it is not a match, there is a risk that this order is fraud.
City shows Estimated City where the IP address is located
Region Estimated Region of the IP address, ISO-3166-2/FIPS 10-4 code
High Risk Country Tells you whether the IP address or billing address is located in a high risk country. High risk countries include Belarus, Colombia, Egypt, Indonesia, Lebanon, Macedonia, Malaysia, Nigeria, Pakistan, Ukraine and Yugoslavia
Distance(mi/km) shows the distance from IP address to Billing Location in miles/kilometers. The larger the distance, the higher risk
Free Email Tells you whether the e-mail provided by your customer is from free e-mail provider. If the a free e-mail account was provided, there is a higher risk of fraud.
Phone Match displays whether the customer phone number provided is in the billing location. A return value of Yes provides a positive indication that the phone number listed belongs to the cardholder. Currently we only support US Phone numbers, in the future we may support other countries
IP Address shows the IP address of the customer. For US addresses, the ip address links to a free map estimating where the customer is located.
ISP Displays the Internet Service Provider of the IP address.
ISP Org displays Organization of the IP address
Anonymous Proxy shows whether the IP address is an anonymous proxy. If the IP address is an anonymous proxy, this order has a very high risk of fraud.
Proxy Level tells the likelihood that the IP Address is an Open Proxy
Spam Level informs you the likelihood that the IP Address is known as being a spam source
Latitude shows the estimated latitude where the IP address is located. Using the longitude and latitude, you can use mapping tools to approximate the location of your customer
Longitude show you the estimated longitude where the IP address is located. Using the longitude and latitude, you can use mapping tools to approximate the location of your customer


Verifying Credit Card Bank Information

For additional verification, you can run a check against the AFS database to see whether the customer has physical possession of the card. If your customer owns the credit card used in this order, he/she can provide you with the issuing bank's name and customer service phone number which we can check against.

To run this service, do the following :

(1) ask the customer for the bank name and customer service phone, as seen on the credit card.
(2) Type in the collected information on the input boxes provided.
(3) click on the verify bank info button.

When the page refreshes, look at the fields described below and re-evaluate this order for fraud:

Bin Match tells you whether country of issuing bank based on BIN number matches billing address country
Bank Name Match tells you whether the name of issuing bank matches inputed bank name. A return value of Yes provides a positive indication that cardholder is in possession of credit card.
Bank Phone Match tells you whether customer service phone number matches inputed bank phone. A return value of Yes provides a positive indication that cardholder is in possession of credit card.
Bank Country shows the country code of the bank which issued the credit card based on BIN number
Bank Name displays the key entered bank name as seen on the credit card.
Bank Phone The key entered bank phone number as seen on the back of the credit card.


April 15, 2005 Copyright AlgoZone, Inc