The Parallels Business Automation - Standard anti-fraud system provides the set of pre-defined filters:
Note: The one-step transactions of the Sale type are checked with strict filters ("Capture with..."). In this case, no preliminary check with the use of "Authorization.." filters is performed.
Each filter can include a number of rules. A rule in its turn, defines both a fraud plug-in used for checking and a check result and then both an action performed and fraud points to be scored to an order in case a fraud plug-in response corresponds to a check result defined.
The table below shows the anti-fraud plug-ins usage in the anti-fraud filters:
Filter
Plug-In |
New Order Creation |
Recurring Order Creation |
Authori-zation with Unchecked Payment Method |
Capture with Unchecked Payment Method |
Authori-zation with Approved Payment Method |
Capture with Approved Payment Method |
Account Regist-ration |
Trial Order Creation |
Login Filter |
Country Black List |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
IP Black List |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Phone Black List |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Credit Card Black List |
No |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
No |
Credit Card Validation |
No |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
No |
Dummy |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Email Check |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Email Black List |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
IP Country |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Domain Name Black List |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Phone Country |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Proxy Check |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Try Count |
No |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
No |
USA Phone |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
VariLogiX |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
Yes |
No |
ZIP Check |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
FraudGuardian |
No |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
No |
Order Amount |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
Yes |
No |
Trial Count |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
Yes |
No |
IP City |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
VAT Number |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Note: A set of plug-ins offered for a rule in the frame of a particular filter differs from filter to filter. This is connected with a filter designation. For example, for a Login filter the ProxyCheck, Dummy and both domain name and IP black lists are offered, because the Login filter checks a customer host and some other data. The Account Registration filter checks the data required for an account registration, i.e., a customer e-mail, phone, and country, so for this filter you can create rules that use Black Email, Black Phone, and Phone/Country fraud plug-ins.
Thus, each rule in a filter contributes to a total fraud score assigned to an order being checked. An order score then is being compared with a filter threshold score, which can be set both as a default value for all filters or adjusted specially for each filter. If an order fraud score exceeds a filter threshold, such an order will be placed into the Documents for Approval queue in Commerce Director - Online Payments - Documents.
Depending on a check condition, fraud points can be either scored to an order or taken from an order. For example, if a check condition is "Customer E-mail is not found in Email Black List", then if this is actually so, an order will be taken fraud points off, which will decrease a total fraud score and may let an order pass a fraud filter.
Each rule in a filter can be enabled or disabled and each filter can be activated or de-activated separately.
To set up a fraud filter and start using it: