Scoring Engine
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Scoring Engine
Scoring Engine is a powerful tool that enables you to define custom rules for scoring transactions. It is composed of several rule types, including IP Rules, Customer Rules, Phone Rules, Email Rules, Bin Rules, and Transaction Rules. Rules can be combined with logical operators to create complex rules.
The Scoring Engine works by allowing you to define a set of rules that are evaluated for each transaction. Each rule has a set of conditions that are evaluated, and if all conditions are true, the rule is triggered. The triggered rule can then perform an action, such as setting a score, setting a state (Approve, Reject, Review), or adding a value to a list.
Configuring the Scoring Engine
The Scoring Engine is configured by defining a set of rules. Each rule has a name, a type, and a set of conditions.
Rule Types
The following rule types are available:
| Rule Type | Description |
|---|---|
| IP Rule | Evaluates the IP address of the transaction. |
| Customer Rule | Evaluates the customer information associated with the transaction. |
| Phone Rule | Evaluates the phone number associated with the transaction. |
| Email Rule | Evaluates the email address associated with the transaction. |
| Bin Rule | Evaluates the BIN (bank identification number) of the card associated with the transaction. |
| Transaction Rule | Evaluates the transaction information, such as the amount or currency. |
Conditions
Each rule can have multiple conditions. Conditions are evaluated using logical operators. The following logical operators are available:
| Operator | Description |
|---|---|
| AND | Evaluates to true if all conditions are true. |
| OR | Evaluates to true if any condition is true. |
| NOT | Evaluates to true if the condition is false. |
Actions
If a rule is triggered, the action associated with the rule is performed. The following actions are available:
| Action | Description |
|---|---|
| Set Score | Sets the score of the transaction to a specified value. |
| Set State | Sets the state of the transaction to a specified value (Approve, Reject, Review). |
| Add to List | Adds a value to a list associated with the transaction. |
Examples
The following example shows a rule that sets the score to 10 if the IP address of the transaction is from the United States and the transaction amount is greater than $100:
| Rule Name | Rule Type | Conditions | Action |
|---|---|---|---|
| US High Amount | IP Rule | IP Address is from United States AND Amount > 100 | Set Score to 10 |
The following example shows a rule that sets the state to Review if the customer's email address is not verified and the transaction amount is greater than $50:
| Rule Name | Rule Type | Conditions | Action |
|---|---|---|---|
| Unverified Email | Email Rule | Email Address is not verified AND Amount > 50 | Set State to Review |
The following example shows a rule that sets the score to 20 if the IP address of the transaction is not from the United States and the transaction amount is greater than $100 and the customer's phone number is not verified and the email address is not verified and the BIN is not from Visa:
| Rule Name | Rule Type | Conditions | Action |
|---|---|---|---|
| High Amount and Unverified Information | IP Rule | IP Address is not from United States AND Amount > 100 AND Phone Number is not verified AND Email Address is not verified AND BIN is not Visa | Set Score to 20 |