欺诈评估

POST 您的请求到 fraudsight:assess 操作链接。

评估示例请求

POST https://try.access.worldpay.com/fraudsight/assessment

风险评估请求正文：

Copied!

{
  "transactionReference": "Memory265-13/08/1876",
  "merchant": {
      "entity": "MindPalaceLtd"
  },
  "instruction": {
    "paymentInstrument": {
      "type": "card/front",
      "cardHolderName": "Sherlock Holmes",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 5,
        "year": 2035
      },
      "billingAddress": {
          "address1": "221B Baker Street",
          "address2": "Marylebone",
          "address3": "Westminster",
          "postalCode": "NW1 6XE",
          "city": "London",
          "state": "Greater London",
          "countryCode": "GB"
      }
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    }
  },
  "deviceData": {
    "collectionReference": "0_4XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXX8G6",
    "ipAddress": "192.0.0.0"
  },
  "riskData": {
    "account": {
      "email": "sherlock.holmes@example.com",
      "dateOfBirth": "1854-01-06",
      "shopperId": "id123"
    },
    "transaction": {
      "firstName": "Sherlock",
      "lastName": "Holmes",
      "phoneNumber": "02031234321"
    },
    "shipping": {
      "firstName": "James",
      "lastName": "Moriarty",
      "address": {
        "address1": "The Palatine Centre",
        "address2": "Durham University",
        "address3": "Stockton Road",
        "postalCode": "DH1 3LE",
        "city": "Durham",
        "state": "County Durham",
        "countryCode": "GB",
        "phoneNumber": "01911234321"
      }
    },
    "custom": {
      "number1": 1,
      "number2": 2,
      "number3": 3,
      "number4": 4,
      "number5": 5,
      "number6": 6,
      "number7": 7,
      "number8": 8,
      "number9": 9,
      "string1": "text1",
      "string2": "text2",
      "string3": "text3",
      "string4": "text4",
      "string5": "text5",
      "string6": "text6",
      "string7": "text7",
      "string8": "text8",
      "string9": "text9"
    }
  }
}

{
  "transactionReference": "Memory265-13/08/1876",
  "merchant": {
      "entity": "MindPalaceLtd"
  },
  "instruction": {
    "paymentInstrument": {
      "type": "card/tokenized",
      "href": "https://try.access.worldpay.com/tokens/MTIzNDU2Nzg5MDEyMzQ1Ng"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    }
  },
  "deviceData": {
    "collectionReference": "0_4XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXX8G6",
    "ipAddress": "192.0.0.0"
  },
  "riskData": {
    "account": {
      "email": "sherlock.holmes@example.com",
      "dateOfBirth": "1854-01-06",
      "shopperId": "id123"
    },
    "transaction": {
      "firstName": "Sherlock",
      "lastName": "Holmes",
      "phoneNumber": "02031234321"
    },
    "shipping": {
      "firstName": "James",
      "lastName": "Moriarty",
      "address": {
        "address1": "The Palatine Centre",
        "address2": "Durham University",
        "address3": "Stockton Road",
        "postalCode": "DH1 3LE",
        "city": "Durham",
        "state": "County Durham",
        "countryCode": "GB",
        "phoneNumber": "01911234321"
      }
    },
    "custom": {
      "number1": 1,
      "number2": 2,
      "number3": 3,
      "number4": 4,
      "number5": 5,
      "number6": 6,
      "number7": 7,
      "number8": 8,
      "number9": 9,
      "string1": "text1",
      "string2": "text2",
      "string3": "text3",
      "string4": "text4",
      "string5": "text5",
      "string6": "text6",
      "string7": "text7",
      "string8": "text8",
      "string9": "text9"
    }
  }
}

{
  "transactionReference": "Memory265-13/08/1876",
  "merchant": {
      "entity": "MindPalaceLtd"
  },
  "requestExemption": true,
  "instruction": {
    "paymentInstrument": {
      "type": "card/front",
      "cardHolderName": "Sherlock Holmes",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 5,
        "year": 2035
      },
      "billingAddress": {
          "address1": "221B Baker Street",
          "address2": "Marylebone",
          "address3": "Westminster",
          "postalCode": "NW1 6XE",
          "city": "London",
          "state": "Greater London",
          "countryCode": "GB"
      }
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    }
  },
  "deviceData": {
    "collectionReference": "0_4XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXX8G6",
    "ipAddress": "192.0.0.0"
  },
  "riskData": {
    "account": {
      "email": "sherlock.holmes@example.com",
      "dateOfBirth": "1990-09-09",
      "shopperId": "id123"
    },
    "transaction": {
      "firstName": "Sherlock",
      "lastName": "Holmes",
      "phoneNumber": "00000000000000"
    },
    "shipping": {
      "firstName": "James",
      "lastName": "Moriarty",
      "address": {
        "address1": "The Palatine Centre",
        "address2": "Durham University",
        "address3": "Stockton Road",
        "postalCode": "DH1 3LE",
        "city": "Durham",
        "state": "County Durham",
        "countryCode": "GB",
        "phoneNumber": "01911234321"
      }
    },
    "custom": {
      "number1": 1,
      "number2": 2,
      "number3": 3,
      "number4": 4,
      "number5": 5,
      "number6": 6,
      "number7": 7,
      "number8": 8,
      "number9": 9,
      "string1": "text1",
      "string2": "text2",
      "string3": "text3",
      "string4": "text4",
      "string5": "text5",
      "string6": "text6",
      "string7": "text7",
      "string8": "text8",
      "string9": "text9"
    }
  }
}

参数	必需	描述
`transactionReference`		评估参考号。例如，电子商务订单代码。
`merchant.entity`		作为加入流程的一部分而创建，用于在 Access Worldpay 中发送评估请求。
`requestExemption`		作为同一个请求的一部分请求SCA 豁免。 `true` `false`
`instruction`		包含与评估相关的所有支付信息的对象。
`instruction.paymentInstrument`		包含卡详情或 Token 位置的对象。
`paymentInstrument.type`		所使用的 `paymentInstrument` 的识别码。 `type`：`card/front` 请参见上述评估]（卡） `type`： `card/tokenized` 请参见上述评估 (token)
`paymentInstrument.billingAddress`		包含账单邮寄地址信息的对象。如果已包括，则您必须至少要发送： `address1` `city` `countryCode` `postalCode`
`instruction.value`		包含有关订单值信息的对象。
`value.currency`		三位数货币代码。请参见支持的货币列表。
`value.amount`		订单金额。这是一个包含小数位的整数，e.g.，如果小数位是二，则 250 就表示 2.50.您可以在我们的货币表中查找相关小数位。在应用 `riskProfile` 时，评估请求中使用的金额与 Access Payments 请求中的支付金额必须相符。
`deviceData.collectionReference`		利用 Threatmatrix设备数据收集中指定的 sessionId 将此数据链接到评估。注释：如果没有提供值，则仍会执行评估，但不会受益于其他的风险分析或基于该值的任何手动规则（e.g.地点）。

评估请求中的附加字段

如果您有这些数据，我们建议您提供，因为它可以提高欺诈评估的准确性。

共有四个 riskData 对象可供您纳入请求中。

其他账户 riskData 参数的描述：

参数	必需	描述
`account`		包含所有客户账户相关风险数据的对象。
`account.email`		客户的电邮地址。
`account.dateOfBirth`		客户的出生日期。

其他交易 riskData 参数的描述：

参数	必需	描述
`transaction`		包含所有客户交易相关风险数据的对象。
`transaction.firstName`		客户的名字。
`transaction.lastName`		客户的姓氏。
`transaction.phoneNumber`		客户的电话号码。

其他运输 riskData 参数的描述：

参数	必需	描述
`shipping`		包含与订单发货方式相关的所有数据的对象。
`shipping.firstName`		收货地址上使用的名字
`shipping.lastName`		收货地址上使用的姓氏
`shipping.address`		包含收货地址信息的对象。如果已包括，则您必须至少要发送： `address1` `city` `countryCode` `postalCode`

特定于您订单的附加值，可用于创建手动欺诈规则。

参数	必需	描述
`custom`		包含可用于配置手动欺诈规则的所有数据的对象
`custom.string1-9`		用于配置手动欺诈规则的自定义字符串值的 9 个可用位置
`custom.number1-9`		用于配置手动欺诈规则的自定义数值的 9 个可用位置

评估响应

最佳实践：Access Worldpay 在服务响应的头文件中返回WP-CorrelationId。我们强烈建议您将此记录下来。我们使用WP-CorrelationId检查单个服务请求。

该响应包含您的 assessment 请求的结果。

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{
  "outcome": "lowRisk",
  "transactionReference": "123456",
  "score": 44.2,
  "riskProfile": {
    "href": "https://access.worldpay.com/riskprofile/eyJrIjoxLCJkIjoialRBL0FFelBzcnZ"
  }
}

{
  "outcome": "highRisk",
  "transactionReference": "123456",
  "reason": [
    "Recent unexpected card activity"
  ],
  "score": 97.4,
  "riskProfile": {
    "href": "https://access.worldpay.com/riskprofile/eyJrIjoxLCJkIjoialRBL0FFelBzcnZ"
  }
}

{
  "outcome": "review",
  "transactionReference": "123456",
  "reason": [
    "Recent unexpected card activity"
  ],
  "score": 85.5,
  "riskProfile": {
    "href": "https://access.worldpay.com/riskprofile/eyJrIjoxLCJkIjoialRBL0FFelBzcnZ"
  }
}

{
  "outcome": "lowRisk",
  "transactionReference": "123456",
  "score": 44.2,
  "exemption": {
    "placement": "authorization",
    "type": "lowValue"
  },
  "riskProfile": {
    "href": "https://access.worldpay.com/riskprofile/eyJrIjoxLCJkIjoialRBL0FFelBzcnZ"
  }
}

{
  "outcome": "highRisk",
  "transactionReference": "123456",
  "reason": [
    "Recent unexpected card activity"
  ],
  "score": 97.4,
  "exemption": {
    "placement": "authorization",
    "type": "lowValue"
  },
  "riskProfile": {
    "href": "https://access.worldpay.com/riskprofile/eyJrIjoxLCJkIjoialRBL0FFelBzcnZ"
  }
}

{
  "outcome": "review",
  "transactionReference": "123456",
  "reason": [
    "Recent unexpected card activity"
  ],
  "score": 85.5,
  "exemption": {
    "placement": "authorization",
    "type": "lowValue"
  },
  "riskProfile": {
    "href": "https://access.worldpay.com/riskprofile/eyJrIjoxLCJkIjoialRBL0FFelBzcnZ"
  }
}

注释：该 outcome 始终特定于欺诈评估。如果提供了豁免，则 exemption.type 和 exemption.placement 就会包括在响应中。

参数	描述
`outcome`	FraudSight 的建议： `lowRisk`- 继续支付 `highRisk` - 不得继续 `review` - 要求手动评审若要了解有关 `outcomes` 和如何复制它们的更多信息，请参见FraudSight 测试。
`reason`	结果的原因简短描述：最近的意外卡活动不熟悉的卡通常与欺诈联系在一起的卡类型商户异常交易持卡人输入的信息异常高风险电邮异常卡行为任何“结果”都会返回原因，即使是 lowRisk。
`score`	交易的百分比评估分数。值越大，评估的风险就越大。`outcome` 值根据用该分数配置的阈值来计算得出。
`exemption.placement`	`authorization` - 对支付授权应用豁免 `authentication` - 对 3DS 身份验证应用豁免注释：目前只有放置“授权”会被配置为暂时返回，直到 Access 3DS 支持豁免放置为止
`exemption.type`	要应用的豁免类型 `lowRisk` - 应用低风险豁免 `lowValue` - 应用低价值豁免
`riskProfile.href`	您可以在支付授权请求中使用的资源，该请求显示了欺诈评估和豁免结果。用于：应用豁免（如已提供）更新日期模型，以便使未来评估更准确

链接 FraudSight 评估

若要改进未来的风险评估，我们需要知道支付授权的结果。

如果使用Access Payments，则应用提供给支付授权请求的 riskProfile。

如果使用另一个支付提供商，则使用FraudSight 更新资源（即将推出）。

后续步骤

FraudSight 测试

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