actual validation of the transaction data and are grouped into various levels.
The watch codes identify each of the fraud filters for maintenance and for
displaying the results of the fraud tests on the transaction. Each watch code
that is triggered for a transaction will be displayed on the transaction record.
The final piece of the fraud system is the watch action. A watch action is the
seller-defined procedure that the system will follow after a transaction has
triggered a watch code. During fraud maintenance, the seller is allowed to
set the watch actions on each individual watch code.
Here’s how it works. Transaction information is passed to the AssureBuy
payment gateway. The gateway will then validate the transaction information
before passing the customer credit card information on to the credit card
network. The process of validating the transaction information includes
running the transaction information through any fraud tests that have been
enabled by the seller. These fraud tests are identified by watch codes. If the
fraud tests do not trigger any watch codes, the transaction is processed
normally. If the fraud tests trigger one or more watch codes, then the watch
codes are added to the transaction. The system also checks to see if the
watch code is listed as an override filter for the current transaction. If there is
an override, and no other watch codes have been added, then the
transaction will be processed. If the transaction does not contain any
override information, the watch action processing is performed for the current
transaction. Watch action processing then determines whether the
transaction will be processed, declined or placed on hold, according the
seller’s predefined instructions. The route the transaction takes through the
fraud system is mapped out in detail below.
Watch
Action
Processing
Pass
Fraud
System
Decline
Order
Further
Verification
Fail
Watch Actions Override
Payment
Processing
Any decline actions?
An
hold actions?
Order is
rocessed.
Order
Data
Figure 3: Fraud System Diagram
AssureBuy Payment Processing Microsoft Great Plains Dynamics/eEnterprise Introduction to AssureBuy • 17
