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The SOFI returns to the external system the payment status and the reasons for the status determination as a result of checking. All possible fraud-statuses of the payment are presented in the table below.
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Payment fraud-statuses, which SOFI determines
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All possible reasons for the fraud-status determination are presented in the table below.
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Reasons for the fraud-status determination
Name | Code | Description |
Math model | 1 | Fraud-status was determined by the mathematical modeling methods. |
Insufficient data | 2 | Corresponds to the 'clear' fraud-status but no checks were performed by mathematical modeling methods as insufficient data were provided for the payment. |
Not validate | 3 | Corresponds to the 'clear' fraud-status but no checks were performed. |
Expert | 4 | Fraud-status was determined by expert. |
Payment is in black list |
7 | Fraud-status determined according to black list of payment attributes. | |
Payment is in trust white list |
8 | Fraud-status determined according to trust white-list of payment attributes. | |
Payment is out of allowing white list |
9 | Fraud-status determined according to allowing white list, when payment attributes are out of that list. | |
Blocked card | 10 | Fraud-status was determined by corresponding to the filter on card number. |
Blocked e-mail | 11 | Fraud-status was determined by corresponding to the filter on E-mail. |
Blocked unique payer identity | 12 | Fraud-status was determined by corresponding to the filter on unique payer identity values under application/service of external system. |
Blocked customer country | 14 | Fraud-status was determined by corresponding to the filter on customer country (country is determined by customer IP-address). |
Blocked bank county | 15 | Fraud-status was determined by corresponding to the filter on issuer-bank country. |
Blocked IP | 16 | Fraud-status was determined by corresponding to the filter on IP-address. |
Trust card | 17 | Corresponds to the 'Clear' fraud-status due to the card belonging to list of trusted cards. |
Trust IP | 18 | Corresponds to the 'Clear' fraud-status due to the IP belonging to list of trusted IP-address. |
Fraud chain | 13 | Corresponds to the 'Suspicious' fraud-status. This payment was successfully checked by mathematical methods and passed all filters but some characteristics of payment look like payments that were considered as fraudulent. |
Fraud-list from bank | 20 | Payment is considered as fraudulent due to fraud-lists from bank. |
Blocked phone | 19 | Fraud-status was determined by corresponding to the filter on customer phone number. |
Limit restrictions | 21 | Fraud-status is set in accordance with the limit (based on aggregated payments for a certain period) for the merchant, external system or the payment application. |
1 these reasons can be specified when there is not more specific reason for the fraud-status determination, for example, blocked card. | ||||||||
After receiving the fraud-status from SOFI the external system should make a decision to block or to proceed the payment further. The result of payment processing within the external system is provided to SOFI as a payment status. All possible payment statuses are listed in the table below.
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Payment statuses to be provided to SOFI
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Scenario for interaction between SOFI and external system is shown on the picture below.
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Scenario for interaction between SOFI and external system