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Fraud prevention service (ReD Shield)
Fraud prevention service (ReD Shield)
▼ What is fraud prevention service (ReD Shield)?
A security service Actual in preventing fraudulent transactions around the world. By introducing it, it is possible to identify suspicious transactions by carefully examining the "user information" and "order details" held by the member store for the payment
This Optional Services provided so that you can use Credit card payment
Benefits of fraud prevention service (ReD Shield)
- ・ By referring to the judgment result, it contributes to the reduction of chargeback
- -The operational load of fraud countermeasures will be reduced by systematization.
- PG Multi-Payment Service, the introduction cost such as development burden can be reduced and it can be easily introduced.
Service operation flow
Judge card transactions in real time.
We will reply with ACCEPT / CHALLENGE / DENY according to the allowable risk.
… Purchase information, fraudulent examination execution, judgment result notification
- Purchase
- Card payment execution (EntryTran, ExecTran)
- Execution of fraud examination (ExecFraudScreening)
* Specify the transaction information of ② - Send by linking card information to customer information
- Reply judgment result ACCEPT / CHALLENGE / DENY
- Reply judgment result ACCEPT / CHALLENGE / DENY
- Judgment of product shipment based on the judgment result
[Operation example]
ACCEPT → Transaction OK
CHALLENGE → After investigating, make a transaction execution decision
DENY → Trading NG
Fraud prevention mechanism
Based on 6 types of user information, card transactions are examined in real time (Accept / Challenge / Deny is judged) by filtering with 5 levels of rule layers.
Plan overview
PG Multi-Payment Service, you can choose from two plans: Basic, which can be easily used by more member stores, and Enhanced, which is a high-end model specialized for specific member stores.
| Basic | Enhanced | ||
|---|---|---|---|
| Target member stores | ・ chargeback ratio is on the rise ・ fraud increases rapidly |
・ chargeback ratio exceeds 1% ・ Already implemented fraud countermeasure operation in-house |
|
| Plan overview | Judgment result return | API | API |
| Fraud judgment rule | Common (best practice) rules | Unique (custom) rules for each shop | |
| Management screen provided (*) | Nothing | Yes | |
| Points to note | You can expect to get some results immediately after the introduction, but you cannot individually tune the fraud judgment rules or disclose the fraud judgment rules. | It is possible to tune the fraud judgment rules individually, but it takes about half a year to obtain highly accurate judgment results. | |
* Costs will be incurred for each contract
Important point
- ・ It is not a service that guarantees 100% prevention of fraudulent transactions.
- ・ The use of this service is limited to Credit card payment contract PG Multi-Payment Service
Reference) Example of fraud judgment rule
1. About global rules
- ・ High-risk country (card issuing country / billing country / destination country / access source)
- ・ High-risk email domain
- ・ High-risk ISP
- ・ Various blacklists (email address / phone number / device / address / card, etc.)
2. About common rules
■ Product sales
Since product sales can be checked before shipping the product, in principle it will be judged as a Challenge.
- ・ Use of overseas issued cards
- ・ Use multiple card names for the same card number
- ・ The same card number can be used for multiple emails
- - a large number of card use or from the same device authorization authentication
- ・ Send from the same email address to multiple addresses
- ・ The same email address can be used on many devices, multiple user IDs, and multiple names.
- ・ Use multiple expiration dates with the same card number
- ・ Multiple orders from the same phone number
- ・ Use by multiple email addresses and user IDs from the same device
- ・ Access from devices other than Japanese environment
- ・ Use multiple IP addresses from the same email address
- ・ Orders that include high-risk products (pre-registration is required for Enhanced users only)
- ・ Use of transfer company
- ・ The billing country, access source country, and card issuing country do not match (*)
- ・ Multiple shipping countries for the same card, same device, and same email address (*)
- ・ The shipping destination country, billing destination country, card issuing country and access source country do not match (*)
-
* For overseas shipping member stores
■ Other than product sales
Since digital content sales, etc. require immediate judgment, in principle Deny judgment will be made.
- ・ The same card number can be used for multiple emails and multiple devices.
- ・ The same email address can be used on many devices, multiple user IDs, and multiple names.
- ・ Use multiple expiration dates with the same card number
- ・ Send from the same email address to multiple addresses
- - a large number of card use or from the same device authorization authentication
- ・ Multiple orders from the same phone number
- ・ Use by multiple email addresses and user IDs from the same device
- ・ Use multiple card names for the same card number
- ・ Multiple billing addresses from the same phone number
3. About industry rules
- ・ Order multiple times from the same card number
- ・ Exceeds the total amount for single or multiple orders from the same card number
- ・ Order multiple times from the same email address
- ・ Exceeds the total amount for single or multiple orders from the same user ID
- ・ Exceeding the total amount for single or multiple orders from the same email address
- ・ Exceeds the total amount for single or multiple orders from the same device
Reference) Fraud prevention effect
We aim to reduce operations by narrowing down the CHALLENGE judgment results (targets for fraud investigation) with higher accuracy than the industry standard value.
(*) Reference value published in the fraud countermeasure event "Merchant Risk Council 2014" held in the United States
Reference) ReD Shield case study
Industry
- Airlines international flights
- fashion brand
- Major department store
- Major online content company
- overseas payment company
Number of installations
- number of merchants: Thousands
- payment companies: 30 or more
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- PG Multi-Payment Service
- Security solution
- Fraud prevention service (ReD Shield)
This service is applicable when the introduced EC site is operated by a corporation.
If the introductory EC site is operated by an individual, please check here.