What checks are made by the Risk Management service?

The Risk Management service is a powerful anti-fraud tool. It runs multiple checks against all transactions that are processed through the Worldpay payments service.

Several tests use data accumulated over a period of time from the many millions of transactions that pass through our payments service. In this way, Risk Management adapts to ever changing fraud patterns. The Risk Management service is constantly updated and new checks are automatically made available.

The checks provided by the Risk Management service operate in the following areas:

• Location-based checks - these checks identify inconsistencies between any transaction data that implies a location, such as the location of the shoppers PC, the payment method they are using, and address details.

• Activity checks - these checks determine unusual purchase patterns from a shopper or a card.

• Change-related checks - these checks ascertain whether certain elements of subsequent transactions from a shopper or card are inconsistent.

• Historical checks - these checks identify if elements of data previously associated with confirmed fraud are present in a new transaction.

• Consistency checks - these checks look for elements of data which when compared to previous transactions are inconsistent.

• Accuracy checks - these checks validate certain transaction data elements against external sources.