5.7. Card Scoring

Card Scoring

Card scoring is the additional security check of Customer’s (Payer or Receiver) bank card which helps to prevent fraud and assess potential risks. Direct Card Scoring Flow contains card number, card mask (first 6 and last 4 digits) or card token (Card Reference ID) in initial API request.

Card Scoring Flow

@startuml
autonumber
participant "Connecting Party"
participant "Payneteasy"
"Connecting Party" -> "Payneteasy":Card scoring order request\n/api/mfo/scoring
activate "Payneteasy"
"Payneteasy" --> "Connecting Party":Card scoring response
deactivate "Payneteasy"
@enduml

(1) Connecting party initiates HTTPS POST request to the /api/mfo/scoring.
(2) Payneteasy system returns response with card scoring response data set.

Card Scoring Form

Card scoring is the additional security check of Customer’s (Payer or Receiver) bank card which helps to prevent fraud and assess potential risks. Card Scoring Form Flow allows to get HTML form to redirect Customer for card scoring procedure. Card scoring form accepts the card number which will be scored and then redirects Customer back to Connecting Party.

Card Scoring Form Flow

@startuml
autonumber
participant "Connecting Party" as party
participant "Payneteasy" as company
party -> company:Card scoring form request\n/api/mfo/v2/scoring-form
activate company
company --> party:Response with card scoring form URL for customer redirect
party -> party
note right: Redirect customer to Card scoring form
party -> company:Customer submits card scoring form to "Payneteasy"
company -> company
note left: Perform card scoring
company -> party:Redirect customer back
deactivate company
party -> company:Card scoring results request
activate company
company --> party:Card scoring results response
deactivate company
@enduml

(1) Connecting Party initiates card scoring form via HTTPS POST request to the /api/mfo/v2/scoring-form.
(2) Payneteasy system responds with card scoring form URL for customer redirect where customer must be redirected to input card information for card scoring request.
(3) Connecting Party redirects the customer to provided card scoring form URL.
(4) Customer fills the card scoring form and submits it for card scoring to Payneteasy.
(5) Payneteasy processes card scoring request.
(7) Connecting Party requests /api/mfo/v2/scoring-result/ and gets response with card scoring information.