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

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

(1) Connecting party initiates HTTPS POST request to the /api/mfo/scoring.

(2) SBC 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

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

(1) Connecting Party initiates card scoring form via HTTPS POST request to the /api/mfo/v2/scoring-form.
(2) SBC 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 SBC.
(5) SBC processes card scoring request.
(7) Connecting Party requests /api/mfo/v2/scoring-result/ and gets response with card scoring information.