Policies are a collection of conditions that, when met, resolve as an outcome. The collection of all policy outcomes in a segment resolves to the final guidance. Policies can be added to more than one segment. While a policy can belong to one or more segments, it must belong to the segment to be evaluated along with all other policies. After all policies for the segment have been evaluated, based on the outcome hierarchy, a guidance is then sent back to the API response.
Each event type has a defined list of values that can be provided in the policy outcome:
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Login: Block or Challenge
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New Account Opening: Block or Challenge
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Payments Fraud: Decline or Review
Policy Management allows fraud professionals to define segments and policies to meet specific business needs. Segments and policies work together to reduce friction for good customers while adding friction to potentially risky transactions.
When creating a policy, there is a chosen outcome when the conditions evaluate as true. The available outcomes are Block, Challenge, and No Change.
When No Change is chosen as the action for a policy, and that policy evaluates as true, it has no effect on the final guidance for Login and New Account Opening. Any tags that are associated with the policy will be sent along with the Login API.
This allows our customers to send information via the API when certain conditions exist, even when they do not want those guidance to affect the outcome of Login or New Account Opening.
Policies are evaluated at the time of a Login, New Account Opening, and Payments Fraud decision to create an outcome.
While a policy can belong to one or more segments, it must belong to the chosen segment to be evaluated. After all policies for the chosen segment have been evaluated, the decision is then sent back to the API requester, so that further business logic can be applied to the login experience.
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Sign in to Kount 360.
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Select Policy Management.
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Select Policies.
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Select New Policy.
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Select the Event Type.
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Enter a Policy Name.
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Enter a description.
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Select an Outcome: Block, Challenge, or No Change.
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Add tags (optional).
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Select Add Condition. You can add multiple conditions per segment.
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Search for or select a condition.
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Select Confirm.
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Configure the condition by selecting the operators. Each condition varies and requires additional input to complete the clause. Make sure you populate any additional fields that appear based on your selection.
Note
You can add multiple conditions to a group or multiple groups. The first group of conditions is prioritized when executed.
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Select Linked Segments to link or unlink segments to the policy.
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Select Manage Segments.
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Select one or multiple segments to link to the policy. You must assign a policy to multiple segments, or to no segment (in this case, the policy will never be evaluated).
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Select Okay.
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Select Save Changes.
After creating a policy, you can edit to to change the Policy Name, Description, Outcome, Tags, Policy Conditions, or Linked Segments. You cannot change the Event Type after creating the policy.
We recommend that policies are not deleted until after they have been unassigned to all segments and the results are evaluated. When a policy is deleted, it is removed from all assigned segments.
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Sign in to Kount 360.
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Select Policy Management.
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Select Policies.
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Find the policy you want to delete.
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Select Delete.
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Select Delete again.
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