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 decision. 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 decision 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
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Authorized Payment Protection: Approve, 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, Decline, Review 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 decision for any of the solutions. Any tags that are associated with the policy are sent with the solution.
This allows our customers to send information using the API when certain conditions exist, even when they do not want those decisions to affect the outcome of a solution.
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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From the Decisioning tab, select an Event Type.
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Create a new set or select Edit for an existing set.
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Select Policies.
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Select New Policy.
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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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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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Add tags (optional).
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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 not be evaluated).
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Select Okay.
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Select Save Changes.
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After changes have been saved, select Actions, then Publish 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.
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Sign in to Kount 360.
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Select Policy Management.
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Find a set, then select Edit.
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Select Policies.
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Find the policy, then select Edit.
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Edit the policy, then select Save.
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After changes have been saved, select Actions, then Publish Changes.
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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Find a set, then select Edit.
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Select Policies.
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Find the policy you want to delete, then select Edit.
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Select Delete.
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Select Delete again.
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