Consumer Insights Reason Codes

Fraud Score Code

Fraud Score Code Description

FS01

The consumer is high risk for charging back online transactions.

FS02

The consumer is medium risk for charging back online transactions.

FS03

The consumer is high risk for refunding online transactions.

FS04

The consumer is medium risk for refunding online transactions.

FS05

The consumer is high risk for being declined by a fraud agent following review of their online transactions.

FS06

The consumer is medium risk for being declined by a fraud agent following review of their online transactions.

FS07

The consumer is high risk for being declined due to merchant policies in online transactions.

FS08

The consumer is medium risk for being declined due to merchant policies in online transactions.

FS09

The consumer is high risk for being declined by the bank in online transactions.

FS10

The consumer is medium risk for being declined by the bank in online transactions.

FS11

The consumer has a large number of transactions that score as high risk.

Legitimacy Score Code

Legitimacy Score Code Description

LS01

The length of the email username is not within the normal length range.

LS02

The email domain is not found in the verified email domain list.

LS03

The character sequence of the email username is not within normal expectations.

LS04

The composition of characters within the email username is not within normal expectations.

LS05

The proportion of characters from single rows of a standard QWERTY keyboard is not within normal expectations.

Structure Score Code

Structure Score Code Description

SS01

The number of distinct identity keys—such as a phone number or email address—associated with this consumer is more than a typical consumer.

SS02

The number of transactions a month associated with this consumer is more than a typical consumer.

SS03

The number of identity key types—such as a phone number or email address—associated with this consumer is less than the required number.

SS04

There is limited transaction data for this consumer.

Usage Score Code

Usage Score Code Description

US01

The consumer identity age is less than the set age.

US02

The consumer has not been active for a set amount of time.

US03

The consumer is unlikely to be active again.

US04

The consumer exhibits inconsistent usage behavior.

US05

The consumer has not been frequently active.