The Email Verification Service supplies data to Email Insights. Email Insights is a collection of email address attributes that can be used in different configurations to assess risk with a specific email address. Since email addresses are used as a primary identity source in online transactions, evaluating the risk associated with an email address can help you stop fraud.
To implement this new service, you must:
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Remove deprecated policy conditions in your policy sets.
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Replace deprecated policy conditions (Billing Email Trustworthiness and Billing Email/Name Association [DEPRECATED]) with the new policy conditions (Billing Email Risk Score and Billing Email/Name Association).
Note
The new Billing Email/Name Association condition now includes an is partial value, enhancing its matching capability.
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Add the new Email Insights widget to your Order Details/Case Details saved layouts.
Caution
There are two Email Insights widgets. The widget flagged as Email Insights (DEPRECATED) is the previous version of Email Insights and should not be used. If you are still using this widget, you must update your policy conditions with the latest Email Verification service conditions and add the Email Insights widget to your Order Details/Case Details page. Using nonequivalent conditions for either service will produce unexpected results.
Note
Policy updates can be made after upcoming holidays (Thanksgiving, Black Friday, and Christmas) to avoid interrupting your current policy sets. If you wait to update your policy sets to the new conditions, use the Email Insights (DEPRECATED) widget in Order Details/Case Details to ensure you are seeing the correct data.
The Email Verification service uses multiple scores to evaluate risk associated with an email address:
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Billing Email Risk Score
A score between 0.1 and 99.9 indicating the risk of the billing email address, with a low score indicating a low risk and a high score indicating a high risk.
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Billing Email Legitimacy Score
A score between 0.1 and 99.9 indicating how likely the billing email is a real, non-randomly-generated or otherwise synthesized email address. A low score indicates a less legitimate email and a high score indicates a more legitimate email.
Note
Previous transaction history is not taken into account, only the contents of the email username.
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Billing Email Fraud Score
A score between 0.1 and 99.9 indicating how closely the identity is linked to historical fraudulent activity in our network. A low score indicates an email with less historical fraud indicators, and a high score indicates an email address associated with higher risk of fraud.
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Billing Email Usage Score
A score between 0.1 and 99.9 that indicates the overall activity level of the email address. A higher score indicates a more frequently and/or recently used email address.
The following Email Verification service policy conditions are available when creating policies in Policy Management:
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Email Usage Score
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Email Legitimacy Score
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Billing Email Risk Score (replaces Billing Email Trustworthiness)
Refer to the following risk level/percentile calculations to inform how you build policies using these conditions.
|
Risk Level |
Percentile |
Email Risk Score |
|
High |
Bottom 50% |
0.0-30.0 |
|
Medium |
Bottom 80% |
30.1-60.0 |
|
Low |
Top 20% |
60.1-99.9 |
|
Risk Level |
Percentile |
Email Risk Score |
|
High |
Bottom 10% |
0.0-40.0 |
|
Medium |
Bottom 20% |
40.1-80.0 |
|
Low |
Top 80% |
80.1-99.9 |
|
Risk Level |
Percentile |
Email Risk Score |
|
High |
Top 10% |
60.0-99.9 |
|
Medium |
Top 20% |
20.0-59.9 |
|
Low |
Bottom 80% |
0.1-19.9 |
When using the Billing Email Risk Score condition in place of the Billing Email Trustworthiness score, you can use the following table to compare the prior trustworthiness score to the equivalent risk score.
The following policies use the Email Verification service data to evaluate risk:
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Agent Declines
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Auth Declines
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Billing Email Age
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Billing Email/Address Association
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Chargebacks
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Distinct Bill Addresses
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Distinct Bill Names
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Distinct Billing Regions (formerly "Distinct Billing States")
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Distinct Payment Tokens
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Distinct Shipping Addresses
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Distinct Shipping Names
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Email First Seen
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Email Length
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Email Username Length
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Max Dollar Amount
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Most Common Billing Address
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Most Common Billing Country Code
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Most Common Billing Region (formerly "Most Common Billing State")
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Occurrence 30 Days
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Refunds
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Rule Declines
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Shipping Email Age
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Shipping Email Trustworthiness
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Shipping Email/Address Association
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Shipping Email/Name Association
These conditions automatically use the Email Verification Service and do not require additional configuration. To see all conditions available in Payments Fraud, refer to our conditions dictionary.
The Email Verification service replaced outdated Email Insights conditions. The following conditions do not use the Email Verification Service data and must be removed from your policy sets to produce the correct results:
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Average Cart Size
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Distinct Bins
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Distinct Days
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Distinct IP Addresses
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Distinct Months
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Distinct Years
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Mean Omniscore
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Minimum Omniscore
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Most Common Billing City
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Recurrence Score
Note
The deprecated Recurrence Score conditions can be replaced with the new Email Usage Score condition, which provides a similar assessment of email activity.
In Order Details/Case Details, you can view Email Insights data supplied by the Email Verification service and the associated fraud indicators in the Email Insights widget.
Caution
There are two Email Insights widgets. The widget flagged as Email Insights (DEPRECATED) is the previous version of Email Insights and should not be used. If you are still using this widget, you must update your policy conditions with the latest Email Verification service conditions and add the Email Insights widget to your Order Details/Case Details page. Using nonequivalent conditions for either service will produce unexpected results.
The Email Insights widget displays the following:
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Verified Domain
Indicates whether this is a familiar domain for email addresses in the network.
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First Seen by Equifax
The timestamp of the first order we have seen from this email address.
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Most Recent Prior Order
The timestamp of the latest order we have seen from this email address.
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Email Risk Score
Displays with the following values and colors depending on the collected data:
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Green/Low: 0.1-20.0
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Yellow/Medium: 20.0-59.9
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Red/High: 60.0-99.9
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Legitimacy Score
Displays with the following values and colors depending on the collected data:
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Green/Low: 80.1-99.9
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Yellow/Medium: 40.1-80.0
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Red/High: 0.1-40.0
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Fraud Score
Displays with the following values and colors depending on the collected data:
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Green/Low: 0.1-20.0
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Yellow/Medium: 20.0-59.9
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Red/High: 60.0-99.9
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Usage Score
Displays with the following values and colors depending on the collected data:
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Green/Low: 60.1-99.9
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Yellow/Medium: 30.1-60.0
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Red/High: 0.1-30.0
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