
Using Beagle Platinum in Real-Time
To utilise Beagle, some additional information to our standard gateways must be passed to the Beagle gateway. Beagle is currently only available via an XML Gateway.
For the technical details on the Beagle XML Gateway, including field specifications and definitions, sample code and test account procedures, please use the Developer menu item for GEO-IP Anti Fraud.
In order for merchants to utilise the Beagle Anti-fraud service in real time, some additional fields are required to be passed to the eWAY gateway:
ewayCustomerIPAddress
This field is used to pass the IP Address of the customer making the purchase. This assists in detecting fraudulent beahaviour by allowing eWAY's Beagle to pinpoint the physical location of the computer that the customer is using for the transaction. This field allows Beagle to match the country related to the IP address to both the country associated with the Credit Card issuing bank, as well as the billing country as entered by the customer themselves. If these do not match, the transaction may be fraudulent.
Beagle also uses this field to search in our database of known anonymous and high risk IP's. Anonymous IP addresses are used by people to 'fake' their actual physical location, and get around Geolocational checking, such as that performed by Beagle.
Field Specification
The customers IP address is made up of 4 numbers (each up to 3 digits long), separated by decimal points. e.g. 202.58.56.1
This information can easily be retrieved by your web developer, as it is available in the Server Variables of each Web page request, which can be accessed by most programming languages.
ewayCustomerBillingCountry
This field is used to pass a 2 character country code, which relates to the billing address which was entered by the customer making the purchase. This is used be eWAY's Beagle to match against both the country related to the IP address and the country associated with the Credit Card issuing bank. If these do not match, the transaction may be fraudulent.
Field Specification
The billing country code is made up of 2 characters which correspond to a particular country.
Once you have activated Beagle, you will need to set the anti-fraud rules that best suit your own business model.
The following rules can be set by merchants to provide the level of fraud detection they need:
| Country Matching |
Block transactions where the country of the IP address does not match the billing address. |
Block/Allow |
| Australia Only Transactions |
Block transactions where the country of the card issuer or the billing address of IP Address are not Australia. |
Block/Allow |
| High Risk Country |
Block transactions where the IP address country or billing address country is in a commonly regarded high-risk country (eg. Egypt, Ghana, Indonesia, Lebanon, Macedonia, Morocco, Nigeria, Pakistan, Romania, Serbia and Montenegro, Ukraine, or Vietnam). |
Block/Allow |
| Anonymous Proxy |
Block transactions where IP address is Anonymous Proxy. Anonymous Proxies are used to attempt to bypass Geolocation controls (anonymous proxy = very high risk). |
Block/Allow |
| Transparent Proxy |
Block transactions where IP address is in our database of known transparent (high risk) proxy servers. |
Block/Allow |
| Free Email |
Block transactions where Email is from a free e-mail provider. (eg. Hotmail, Yahoo, gmail, etc) |
Block/Allow |
If a rule is set to BLOCK and a transaction breaches that rule, the transaction will be not be sent to your merchant bank for processing. As a merchant, you can also set a notification method for whenever each rule is breached. You can be notified by email and/or SMS, or not at all. This gives merchants the opportunity to contact the customer to determine if they are a bona-fide purchaser, and refund them if they feel the transaction may be risky.
The above rules can be set in the eWAY Business Centre.
Viewing Beagle Details
The following information is recorded by Beagle and can be viewed in the details of each transaction when Beagle is enabled by a merchant:
|
Geographical and IP Address Location Checks |
| Country Match | Yes or No | Whether country of IP address matches billing address country (mismatch = higher risk) |
| Country Code | Two-letter ISO-3166 code | Country Code of the IP address |
| High Risk Country | Yes or No | Whether IP address or billing address country is in Egypt, Ghana, Indonesia, Lebanon, Macedonia, Morocco, Nigeria, Pakistan, Romania, Serbia and Montenegro, Ukraine or Vietnam |
| Distance | Rounded integer | Distance from IP address to Billing Location in kilometers (large distance = higher risk) |
| IP Region | Two character string ISO-3166-2/FIPS 10-4 code | Estimated State/Region of the IP address, ISO-3166-2/FIPS 10-4 code |
| IP City | String | Estimated city of the IP address |
| IP Latitude | Degrees | Estimated latitude of the IP address |
| IP Longitude | Degrees | Estimated longitude of the IP address |
| IP ISP | String | ISP of the IP address |
| IP Organization | String | Organization of the IP address |
|
Proxy Detection |
| Anonymous Proxy | Yes or No | Whether IP address is an anonymous proxy (anonymous proxy = very high risk) |
| Proxy Score | Decimal from 0 to 10 | Likelihood of IP Address being an Open Proxy |
| Transparent Proxy | Yes or No | Whether IP address is in our database of known transparent proxy servers,
returned if forwarded IP is passed as an input |
|
E-mail Checks |
| Free Mail | Yes or No | Whether e-mail is from free e-mail provider (free e-mail = higher risk) |
| Carder Email | Yes or No | Whether e-mail is in database of high risk e-mails |
|
Issuing Bank BIN Number Checks |
| BIN Country | Two-letter ISO-3166 code | Country code of the bank which issued the credit card based on BIN number |
| BIN Name | String | Name of the bank which issued the credit card based on BIN number. Available for approximately 96% of BIN numbers |
| BIN Phone | String | Customer service phone number listed on back of credit card. Available for approximately 75% of BIN numbers |
|
Address and Phone Number Check |
| Shipping Forward Address | Yes, No, or NA | Shipping address is in database of known mail drops |
|
Beagle Platinum Scores |
| Score | Decimal from 0 to 10 | Overall fraud score based on outputs listed above. This is the original fraud score, and is based on a simple formula |
| Explanation | String | A brief explanation of the score, detailing what factors contributed to it, according to our formula |
| Risk Score | Decimal from 0 to 100 | Fraud score representing the estimated probability that the order is fraud, based from analysis of past Beagle transactions |