Concepts

SUBUNO RULES ENGINE

Subuno Rules Engine screens your orders and put them into actionable “accept”, “reject”, and “review” buckets. When a new order is submitted by Subuno, it is checked against the rules that you have in your account. An action flag is assigned.

RULES

Each Subuno account has its own customized set of rules. They determine how your orders are processed and screened by Subuno. Simple & complex rules can be easily created. You can also create positive or negative rules. Positive rules can be used to filter out transaction patterns that have been historically low risk for your store (e.g. If the AVS is Y,  the billing and shipping are the same, and it is a low risk product). Negative rules, similar to a negative list, can be used to filter out high risk patterns (e.g. If the shipping is going to Nigeria).

Rules can be made easily through using drop down menus. Simply enter your business requirements as rules, and Subuno Rules Engine translates them into fraud prevention processes.

Our risk team can review/analyze and recommend rules for you based on past fraudulent transactions.

RULES PRIORITY

Rules are organized and put into groups. The priority number of the group determines the order in which your rules get checked, with lower numbers having higher priority. This allows you to stagger your rules and checks so that you can save money by not having to call out to third party services for all your transactions.

ACTION FLAG

There are three action flags: ACCEPT, REJECT and MANUAL REVIEW. Each rule has one action flag, regardless of whether it has one or more conditions (multi-conditional) or one or or more values (multi-value) in the rule.

Orders flagged for “MANUAL REVIEW” will be placed in your Review Queue for your further review and analysis.

Depending on your setup, your e-commerce store may be notified by Subuno of the result of the screening. In addition, you may decide to be notified by email.

ACTION PRIORITY

In the event that many rules, each with a different action flag, are triggered by a single order, Subuno looks to your action priority setting (in your system settings) to determine what action flag to assign to the order.

DEFAULT ACTION

In the event that your transaction does not trigger any pre-set rules during screening, the transaction will be assigned the default action. You can choose what your default action is in your system settings page.

THIRD PARTY SERVICES

To help merchants further reduce their risks, Subuno has partnered with third party data service providers to provide additional data analytics. Subuno rules can be built with these data analytics to be run automatically. Third party services may also be used manually during manual review.

The fees incurred for third party services is based on your actual usage (i.e. number of queries you make), and is not included in the monthly Subuno subscription fees.

AUTOMATIC PROCESSING

When automatic processing is turned on for a third party service, this means that Subuno will automatically make a query to the third party service when running through and checking the transactions against the rules. This only happens if you have a rule set up using the particular service.

If you have the services turned on for automatic processing, but does not have a corresponding rule using that service in your rules, Subuno will not make the query.

MANUAL PROCESSING

When a third party service is turned on for manual processing, a box will appear in your manual review page containing a button. If you wish to get additional data analytics during your manual review from a particular third party service, you may click on the button to manually query the third party service.