Authorization Rule Example

Rule Narrative

If the transaction type is an authorization and the merchant category code (mcc) is 5310, 5311, 5331, 5732, or 5733, the score is higher than 800, and the transaction amount is greater than $150, set the authorization recommendation to DECLINE the transaction.

Rule Code

In the Free Form Editor, this rule can be written as follows:

if (CRTRAN25.authPostFlag = "A" and ffmFrdCard.Score > 800 and 
    CRTRAN25.transactionAmount > 150 and (CRTRAN25.mcc = ("5310" or 
     "5311" or "5331" or "5732" or "5733"))) 
then SendAuthAdvice(DECLINE);

Components

Conditional statements:

• CRTRAN25.authPostFlag = "A" is a string comparison between the CRTRAN25 transaction object's authPostFlag property value and the string value "A".

  Note: Quotation marks are required for string values.

• ffmFrdCard.Score > 800 is a numeric comparison between the incoming transaction's fraud score and 800. Numeric values do not need quotation marks.
• CRTRAN25.transactionAmount > 150 is a numeric comparison between the converted transactionAmount value and 150.
• (CRTRAN25.mcc = ("5310" or "5311" or "5331" or "5732" or "5733")) defines string comparisons between the incoming transaction's merchant category code (CRTRAN25.mcc) and multiple values joined by the "or" operator. Using "or" indicates that any of the values will satisfy the condition.

Action statement:

• The then portion of the rule can include up to six actions. In this example there is a single action, which calls the SendAuthAdvice function with the keyword value DECLINE.

Data Fields:

• CRTRAN25.authPostFlag is the incoming transaction field that indicates the transaction type. In this example, the field is compared to the value of A. If the incoming transaction matches this value, this condition is met.
• CRTRAN25.mcc provides the merchant category code, which is the SIC (Standard Industrial Classification) code for the type of merchant business. In this example, 5310, 5311, 5331, 5732, and 5733 indicate various types of retail stores.
• CRTRAN25.transactionAmount stores the transaction amount. In this example the amount of the incoming transaction must exceed $150.
• ffmFrdCard.score stores the score value provided by the Falcon Server.

Operators:

• The and operator links multiple conditions. When linked, all conditions must be true for the rule to execute. The or operator links conditions, only one of which must be true for the rule to execute. Multiple conditional statements are evaluated left to right, top to bottom. Statements enclosed in parenthesis are resolved together. In this case, the first three conditions joined by and must all evaluate to true, and any one of the expressions joined by or must evaluate to true, before the rule action will fire.

Function:

• SendAuthAdvice sends a message to the authorization system with the recommended action.