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Risk Inquiry Service Data Submission

When submitting data to Risk Inquiry Service (RIS), it is recommended to send as much data as possible. As part of the RIS post there are required fields and if not populated an error will be returned in the RIS response. Refer to SDK documentation for details on how to submit the data for both optional and required fields.

Note

The fields listed in the table below support a maximum value of characters or equivalent bytes, whichever threshold is met first. Some languages and UTF encoding use more than one byte per character.

System Information

Attribute

Description

Data Type and Size

Mode

Minimum Required

Omniscore AI

VERS

Specifies version of Kount Risk Inquiry Service built into SDK; must be supplied by merchant if not using the SDK.

4 characters alphanumeric

Q, P, X, U

x

x

MERC

Merchant ID assigned to the merchant by Kount.

6 characters numeric

Q, P, X, U

x

x

MODE

Specifies RIS mode.

Q: RIS call that does not originate from a call center environment.

P: RIS call that originates from a call center environment or kiosk.

U: Update call to Kount, does not cause a reevaluation of the transaction but will update what is displayed in the Agent Web Console (AWC). This update call does not count towards the number of RIS transactions purchased. Only certain fields can be updated with MODE=U calls. The PTYP field can only be updated if the initial post to Kount was PTYP=NONE.

X: Call made after an initial MODE=Q or P request and/or any MODE=U updates have been made. Updates to certain fields can be made and the transaction will be re-evaluated and return an updated RIS response to the merchant.

1 character alphanumeric

Q, P, X, U

x

x

SESS

Unique Session ID. Must be unique over a 30-day span.

32 characters alphanumeric

Q, P, X, U

x

x

SITE

Website identifier for order origination. Set to value to DEFAULT.

8 characters alphanumeric

Q, P

x

x

IPAD

Dotted decimal IPv4 address that the merchant sees coming from the customer. Other than MODE=P or Phone to Web exclusion, do not send private IP addresses (i.e. 10.X.X.X or 192.168.X.X).

IPv6 addresses are converted to a static IPv4 address within RIS (10.0.0.1).

If MODE=P or Phone to Web exclusion, set value to 10.0.0.1.

16 characters alphanumeric

Q, P

x

x

ORDR

Merchant’s Order Number

64 characters alphanumeric

Q, P, U

   

MACK

Merchant’s acknowledgement to ship/process the order. Set value to Y.

1 character (Y, N)

Q, P, U

x

x

ANID

Mode P Only. Automatic Number Identification (Caller ID) submitted with order. If the ANI cannot be determined, set the value to 0123456789.

32 characters alphanumeric

P

x

x

TRAF

Transaction Risk Analysis (TRA) Flag

Optional 1 Char (Y, N)

Q

   

Payment Information

Attribute

Description

Data Type and Size

Mode

Minimum Required

Omniscore AI

PTOK

Payment token submitted by merchant for order (credit card, payer ID, routing/transit, MICR, and account number).

When using KHASH the BIN is extracted from the PTOK value, Last4 may be passed independently — it is lost during KHASH.

If PTYP is set to None then the PTOK value should be left empty (NULL).

POST-AUTH ONLY: If the credit card information is not available and a tokenized value is returned from the payment processor, set PTYP=TOKEN and send the token returned from processor in the PTOK field.

32 characters alphanumeric

Q, P, U

x

x

LAST4

Last 4 numbers of Credit Card Value

4 characters numeric

Q, P, U

   

LBIN

Captures 6-8 characters of BIN data

6-8 characters numeric

Q, P, X, U

   

PTYP

Payment Type submitted by merchant:

APAY - Apple Pay

CARD - Credit Card

GIFT - Gift Card

GOOG - Google Checkout

NONE - None

PYPL - PayPal

TOKEN - Token provided from payment processor

BLML - Bill Me Later

BPAY - BPAY

CARTE_BLEUE - Carte Bleue

CHEK - Check

ELV - ELV

GDMP - Green Dot Money Pack

GIROPAY - GiroPay

INTERAC - Interac

MERCADE_PAGO - Mercade Pago

NETELLER - Neteller

POLI - POLi

SEPA - Single Euro Payments Area

SKRILL - Skrill/Moneybookers

SOFORT - Sofort

alphanumeric

Q, P, U

x

x

PENC

RIS parameter for payment encoding. Required when PTYP=CARD, PTYP=CHEK, or PTYP=PYPL (when sending PayPal Payer ID).

Examples:

  • PTYP=CARD

  • PTOK=[ KHASH value ]

  • PENC=KHASH

or

  • PTYP=CARD

  • PTOK=123456xxxxxx1234

  • PENC=MASK

KHASH or MASK

Q, P, X

x

x

TOTL

Total amount in currency submitted in lowest currency factor. e.g. USD = pennies ($1.00 = 100). TOTL must be a natural number including 0.

15 characters numeric

Q, P

x

x

AUTH

Authorization Status returned to merchant from processor.

A: Authorized

D: Declined

If the merchant is using pre-authorization workflow, set value to A.

In orders where AUTH=A will aggregate towards order velocity of the persona while orders where AUTH=D will decrement the velocity of the persona.

1 character alphanumeric

Q, P, U

x

x

CURR

Country of currency submitted on order. If event or transaction is not a payment transaction, then hard code any ISO 3 digit approved currency code

3 characters alphanumeric

Q, P

x

x

AVST

Address Verification System Street verification response returned to merchant from processor.

M: Match

N: No Match

X: Unsupported or Unavailable

1 character alphanumeric

Q, P, U

 

x

AVSZ

Address Verification System Zip Code verification response returned to merchant from processor.

M: Match

N: No Match

X: Unsupported or Unavailable

1 character alphanumeric

Q, P, U

 

x

CVVR

Card Verification Value response returned to merchant from processor.

M: Match

N: No Match

X: Unsupported or Unavailable

1 character

Q, P, U

 

x

Billing Information

Attribute

Description

Data Type and Size

Mode

Minimum Required

Omniscore AI

EMAL

This is the email address submitted by the customer. Email addresses cannot exceed 64 characters including validation regex (^.+@.+\..+$) and multibyte characters. Email addresses that exceed this requirement might have characters removed.

If a call center is accepting orders on behalf of customers and the customer does not provide an email address or the customer does not have an email address, use noemail@kount.com.

64 characters alphanumeric

Q

x

x

NAME

Name submitted with the order

64 characters alphanumeric

Q, P

 

x

B2A1

Billing street address - Line 1

256 characters alphanumeric

Q, P

 

x

B2A2

Billing street address - Line 2

256 characters alphanumeric

Q, P

 

x

B2CI

Billing address - City

256 characters alphanumeric

Q, P

 

x

B2ST

Billing address - State/Province

256 characters alphanumeric

Q, P

 

x

B2PC

Billing address - Postal Code

20 characters alphanumeric

Q, P

 

x

B2CC

Billing address - Country

2 characters alphanumeric

Q, P

 

x

B2PN

Bill-to Phone Number

32 characters alphanumeric

Q, P

 

x

Shipping Information

Attribute

Description

Data Type and Size

Mode

Minimum Required

Omniscore AI

S2A1

Shipping street address - Line 1

256 characters alphanumeric

Q, P

 

x

S2A2

Shipping street address - Line 2

256 characters alphanumeric

Q, P

 

x

S2CI

Shipping address - City

2 characters alphanumeric

Q, P

 

x

S2CC

Shipping address - Country

2 characters alphanumeric

Q, P

 

x

S2EM

Shipping address - Email address of recipient

64 characters alphanumeric

Q, P

 

x

S2NM

Shipping address - Name of recipient

64 characters alphanumeric

Q, P

 

x

S2PC

Shipping address - Postal Code

20 characters alphanumeric

Q, P

 

x

S2PN

Ship-to Phone Number

32 characters alphanumeric

Q, P

 

x

S2ST

Shipping address - State/Province

256 characters alphanumeric

Q, P

 

x

SHTP

Shipping type.

The following nomenclature is expected for shipping types to be passed to Kount.

SHTP:

  • Same Day = SD

  • Next Day = ND

  • Second Day = 2D

  • Standard = ST

  • Delivery = DE

  • Pick-up = PU

2 characters alpha

Q, P

 

x

Product Details

Attribute

Description

Data Type and Size

Mode

Minimum Required

Omniscore AI

PROD_DESC[ ]

Shopping cart data array attribute for a specific description of the item being purchased.

0-255 bytes/characters alphanumeric

Q, P

x

x

PROD_ITEM[ ]

Shopping cart data array attribute typically the SKU for an item. This value should be passed as plain text.

1-255 bytes/characters alphanumeric

Q, P

x

x

PROD_PRICE[ ]

Shopping cart data array attribute for the price of the single item. Must be a natural number including 0.

Integer (Long)

Q, P

x

x

PROD_QUANT[ ]

Shopping cart data array attribute signifying the quantity of the item being purchased.

Integer (Long)

Q, P

x

x

PROD_TYPE[ ]

Shopping cart data array attribute high level or generalized description of the item added to the shopping cart. This value should be passed as plain text.

1-255 bytes/characters alphanumeric

Q, P

x

x

Miscellaneous Information

Attribute

Description

Data Type and Size

Mode

Minimum Required

Omniscore AI

CASH

Total fenceable value of goods sold.

15 characters numeric

Q, P

   

EPOC

This is timestamp associated with the creation of a user ID and is expressed as a number such as 1422377956. The timestamp value represents the number of seconds elapsed since midnight 01/01/1970.

Reference: https://www.epochconverter.com/

10 characters alphanumeric

Q, P

 

x

DOB

Date of Birth

YYYY-MM-DD

Q, P

   

GENDER

M or F

1 character

Q, P

   

UNIQ

Merchant assigned account number for consumer

32 characters alphanumeric

Q, P

 

x

UAGT

Customer User-Agent HTTP header

1024 characters alphanumeric

Q, P

 

x

FRMT

Specifies the format of the RIS response if not using SDK. The options are XML, JSON, and YAML.

4 characters alphanumeric

Q, P

   

RFCB

Refund/Chargeback status.

R: Refund

C: Chargeback

1 character alphanumeric

U

 

x

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