Risk Inquiry Service (RIS) Modes

The Risk Inquiry Service (RIS) joins device data with customer order data, and then evaluates and scores each transaction. RIS Modes are used to specify the type of data being submitted to Kount during a RIS call.

Mode Q

Initial queries directed from the merchant to Kount that do not originate from a call center environment.

Mode P

Initial queries originating from a call center environment.

  • IP Address must be hard coded as "10.0.0.1".
  • If customer does not provide an e-mail address, use the value EMAL=noemail@Kount.com.
  • PayPal is not a valid payment type for MODE=P.

Mode U

Mode U is an update call to Kount; updating fields such as order number and status of payment authorization. After a Mode U is sent, the updates are reflected in the Agent Web Console (AWC). The corresponding transaction is not re-evaluated in a Mode U call, therefore it does not count towards the total number of RIS transactions purchased.

  • The PTYP field must only be updated if the initial post to Kount was PTYP=NONE.
  • When implementing a pre-authorization workflow, Mode U is required to keep complete and accurate data from the payment gateway. For more information on pre-authorization workflows, refer to Pre-Authorization Versus Post-Authorization.
  • Only certain fields can be updated with MODE U calls, expand the data table below to view which fields can be updated.
Mode U RIS Data Table
Attribute Description Data Type and Size Minimum Required
AUTH Authorization Status returned to merchant from processor

A: Authorized
D: Declined

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

M: Match
N: No Match
X: Unsupported or Unavailable
1 character alphanumeric  
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  
CVVR Card Verification Value response returned to merchant from processor. Acceptable values are ’M’ for match, ’N’ for no-match, or ’X’ unsupported or unavailable. 1 character alphanumeric  
LBIN Captures 6-8 characters of BIN data 6-8 characters numeric  
LAST4 Last 4 numbers of Credit Card Value 4 characters numeric  
MACK Merchants acknowledgement to ship/process the order

Y or N
1 character numeric X
MERC Merchant ID assigned to the merchant by Kount. 6 characters numeric X
MODE Will always be MODE U.

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.
1 character alphanumeric X
ORDR Merchant’s Order Number 32 characters alphanumeric  
PTOK Payment token returned from payment provider such as PayPal Payer ID or BillMeLater token. 32 characters alphanumeric  
PTYP Only the following payment types allow update made:
BillMeLater
Green Dot Money Pak
Google Pay
PayPal

4 characters alphanumeric  
RFCB Indication of either a refund or chargeback associated with transaction.
'R or 'C'
1 character alphanumeric  
SESS Unique Session ID, must be unique over a 30-day span 32 characters alphanumeric X
TRAN Transaction ID required for update calls to Kount. Transaction ID generated by Kount, must match original RIS Post. 32 characters alphanumeric X
VERS Specifies version of Kount, built into SDK, must be supplied by merchant if not using the SDK. 4 characters alphanumeric X

Mode X

Update query 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 is re-evaluated and returns an updated RIS response to the merchant. These updates are displayed in the Agent Web Console. This query counts towards the number of RIS transactions purchased. The same fields listed in the MODE=U section can be changed for MODE=X transactions except for PTYP, which is not accepted by MODE=X.

Mode E

This mode designates an error has occurred and is returned to the merchant in the RIS response.

Mode W (for Kount Central customers only)

This is basically a standard Mode Q with Mode J response appended to the end. Thresholds are evaluated in addition to Portfolio Manager rules. Mode W has the same input requirements as mode Q, with the addition of CUSTOMER_ID. In a Mode W, the threshold decision/response is appended to the Mode Q decision/response. It is the responsibility of the Processor to evaluate both decisions in a Mode W and take appropriate action. Please see your Customer Success Manager for more information.

Mode W RIS Data Table

Attribute

Description

Character Limit

Valid Values

Required

AUTH

Authorization Status returned to merchant from processor

A: Authorized
D: Declined

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

A or D

 

AVST

Address Verification System Street verification response returned to merchant from processor. Acceptable values are ’M’ for match, ’N’ for no-match, or ’X’ for unsupported or unavailable.

1

M (Match) N (Not a Match) X (Not Available)

 

AVSZ

Address Verification System Zip Code verification response returned to merchant from processor. Acceptable values are ‘M’ for match, ’N’ for no match, or ‘X’ for unsupported or unavailable.

1

M (Match) N (Not a Match) X (Not Available)

 

CVVR

Card Verification Value response returned to merchant from processor. Acceptable values are ’M’ for match, ’N’ for no-match, or ’X’ unsupported or unavailable.

1

M (Match)N (Not a Match) X (Not Available)

 

FRMT

Specifies the format of the RIS response if not using SDK, XML, JSON, YAML

4

SDK, XML, JSON, YAML

 

LAST4

Last 4 numbers of Credit Card Value

4

Numeric field must be 4 numbers

 

LBIN Captures 6-8 characters of BIN data 6-8 6-8 characters numeric

 

MACK

Merchants’ acknowledgement to ship/process the order. The MACK field must be set as ’Y’ if persona data is to be collected to strengthen the score.

1

Y or N

X

MERC

Merchant ID assigned to the merchant by Kount.

6

Numeric field must be 6 numbers

X

MODE

Specifies what mode type the RIS post is: MODE=Q MODE=P MODE=X MODE=U

1

Q, P, X, U

X

ORDR

Merchant’s Order Number

64

Alphanumeric field

 

PENC

RIS parameter for payment encoding.

KHASH

KHASH OR MASK

 

PTOK

PTOK value replaces Null value passed in original RIS Post.

32

Value to replace Null value passed in original RIS Post

 

PTYP

Payment Type submitted by merchant: PYPL BLML GDMP GOOG


NOTE: PTYP must have been set to actual payment PTYP that is updated within the initial RIS Post. PTOK must have been set to Null. If the PTYP is set to NONE no update can be performed.

4

PYPL, BLML, GDMP, GOOG

 

RFCB

Refund/Chargeback status: R = Refund C = Chargeback

1

R (Refund) or C (Chargeback)

 

SESS

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

32

Alphanumeric field; must be match original RIS Post

X

TRAN

Transaction ID required for update calls to Kount.

12

Transaction ID generated by Kount, must match original RIS Post

X

VERS

Specifies version of Kount, built into SDK, must be supplied by the merchant if not using the SDK.

4

Version of Kount being used

X

NOTE: There are exceptions to the PENC, PTOK, and PTYP fields. Please contact your Customer Success Manager for further details.
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