Mastercard · Schema

RiskFactor

The risk factor is represented numerically using a range from 0 (no risk data) to 5 (high risk). Each numerical value and its associated risk representation is shown below. * `0` - Represents an unknown risk because no data on this device is available. * `1` - Represents a no or low risk request. * `2` - Represents a low risk request. * `3` - Represents a medium risk request. * `4` - Represents a high risk request. * `5` - Represents a very high risk request. The risk factor is typically used to identify scenarios where a service provider may want to introduce consumer friction on the authorization process to validate the identity of the consumer. Example usage by a service provider may be to implement controls such as multifactor authentication for calculated risk factors of `3` or `4` and request blocking for risk factors of `5`.

Credit CardsDigital IdentityFinancial ServicesFraud DetectionOpen BankingPayments
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