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Kount - Data Collector and Risk Inquiry Service (RIS)

Support of Kount fraud services via the TokenEx iFrame

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Prerequisite

In order to use this functionality, please contact your Customer Success representative. Find more information on how this integration works here.

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Compatibility

This functionality is only available in PCI or PCI with CVV modes.

TokenEx has integrated two Kount APIs to facilitate fraud prevention. The Kount Device Data Collector and Risk Inquiry Service have been bundled into the TokenEx iFrame. Clients with a Kount integration are able to leverage the TokenEx iFrame to call the Kount Risk Inquiry Service after collecting the device data using the Kount SDK. When configuring the TokenEx iFrame for Kount, the Kount Client Identifier and API key issued by Kount are required. The Client Identifier is set within the TokenEx iFrame configuration object and the Kount API key will need to be submitted to the TokenEx Support team as a ticket within the TokenEx portal. Once submitted the API key will be associated with the TokenEx Identifier by the Support team.

During data collection, Kount generates a unique identifier called Session Id specific to that request.
TokenEx will send this SessionId while making a request to RIS Service. The session identifier is used to join the device data with the order data sent to the RIS. Client will use the Session Id for subsequent calls to the RIS.

On Tokenize, Clients will receive the Risk Inquiry response including the SessionId and a proprietary, one-way, irreversible hash of the credit card PAN called a KHASH.

The iFrame configuration object takes an optional fields for FraudService request:

PropertyTypeDescription
fraudServicesObjectParent object/variable for sending FraudServices details to Iframe.
fraudServices.useKountbooleanTrue or False. If set true, TokenEx will load the Kount sdk.
kountObjectParent object for Merchant Id and API Key
fraudServices.kount.merchantIdstringKount Merchant Id

The configuration object for Kount looks something like:

var iframeConfig = {
    origin: "https://mysite.com",
    /*(rest of the iframe configuration here)*/
  	...,
  	...,
  	...,  
  	fraudServices: {
      		useKount: true,
      		kount: {
            merchantId: "<Your kount merchant id>",
            mode: "<Kount Mode>"
            anId: "<Kount AnId>"
          }
    	}
}

The API key used to generate the authentication key must have the FraudServiceGeneralAccess permission enabled. Contact support to enable this.

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Kount Mode = "P"

When Kount mode is set to "P", Kount data collection will be ignored and TokenEx will create a unique 32 digit session id containing TokenExId as a prefix. here.

Set Kount Request Details

Before calling Tokenize on iFrame, user must provide the order data to the iFrame. TokenEx has provided a method called setFraudServicesRequestDetails, accepting an object of type GetKountRiskResultRequest as the first parameter.

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Error

An error will be returned if the RIS request details are not set before calling Tokenize.

Below is an example payload for RIS request: NOTE: Any User Defined Fields that are passed in are validated within Kount, not the Iframe.

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For full list of accepted fields for RIS are here.

// Create a new instance of the iFrame, and add the container ID and config object
var iframe = new TokenEx.Iframe("tokenExIframeDiv", iframeConfig);

// populate the fraud services request details when the PAN entered is valid.
iframe.on("validate", function (data) {
    if (data.isValid = true) {

        iframe.setFraudServicesRequestDetails(JSON.stringify({
            "billingEmailAddress": "<[email protected]>",
            "amount": 10000,
            "currency": "USD",
            "ipAddress": "<end.consumer.IP.Address>",
            "kountVersion": "0720",
            "lastFour": data.lastFour, // fill last four of PAN via this event listener
            "merchantId": "<kount_merchant_ID>",
            "transactionSite": "DEFAULT",
            "MerchantOrderNumber": "<order_number>",
            "AuthorizationStatus": "A",
            "BillingName": "Billing Name",
            "BillingStreetAddress1": "917 S Lusk St",
            "BillingStreetAddress2": "Suite 300",
            "BillingCity": "Boise",
            "BillingState": "ID",
            "BillingPostalCode": "83706",
            "BillingCountryCode": "US",
            "BillingPhoneNumber": "5555555555",
            "ShippingStreetAddress1": "917 S Lusk St",
            "ShippingStreetAddress2": "Suite 300",
            "ShippingCity": "Boise",
            "ShippingCountryCode": "US",
            "ShippingPostalCode": "83706",
            "ShippingState": "ID",
            "Products": [{
                "Type": "Trinket",
                "Description": "Doodad",
                "Quantity": 10,
                "Price": 10,
                "Sku": "tgj6dneq"
            }],
            "UserDefinedFields": {
              "Trinket": "Doodad",
              "Blue": 42
            }
        }));
    }
});

// The RIS response is returned in the Tokenize event

{
  "success":true,
  "details":"Fraud Services risk request details have been received successfully."
}

{
  "success":false,
  "details":"Error while parsing data, please verify and retry."
}

Data Collection Success

A successful data collection will generate a notice like the below example. The, iFrame also provides events when Kount data collection begins and ends.

{
  "type":"Kount Data Collection Finished.",
  "success":true
}

var iframe = new TokenEx.Iframe("tokenExIframeDiv", iframeConfig);

// Add event listeners
iframe.on("kountDataCollectionBegin", function () { console.log("Kount Data Collection Begin") });

var iframe = new TokenEx.Iframe("tokenExIframeDiv", iframeConfig);

// Add event listeners
iframe.on("kountDataCollectionEnd", function () { console.log("Kount Data Collection End") });

Data Collection Failure

When data collection fails iFrame generates a failure notice as below.

{
  "type":"Kount Data Collection Failed.",
  "success":false
}

Steps to get the RIS response with Tokenize

  1. Set fraudServices.useKount to true and provide fraudServices.kount.merchantId in iFrame configuration.
  2. Load the Iframe. Kount data collection takes place in the background.
  3. Set order details via setFraudServicesRequestDetails method.
  4. Call Tokenize if step 4 is successful.
  5. If setFraudServicesRequestDetails fails, verify the payload and retry setting the request and tokenizing.
{
    "firstSix": "FirstSixCharactersOfThePan",
    "lastFour": "LastFourCharactersOfThePan",
    "kHash": "<KHashValueForThePan>",
    "kountRiskResult": {
        "status": "Approved",
        "transactionId": "<TransactoinId>",
        "auto": "A",
        "omniScore": 61.4,
        "sessionId": "<SessionId>",
        "thirdPartyStatusCode": "200",
        "referenceNumber": "<TokenExReferenceNumberForFraudServices>",
        "success": true,
        "error": ""
    },
    "token": "<TokenExToken>",
    "referenceNumber": "<TokenExReferenceNumberForIframe>",
    "tokenHMAC": "<TokenHMAC>",
    "cvvIncluded": false,
    "cardType": "<CardType>"
}

{
    "firstSix": "FirstSixCharactersOfThePan",
    "lastFour": "LastFourCharactersOfThePan",
    "kHash": "<KHashValueForThePan>",
    "kountRiskResult": {
        "status": "",
        "transactionId": "",
        "auto": "",
        "omniScore": 0,
        "sessionId": "",
        "thirdPartyStatusCode": "",
        "referenceNumber": "022051020424666873571",
        "success": false,
        "error": "The field Products must be a string or array type with a minimum length of '1'."
    },
    "token": "<TokenExToken>",
    "referenceNumber": "<TokenExReferenceNumberForIframe>",
    "tokenHMAC": "<TokenHMAC>",
    "cvvIncluded": false,
    "cardType": "<CardType>"
}

TokenEx Fraud Services Information

Kount Risk Inquiry Service
https://docs.tokenex.com/docs/getkountriskresult

Kount Information

Data Collector
https://developer.kount.com/hc/en-us/sections/5319287642260-Integration-Guide?article=4411121101844

Risk Inquiry Service
https://developer.kount.com/hc/en-us/sections/5319287642260-Integration-Guide

Updated 2 months ago