Digital banking factors for web application events

Risk Analytics offers different types of default factors for digital web banking:

  • Factors based on IP information
  • Factors based on browser device information
  • Factors based on browser session information
  • Other factors common to browser non-monetary events and transactions
  • Factors specific to browser non-monetary events
  • Factors specific to browser transactions

The following tables provide information on the factors specific to digital banking and web applications.

Table legend

  • Factor: name of the factor as displayed in Presentation Service.
  • Configuration label: name of the factor in the Decision Analytics configuration file and the Risk Analytics database.
  • Factor Type: the type of factor.
  • Execution Type: interval at which the factor is executed. Possible intervals are real time or daily. In real-time execution, the factor is computed in real time, based on existing information. In daily execution, the factor is computed by the DecisionAnalyticsComputeDailyJob job embedded in the Jobs web service. By default this job is launched once a day.
Factors based on IP information
Factor Factor type Description
(Configuration label) Execution type

B_NEW_IP

(NewIPBank)

BOOLEAN

Real time

 Checks if the IP address (IP) of the event is a new IP for all bank customers.
B_NEW_ISP

(NewISPBank)

BOOLEAN

Real time

 Checks if the Internet Service Provider (ISP) of the event is a new ISP for all bank customers.
B_NEW_IP_CITY

(NewIPCityBank)

BOOLEAN

Real time

 Checks if the IP city of the event is a new IP city for all bank customers.
B_NEW_IP_COUNTRY

(NewIPCountryBank)

BOOLEAN

Real time

 Checks if the IP country of the event is a new IP country for all bank customers.
B_NUM_CUST_SAME_IP

(NumCustomerForIP)

NUMBER

Real time

 Number of bank customers linked to this IP address within the last monitoring period (default value: three months).
C_NEW_IP_SESSION

(NewIPCustomer)

BOOLEAN

Real time

 Checks if the current session contains a new IP address for this customer.
C_NEW_ISP_SESSION

(NewISPCustomer)

BOOLEAN

Real time

 Checks if the ISP of the current session is a new ISP for this customer.
C_NEW_IP_CITY_SESSION

(NewIPCityCustomer)

BOOLEAN

Real time

 Checks if the IP city of the current session is new for this customer.
C_NEW_IP_COUNTRY_SESSION

(NewIPCountryCustomer)

BOOLEAN

Real time

 Checks if the IP country of the current session is a new IP country for this customer.
C_NEW_IP_TIMEZONE_SESSION

(NewIPTimeZoneCustomer)

BOOLEAN

Real time

 Checks if the IP time zone of the current session is a new IP time zone for this customer.
C_NUM_DISTINCT_IP

(NumCustDistinctIP)

NUMBER

Real time

 Number of distinct IP addresses used by the customer.
C_NUM_DISTINCT_IP_ CURRENT_WEEK

(NumCustDistinctIPCurrentWeek)

NUMBER

Real time

 Number of different IP addresses used by the customer in the current week (last seven days).
C_NUM_DISTINCT_IP_COUNTRY

(NumIPForeignCountry)

NUMBER

Real time

 Number of distinct IP countries used by the customer.
C_NUM_SAME_IP

(NumSameCustIP)

NUMBER

Real time

 Number of times the customer has used the IP address of the event.
SAME_LAST_SESSION_IP

(SameLastSessionIP)

BOOLEAN

Real time

 Checks if the IP address of the event is the same as the IP used in the previous session.
SAME_LAST_SESSION_ISP

(SameLastSessionISP)

BOOLEAN

Real time

 Checks if the ISP of the event is the same as the ISP used in the previous session.
SAME_LAST_SESSION_IP_COUNTRY

(SameLastSessionIPCountry)

BOOLEAN

Real time

 Checks if the IP country of the event is the same as the IP country used in the previous session.
SAME_LAST_SESSION_IP_CONTINENT

(SameLastSessionIPContinent)

BOOLEAN

Real time

 Checks if the IP continent of the event is the same as the IP continent used in the previous session.
SAME_SESSION_IP

(SamePreviousIP)

BOOLEAN

Real time

Checks if the IP address of the event is the same as the IP used in the previous event of the current session.
SAME_SESSION_ISP

(SamePreviousISP)

BOOLEAN

Real time

Checks if the ISP of the event is the same as the ISP used in the previous event of the current session.
SAME_SESSION_IP_COUNTRY

(SamePreviousIPCountry)

BOOLEAN

Real time

Checks if the IP country of the event is the same as the IP country used in the previous event of the current session.
SAME_SESSION_IP_CONTINENT

(SamePreviousIPContinent)

BOOLEAN

Real time

Checks if the IP continent of the event is the same as the IP continent used in the previous event of the current session.
CORPORATE_PROXY

(CorporateProxy)

BOOLEAN

Real time

 Checks if the IP uses a corporate proxy.
ANONYMOUS_PROXY

(AnonymousProxy)

BOOLEAN

Real time

 Checks if the IP uses an anonymous proxy.
Factors based on browser device information
Factor Factor type Description
(Configuration label) Execution type
SAME_SESSION_DEVICE

(SamePreviousDevice)

BOOLEAN

Real time

Checks if the used device is the same for the current session as the one used in the previous event.

SAME_LAST_SESSION_DEVICE

(SameLastDevice)

BOOLEAN

Real time

Checks if the used device is the same for the same relationship_ref value as the one used in the previous session.

C_NEW_DEVICE_SESSION

(IsNewCustomerDevice)

BOOLEAN

Real time

Checks if the device used in the session is a new device for this customer.

B_NEW_DEVICE

(NewBankDevice)

BOOLEAN

Real time

Checks if the used device is a new device for all bank customers.

C_NUM_DISTINCT_DEVICE

(NumDeviceForCustomer)

NUMBER

Real time

Number of different devices used by this customer during the last period.

ACTIVATION_DATE

(ActivationDeviceDate)

VARCHAR

Real time

 Date when the device was used for the first time.
C_NEW_USER_AGENT_SESSION

(NewUserAgent)

NUMBER

Real time

Checks if the user agent is new for this customer.

B_NUM_CUST_SAME_DEVICE

(NumCustomerForDevice)

NUMBER

Real time

Number of bank customers linked to this device.

B_NUM_EVENT_SAME_DEVICE

(NumEventFromDevice)

NUMBER

Real time

Number of bank events linked to this device.

Factors based on browser session information
Factor Factor type Description
(Configuration label) Execution type
AVG_CUSTOMER_WEEKLY_ SESSION

(AverageCustomerWeeklySession)

NUMBER

Daily

Average number of sessions opened within a week during the last period (default value: six months).
AVG_CUSTOMER_MONTHLY_ SESSION

(AverageCustomerMonthlySession)

NUMBER

Daily

Average number of sessions opened within a month during the last period (default value: six months).
TIME_SINCE_LAST_SESSION

(TimeSinceLastSession)

NUMBER

Real time

Time (in seconds) elapsed since the last session was closed (measured with the time since NME type in the previous session).
TIME_SINCE_LAST_REQUEST

(TimeSinceLastRequest)

NUMBER

Real time

Time (in seconds) elapsed since the last request within the same session (time between two events within the same session).
NUM_REQUEST_IN_SESSION

(NumRequestInSession)

NUMBER

Real time

 Number of requests submitted in the current session.
EARLY_MORNING

(EarlyMorning)

BOOLEAN

Real time

 NME/TXN between 6 a.m. and 9 a.m.
LATE_MORNING

(LateMorning)

BOOLEAN

Real time

 NME/TXN between 9 a.m. and 12 a.m.
EARLY_AFTERNOON

(EarlyAfternoon)

BOOLEAN

Real time

 NME/TXN between 12 a.m. and 3 p.m.
LATE_AFTERNOON

(LateAfternoon)

BOOLEAN

Real time

 NME/TXN between 3 p.m. and 6 p.m.
EARLY_EVENING

(EarlyEvening)

BOOLEAN

Real time

 NME/TXN between 6 p.m. and 9 p.m.
LATE_EVENING

(LateEvening)

BOOLEAN

Real time

 NME/TXN between 9 p.m. and 12 p.m.
NIGHT

(Night)

BOOLEAN

Real time

 NME/TXN between 12 p.m. and 6 a.m.
BEGIN_MONTH

(BeginMonth)

BOOLEAN

Real time

 NME/TXN between the 1st and the 10th day of the month.
MIDDLE_MONTH

(MiddleMonth)

BOOLEAN

Real time

 NME/TXN between 11th and the 20th day of the month.
END_MONTH

(EndMonth)

BOOLEAN

Real time

 NME/TXN after the 20th day of the month.
C_NEW_COOKIE

(NewCustomerCookie)

BOOLEAN

Real time

 Checks if this is a new cookie for this customer.
B_NEW_COOKIE

(NewBankCookie)

BOOLEAN

Real time

Checks if this is a new cookie for all bank customers.
C_NEW_REFERRER

(NewCustomerReferrer)

BOOLEAN

Real time

Checks if a new referrer was used for this customer during the last period.
B_NEW_REFERRER

(NewBankReferrer)

BOOLEAN

Real time

 Checks if a new referrer was used for all bank customers.
Other common browser factors
Factor Factor type Description
(Configuration label) Execution type
C_NUM_SESS_SAME_IP

(NumSessionSameIP)

NUMBER

Real time

 Number of sessions using the IP address for this customer (i.e. relationship_ref). The number of sessions excludes the current one.
C_NUM_SESS_SAME_ISP

(NumSessionSameISP)

NUMBER

Real time

 Number of sessions using the ISP for this customer (i.e. relationship_ref). The number of sessions excludes the current one.
C_NUM_SESS_SAME_DEVICE

(NumSessionSameDevice)

NUMBER

Real time

 Number of sessions using the device for this customer (i.e. relationship_ref). The number of sessions excludes the current one.
C_NUM_SESS_SAME_BENEF

(NumSessionSameBenef)

NUMBER

Real time

 Number of sessions using the beneficiary or creditor for this customer (i.e. relationship_ref). The number of sessions excludes the current one.
C_IP_AGE

(IPAge)

NUMBER

Real time

 Number of days since the customer first used the IP address (i.e. relationship_ref).
C_IP_ISP_AGE

(IPIspAge)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used the ISP.
C_IP_CITY_AGE

(IPCityAge)

NUMBER

Real time

 Number of days since the first event sent by the customer (i.e. relationship_ref) from the city is identified by IP_CITY.
C_IP_COUNTRY_AGE

(IPCountryAge)

NUMBER

Real time

 Number of days since the first event sent by the customer (i.e. relationship_ref) from the country is identified by IP_COUNTRY.
C_DEVICE_AGE

(DeviceAge)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used this device.
C_BENEFICIARY_IBAN_AGE

(BeneficiaryIbanAge)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used this beneficiary.
C_BENEFICIARY_BANK_COUNTRY_AGE

(BeneficiaryBankCountryAge)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used this beneficiary bank country.
C_BENEFICIARY_BANK_AGE

(BeneficiaryBankAge)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used this beneficiary bank.
B_USER_AGENT_AGE

(UserAgentAgeAnyCustomer)

NUMBER

Real time

 Number of days since any customer of the bank first used this user agent.
C_USER_AGENT_AGE

(UserAgentAgeCurrentCustomer)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used this user agent.
C_COOKIE_AGE

(CookieAge)

NUMBER

Real time

 Number of days since the customer (i.e. relationship_ref) first used this cookie.
C_REFERRER_AGE

(ReferrerAge)

NUMBER

Real time

Number of days since the customer (i.e. relationship_ref) first used this referrer.
AUTHENT_STATUS

(AuthentStatus)

NUMBER

Real time

Status on a customer authentication that possibly occurs for the current event.

Possible values:

0: No Authentication.

1: Simple Authentication Failed

2: Simple Authentication Success

3: Strong Authentication Failed

4: Strong Authentication Success

C_LAST_SCA_DATE

(LastScaDateCustomer)

DATE

Real time

Date of the last successful Strong Customer Authentication (SCA) for the current customer.

1/1/1970 00:00:00 if the customer has never performed a strong authentication.

C_LAST_SCA_AGE

(LastScaAgeCustomer)

NUMBER

Real time

Number of days since the last successful SCA for the current customer. Number of days since 1/1/1970 00:00:00 if the customer has never performed a strong authentication.
C_TPP_LAST_SCA_CONSENT_DATE

(TppLastScaConsentDateCustomer)

DATE

Real time

Date of the last successful SCA applied to access the account (XS2A) consent for the current customer (i.e. relationship_ref) and the current TPP (i.e. tpp_ref).

1/1/1970 00:00:00 if the customer has never performed a strong authentication to give XS2A consent to this TPP.

C_TPP_LAST_SCA_CONSENT_AGE

(TppLastScaConsentAgeCustomer)

NUMBER

Real time

Number of days since the last successful SCA applied to XS2A consent for the current customer (i.e. relationship_ref) and the current TPP (i.e. tpp_ref). Number of days since 1/1/1970 00:00:00 if the customer has never performed a strong authentication to give XS2A consent to this TPP.
C_IS_BENEF_TRUSTED

(IsBenefTrustedCustomer)

BOOLEAN

Real time

Indicates if the beneficiary of the current event or transaction is trusted for the current customer .

Possible values:

0: the beneficiary is not trusted

1: the beneficiary is trusted

C_BENEF_TRUSTED_AGE

(BenefTrustedAgeCustomer)

NUMBER

Real time

Number of days since the beneficiary became trusted for the current customer.

0 if the beneficiary is not or no longer trusted.

C_NUM_FAILED_TXN_CUST_PERIOD

C_NUM_FAILED_TXN_CUST_SHTTIME

C_NUM_FAILED_TXN_CUST_MEDTIME

C_NUM_FAILED_TXN_CUST_LNGTIME

(NumFailedTxnShtTime)

(NumFailedTxnMedTime)

(NumFailedTxnLngTime)

NUMBER

Daily

Number of failed transactions in the last period as defined (short, medium, long) for this customer.

Default values:

  • short time: one day
  • medium time: one week
  • long time: one month
SAME_SESSION_COUNTRY

(SameSessionCountry)

BOOLEAN

Real time

Checks if the IP country of the event is the same as the country used for the previous web or mobile event in the session.
PREVIOUS_WEB_MOB_EVT_DISTANCE
(PreviousWebMobEventDistance)

NUMBER

Real time

 Distance in km from the previous event (web or mobile) for the same relationship_ref value. The distance is calculated based on the latitude and longitude.
Factors specific to browser non-monetary events
Factor Factor type Description
(Configuration label) Execution type
C_NUM_FAILED_LOGIN_PERIOD

C_NUM_FAILED_LOGIN_SHTTIME

C_NUM_FAILED_LOGIN_MEDTIME

C_NUM_FAILED_LOGIN_LNGTIME

(NumFailedLoginShtTime)

(NumFailedLoginMedTime)

(NumFailedLoginLngTime)

NUMBER

Daily

Number of failed login attempts by this customer during the last period as defined (short, medium, long).

Default values:

  • short time: One day
  • medium time: One week
  • long time: One month
NUM_SAME_NME_TYPE

(NumSameNMEType)

NUMBER

Daily

 Number of non-monetary events of the same type occurring in the last period (default value: three months) for this customer.
AVG_WEEKLY_LOGIN

(AverageWeeklyLogin)

NUMBER

Daily

Average number of weekly successful logins of this customer in the last six months.

C_NUM_LOGIN_CURRENT_WEEK

(NumLoginCurrentWeek)

NUMBER

Daily

 Number of logins by this customer in the current week (covers a time period of the last 7 days).
HIGH_ACTIVITY

(HighActivity)

BOOLEAN

Real time

 Checks if the number of logins of the current customer during the current week is higher than the average number of weekly logins.
CHANGE

(Change)

BOOLEAN

Real time

 Checks if the profile status has changed.
C_NEW_BENEFICIARY_IBAN_SESS

(NewCustomerBeneficiaryIBAN)

BOOLEAN

Real time

Checks if the beneficiary account (e.g. IBAN) is on the list of known accounts used by this customer during the last period (default value: one year).
C_NEW_BENEFICIARY_BANK_SESS

(NewCustomerBeneficiaryBank)

BOOLEAN

Real time

Checks if the beneficiary bank is on the list of known beneficiary banks used by this customer during the last period (default value: one year).

C_NEW_BENEFICIARY_COUNTRY_SESS

(NewCustomerBeneficiaryCountry)

BOOLEAN

Real time

Checks if the beneficiary country is on the list of known beneficiary countries used by this customer during the last period (default value: six months).

C_NEW_BENEFICIARY_NAME_SESS

(NewCustomerBeneficiaryName)

BOOLEAN

Real time

Checks if the beneficiary name is on the list of known beneficiary names used by this customer during the last period (default value: six months).

C_NUM_CHANGE_ADDR_SUCCESS

(NumberChangeAddrSuccess)

NUMBER

Daily

 Number of successful address changes during the last week (NME_TYPE).

C_NUM_CHANGE_ADDR_FAIL

(NumberChangeAddrFail)

NUMBER

Daily

 Number of failed address changes during the last week (NME_TYPE).
CHANGE_SUCCESS

(NumChangeSuccess)

NUMBER

Daily

 Number of successful updates to contacts (create new or change existing fields) during the last week.
CHANGE_FAIL

(NumChangeFail)

NUMBER

Daily

 Number of failed updates to contacts (create new or change existing fields) during the last week.
B_NEW_BENEFICIARY_IBAN

(NewEverBeneficiaryIBAN)

BOOLEAN

Real time

 Checks if this beneficiary's IBAN is known to the bank.
C_NUM_NEW_BENEFICIARY_SUCCESS

(NumNewBeneficiarySuccess)

NUMBER

Daily

Number of successful instances to create new beneficiaries for this customer during the last period (default value: six months).
C_NUM_NEW_BENEFICIARY_FAIL

(NumNewBeneficiaryFail)

NUMBER

Daily

 Number of failed attempts to create new beneficiaries for this customer during the last period (default value: six months).
Factors specific to browser transactions
Factor Factor type Description
(Configuration label) Execution type
NUM_ACC_LINK_TO_BENEF

(NumAccountLinkToBeneficiary)

NUMBER

Real time

 Number of different accounts performing transactions to this beneficiary over the last week. This factor also checks if these accounts are included in the whitelist.
ACC_TXN_AMOUNT_PERIOD

ACC_TXN_AMOUNT_SHTTIME

ACC_TXN_AMOUNT_MEDTIME

ACC_TXN_AMOUNT_LNGTIME

(TxnAmountAttemptShtTime)

(TxnAmountAttemptMedTime)

(TxnAmountAttemptLngTime)

NUMBER

Daily

Transfer sums of outgoing transfer attempts for this account over the last period as defined (short, medium, long).

Default values:

  • short time: One week
  • medium time: One month
  • long time: Three months

ACC_NUM_TXN_ATTEMPT_PERIOD

ACC_NUM_TXN_ATTEMPT_SHTTIME

ACC_NUM_TXN_ATTEMPT_MEDTIME

ACC_NUM_TXN_ATTEMPT_LNGTIME

(NumTxnAttemptShtTime)

(NumTxnAttemptMedTime)

(NumTxnAttemptLngTime)

NUMBER

Daily

Number of outgoing transfer attempts for this account over the last period as defined (short, medium, long).

Default values:

  • short time: One week
  • medium time: One month
  • long time: Three months

ACC_TXN_AMOUNT_SUCCESS_PERIOD

ACC_TXN_AMOUNT_SUCCESS_ SHTTIME

ACC_TXN_AMOUNT_SUCCESS_ MEDTIME

ACC_TXN_AMOUNT_SUCCESS_ LNGTIME

(TxnAmountSuccessShtTime)

(TxnAmountSuccessMedTime)

(TxnAmountSuccessLngTime)

NUMBER

Daily

Transfer sums of successful outgoing transfers for this account over the last period as defined (short, medium, long).

Default values:

  • short time: One week
  • medium time: One month
  • long time: Three months

ACC_NUM_TXN_SUCCESS_PERIOD

ACC_NUM_TXN_SUCCESS_SHTTIME

ACC_NUM_TXN_SUCESS_MEDTIME

ACC_NUM_TXN_SUCESS_LNGTIME

(NumTxnSuccessShtTime)

(NumTxnSuccessMedTime)

(NumTxnSuccessLngTime)

NUMBER

Daily

Number of successful outgoing transfers for this account over the last period as defined (short, medium, long).

Default values:

  • short time: One week
  • medium time: One month
  • long time: Three months

ACC_TXN_AMOUNT_FAIL_PERIOD

ACC_TXN_AMOUNT_FAIL_SHT_TIME

ACC_TXN_AMOUNT_FAIL_MEDTIME

ACC_TXN_AMOUNT_FAIL_LNGTIME

(TxnAmountFailShtTime)

(TxnAmountFailMedTime)

(TxnAmountFailLngTime)

NUMBER

Daily

Transfer sums of failed outgoing transfers for this account over the last period as defined (short, medium, long).

Default values:

  • short time: One week
  • medium time: One month
  • long time: Three months

ACC_NUM_TXN_FAIL_PERIOD

ACC_NUM_TXN_FAIL_SHTTIME

ACC_NUM_TXN_FAIL_MEDTIME

ACC_NUM_TXN_FAIL_LNGTIME

(NumTxnFailShtTime)

(NumTxnFailMedTime)

(NumTxnFailLngTime)

NUMBER

Daily

Number of failed outgoing transfers for this account over the last period as defined (short, medium, long).

Default values:

  • short time: One week
  • medium time: One month
  • long time: Three months
NUM_SAME_CREDITOR_ATTEMPT

(NumSameCreditorAttempt)

NUMBER

Daily

 Number of outgoing transfer attempts to the same beneficiary during the last period (default value: three months).
NUM_SAME_CREDITOR_SUCCESS

(NumSameCreditorSuccess)

NUMBER

Daily

 Number of successful outgoing transfers to the same beneficiary in the last period (default value: three months).
NUM_SAME_CREDITOR_FAIL

(NumSameCreditorFail)

NUMBER

Daily

Number of failed outgoing transfers to the same beneficiary during the last period (default value: three months).
C_NUM_TXN_TO_BENEF

(NumCustTxnToCreditor)

NUMBER

Real time

 Number of outgoing transfers from the customer to this beneficiary.
C_STDDEV_TXN_AMOUNT_SHT

(StdDevTxnAmountShtTime)

NUMBER

Daily

 Standard deviations between the customer (i.e. relationship_ref) amount mean (for the last month) and the current transaction amount.
C_STDDEV_TXN_AMOUNT_LNG

(StdDevTxnAmountLngTime)

NUMBER

Daily

 Standard deviations between the customer (i.e. relationship_ref) amount mean (for the last three months) and the transaction amount mean for the last month.
C_MEAN_TXN_AMOUNT_SHT

(MeanTxnAmountShtTime)

NUMBER

Daily

 Customer (i.e. relationship_ref) transaction amount mean for the last month.
C_MEAN_TXN_AMOUNT_LNG

(MeanTxnAmountLngTime)

NUMBER

Daily

 Customer (i.e. relationship_ref) transaction amount mean for the last three months.