Real-time Fraud Offline¶
Overview¶
Member FIs are able to allow for payments to continue during an outage of the fraud system. A separate payment amount limit is generally specified to reduce risk exposure.
Configuration¶
Membership Feature¶
The RTFOffline
feature Specifies if the FI allows a payment to continue during a fraud outage scenario.
RTF Offline Limits¶
To handle RTF offline scenarios, the UC will make a 2nd limit-check
call. A special graduated limit rule, RTFOffline
is passed in to trigger the lower payment limit.
For example, an FI may have a limit with a single payment limit assigned to graduated rule RTFOffline
. The 2nd limit-checks
call would include only the RTFOffline
rule:
"ruleParams": {
"graduatedLimitRangeParams": {
"RTFOffline": 1
}
}
RTF Offline Payment Flag¶
If a payment is processed in an RTF offline scenario, payment flag RTFOffline
is added to the payment via the PaymentRepo API.