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.