The Heureka Risk Score is calculated using a weighted scoring system by assigning weights to each instance of risk by Risk Category and Characteristic. The total risk score for a file is calculated by multiplying the # of characteristic hits by a Risk Category Weight and a Characteristic Weight.
Example: 5 AMEX cards found in a single file
5 * 0.8 * 0.9 = 3.6
The Weights break down as follows
- Bank Information Category = 0.4
- Fractional Routing Number = 0.3
- MICR Number = 0.3
- Credit Cards = 0.8
- AMEX = 0.9
- Diners = 0.9
- Discover = 0.9
- JCB = 0.9
- Mastercard = 0.9
- Visa 13 = 0.9
- Visa 16 = 0.9
- Personal Information = 1.0
- Social Security Number = .25