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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:
Heureka identified 5 automatically identifies 5 AMEX cards in a single file and no other file with no additional risk characteristics. The calculation is as follows.:
Number of Characteristic Hits * Hits x Category Weight x Characteristic Weight * Characteristic Weigh = File Risk Score
5 AMEX Hits * Hits x Credit Card Category Weight * Weight x AMEX Characteristic Weight = File Risk Score
5 * 5 x 0.8 * 8 x 0.9 = File Risk Score of 3.6
The Weights break down as followsCategory Weights are shown below
- 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
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