File Level Risk
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 AMEX cards in a single file and no other risk characteristics. The calculation is as follows.
Number of Characteristic Hits * Category Weight * Characteristic Weigh = File Risk Score
5 AMEX Hits * Credit Card Category Weight * AMEX Characteristic Weight = File Risk Score
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
Endpoint Level Risk
The Risk Dashboard contains an aggregate risk score. The aggregate is simply the sum of all file level risk scores.