• As an online trader, you need to be able to retrieve information on the payment behaviour of your customers quickly and easily, "around-the-clock". Feel more secure before you risk a high payment default.
  
  
• The data pool of infoscore Consumer Data GmbH (ICD) provides you with access, 24 hours a day, 7 days a week, to objective, verifiable negative information, such as entries in the public Schuldnerverzeichnisse (debtor registers) published by the district courts and (consumer) bankruptcy data. This information is supplemented by exclusive collection data, which performs an effective early warning function.

eScore is a technical platform that can be integrated in your online order process. Each individual order is then automatically transferred to ICD's database, where it is checked. This check is run while the order is being placed. Upon completion of the order, it can then be assessed with regard to the earning power and risk of payment default of a future customer relationship. As an eCommerce trader, this gives you significant, real time online assistance in reaching a decision regarding the selection of a payment procedure adjusted to the potential risk. With the assistance of eScore, the risk control module, you can offer those customers with an uncritical rating the maximum amount of freedom in selecting a payment procedure. This enables you to utilise turnover potential and minimise the risk of payment default.

eScore's approach is to aggregate information on various individual products in one value. It uses credit rating data from the ICD database to assess customers. Furthermore, optional modules such as procedures for scoring and checking addresses are available to the user. All of the results from the individual modules are merged and aggregated in the form of a signal light (red - yellow - green) before being returned. Therefore, instead of a lot of individual pieces of information you will receive a single value which corresponds to your individual risk strategy, making it easier to assess your customer.

eScore is a software solution that is extremely easy to integrate in any shop or payment platform, irrespective of your operating system. It also enables you to use additional services. The following service modules are available under eScore:

• verification of address
• credit rating check
• scoring
• black & white list functionality (integrating positive and negative lists)
• bank validation

You dynamically control the payment procedures and limits according to a predefined risk strategy that depends on the risk profile of your online customers.

It is possible to achieve even more detailed risk control by using an individual scorecard, a scoring procedure developed further for your specific field and fraud prevention modules. This enables you to arrange customer-related decision-making processes even more quickly and effectively and forecast the risk for each customer relationship. A fraud prevention pool serves as a defence against fraud, supplying the contract partners with information that, in the event of fraudulent use, will protect them against loss and further consequences. With the assistance of this module, arvato infoscore can set up a risk management procedure that is specifically tailored to your risk preferences.