CRIFBÜRGEL Credit check at checkout

After installing the plugin, a new menu item CRIF appears in the admin area under Settings / Extensions.

•             the access data are entered here in the first step

•             then click on the Button "query API" button

•             the access data will now be validated (test for plausibility of entered values)

After success, depending on the activated access, the possible configuration settings and control parameters for product family b.ONE or OrderCheck appear.

When you switch the module live for the first time or change the interface, be sure to check the correct functionality using live or test data.

Configuration settings for b.one

Credit check in the checkout

The selected payment method check checks whether the payment method is available for the customer only after the order has been submitted. If the payment method is excluded for him, he will be redirected back to the payment method selection.  Please note the special features of the rule structure.

Germany timeout in seconds / International timeout in seconds

Define a timeout for the request to the CRIF API

Re-verification of existing customers after [days

The number of days after which the risk assessment of an existing customer will be performed again. This is how long the previously determined result is used for decisions.

Caching within the session

If caching is set to Yes, a request once made is remembered within a frontend session.

Product

Select whether underwriting should be performed for consumers and companies.

ConCheck Product

Select the appropriate ConCheck product for underwriting.

RickCheck Product

Select the appropriate RiskCheck product for underwriting.

Shopping cart value difference [%]

If there is a difference in the shopping cart value beyond this percentage, a new inquiry will be made.

Check Germany

Activate/deactivate here the check for Germany

Check Switzerland

Activate/deactivate here the check for Switzerland

Check Austria

Activate/deactivate the check for Austria here

Log personal data?

Personal data should only be logged for debugging purposes.

Exclude customer group from check

Select the customer groups to be excluded from the check.

Configuration settings for OrderCheck

Risk assessment in the checkout

The selected payment method check checks whether the payment method is available for the customer only after the order has been submitted. If the payment method is excluded for him, he will be redirected back to the payment method selection.  Please note the special features of the rule structure.

Germany timeout in seconds / International timeout in seconds

Define a timeout for the request to the CRIF API

Re-verification of existing customers after [days]

The number of days after which the risk assessment of an existing customer will be performed again. This is how long the previously determined result will be used for decisions.

Caching within the session

If caching is set to Yes, a request once made is remembered within a frontend session.

Product

Select the appropriate product(s) for underwriting.

Shopping cart value difference [%]

If there is a difference in the shopping cart value beyond this percentage, a new inquiry will be made.

Check Germany

Activate/deactivate the check for Germany here.

Check Switzerland

Activate/deactivate the check for Switzerland here and enter the corresponding login data

Check Austria

Activate/deactivate the check for Austria here and enter the corresponding login data

Check Belgium

Activate/deactivate the check for Belgium here and enter the corresponding login data

Check Sweden

Activate/deactivate the check for Sweden here and enter the corresponding login data

Check Finland

Activate/deactivate the check for Finland here and enter the corresponding login data.

Check Norway

Activate/deactivate the check for Norway here and enter the corresponding login data.

Check Netherlands

Activate/deactivate the check for the Netherlands and enter the corresponding login data.

Check Denmark

Activate/deactivate the check for Denmark here and enter the corresponding login data.

Request personal number

For Sweden, Finland and Norway it is necessary to enter a personal number. If you activate this, the frontend view will be extended.

Log personal data?

Personal data should only be logged for debugging purposes.

Exclude customer group from check

Select the customer groups that should be excluded from the check.

Rule setting in the Rule Builder

After installation, new rule parameters are in the RuleBuilder of Shopware.

rule settings for b.ONE

Score

The CRIF Score from a RiskCheck/CreditCheck: The score is displayed in the module with a value between -1 and 60. The score = -1, is considered as an error case. A score = 0 indicates that no data is available for the requested data set. The score can be defined as equal to greater than, greater than/equal to, less than, less than/equal to, and not equal to, etc. as a rule.

b.ONE identification

The b.One identification can be defined as one or more separated values (comma separated). The codes of the b.ONE identification have the following meaning:

ConCheck

N0

person unknown

NW

person unknown/adress bekannt

N1

person/adress known

N2

person/adress different

To define a rule that should apply only when a person is identified, we recommend using the codes N1, N2: the person was identified uniquely or with a different address.

If a rule is to apply when a person has not been identified, then the codes NW, N0 should be used.

RiskCheck

A0

company/person unknown

A1

company/adress known

A2

company/adress different

A3

person/adress known 

A4

person/adress different 

A5

person unknown/adress known

A6

serveral companies known

To define a rule that should apply only if a company/person is identified, we recommend using codes A1, A2, A3 and A4: the company/person has been identified uniquely or with a different address.

If a rule is to apply when a company/person has not been identified, then codes A0, A5 and A6 should be used.

Note: If both products (ConCheck and RiskCheck) are used, then the codes of both products must be used.

Product group

The product group is selected by a number. 1 stands for ConCheck, 2 for RiskCheck or 1,2 for both.

The product group must be selected if certain rules should only apply to one product group.

Eror case

In case of error or communication problems with CRIFs, the module sets the ConCheck/RiskCheck score to -1. If all payment types should be displayed in case of error, a rule "Score=-1" can be defined. Otherwise, the corresponding payment type will not be displayed in the event of an error.

Note: If valid decision values (i.e. the age of the last successful check is less than the set days until a new check of existing customers) already exist for a customer in the store, these existing results are used for a payment type control. In this case, the customer only receives the payment types for selection that would also be available without errors.

rule settings for OrderCheck

traffic light decision

The traffic light decision from the OrderCheck request, this is either RED, YELLOW or GREEN.  The traffic light decision can be defined with equal, greater/equal, smaller, smaller/equal, unequal etc. in the rule. Where here GREEN is greater than YELLOW is greater than RED.

Example: a rule to show a payment type for YELLOW and GREEN would then be: "traffic light decision greater/equal YELLOW".

Rating Available only for CreditCheckONE product or after agreement with CRIF.

The rating is a decision returned by OrderCheck from best rating AAA to worst rating CCC. The exact order of the rating is as follows: AAA, AA, A, B, BB, BBB, C, CC, CCC, where AAA is the highest rating and CCC is the lowest rating. The rating can be defined as equal, greater than/equal to, less than/equal to, unequal to, etc. in the rule.

Example: a rule to indicate a number type at AAA, AA, A would then read:

 "Rating greater than/equal to A".

Limit is only available in consultation with CRIF.

Defines a customer-specific limit determined, which can be included in the decision of the granted payment types.

Actual payment type Is only available in consultation with CRIF.

Defines a list (comma separated) of payment types that must be included in the OrderCheck response for this query.

Actual product group

The product group is selected by a number. 1 represents CreditCheckConsumer, 2 represents CreditCheckBusiness, or 1,2 represents both. The product group must be selected if certain rules should only apply to one product group.

Error case

In case of error or communication problems with CRIF, the module sets the OrderCheck rating to -1 and the traffic light decision to NONE. If all payment types should be displayed in case of error, a rule "Traffic light decision=NONE" or "Rating =-1" can be defined. Otherwise, in case of an error, the corresponding payment type will not be displayed. Please only set a rule on the rating if you have also agreed on a rating as a return with Crif.

Note: If valid decision values (i.e. the age of the last successful check is less than the set days until a new check of existing customers) already exist for a customer in the store, these existing results are used for a payment type control. In this case, the customer only receives the payment types for selection that would also be available without errors.

Rule setting for the setup of the "Active control of the payment type".

https://docs.shopware.com/de/shopware-6-de/einstellungen/regeln

For the active control of the payment type, the standard function in Shopware 6 can be used for the rule setting. Accordingly, enter as type: payment type. For the associated payment type in the availability rule enter the defined rule.

Rule setting for the setup of the "Check the selected payment method"

The check of the selected payment method only takes effect after order completion and can therefore not be handled according to the Shopware standard rule system for payment methods.

In order to be able to perform a CRIF risk check after selecting the payment method, the rules in the Rule Builder must meet the following requirements:

1.           the name of the rule must start with "CRIF-RULE"

2.           the description of the rule must contain the name of the payment type to which the rule is to be applied. One payment type per line. In case of a multilingual store, each language must be entered for which the rule is to apply.

3.           the condition on which parameters the decision should be based is selected as known

Example for OrderCheck: Create rule, e.g. allow purchase on account with traffic light = GREEN

IMPORTANT:

Normally Shopware's own rules, which should result in certain payment types not being available for selection in the first place, are assigned to the payment types directly under Shop-> Payment types -> Availability rule.

This assignment must NOT be done for the "CRIF-RULE" rules, which are based on the CRIF check and should apply to the passive payment type control!

Rules that contain Shopware's own parameters can be further set here. This would then result in these payment types not being selectable in the first place.

Example:

Payment type Invoice has an availability rule "Shopping cart < 1000", then the payment type Invoice would only be displayed if the shopping cart value is less than 1,000, completely independent of the CRIF check.

If the above-mentioned CRIF-RULE for Invoice were then also set, the payment type "Invoice" would be displayed for shopping carts < 1,000 and lead to a check when selected by the customer.

For shopping carts >= 1,000, the customer could not select the invoice payment method at all and thus no check could be made. 

View decision values for customers

To view the result of the risk assessment, such as score/rating/ramp decision for a customer, click on "Customers" > "Customers" in the Shopware backend and then select the desired customer by clicking on the pencil.

CRIF exclusion:

If active, no underwriting will be performed for this customer.

Query Time:

UTC time of query.

CRIF-Score:

The result of the last CRIF risk check.

CRIF-Text:

The response text of the last query.

Person Number:

The person number for the check in Scandinavian countries.