Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Tool 04 · Fraud & Risk

Fraud Score Simulator + Explainability Panel

Simulate real-time A2A fraud scoring with transparent rule-based logic. Adjust risk signals and see instant scoring breakdown. Client-side only: zero PII.

Rule-Based · Transparent Logic A2A · FedNow · RTP v1.0
Transaction Parameters Rule-Based Engine
Transaction
Transaction Amount $10,000
$0$25k$50k$75k$100k
Time of Day 14:00
00:0006:0012:0018:0023:00
Velocity & History
Transactions (Last Hour) 3
15101520
Account Age (Days) 180
1d6mo1yr2yr5yr
Signal Flags
New / Unrecognized Payee First time sending to this recipient
VPN / Proxy Detected Originating IP masked or anonymized
Unusual / New Device Device fingerprint not seen before
Geographic Mismatch Login location differs from usual
Rules Configuration
Configure Rule Weights ▾
Adjust point values and enable/disable each rule. Changes take effect on next run.
Rule
Points
On

What is this?

The Fraud Score Simulator demonstrates how a rule-based fraud detection engine evaluates A2A payment transactions. Every scoring decision is fully transparent: you can inspect, modify, and understand each contributing factor.

How the scoring works

Each transaction starts with a base score of 0. Rules are evaluated sequentially, and matching rules add points toward a maximum score of 100. Rules can be configured via the "Configure Rule Weights" panel.

  • 0–30: Low risk: payment is likely legitimate
  • 31–60: Medium risk: enhanced review recommended
  • 61–100: High risk: decline or hold for investigation

Important caveats

This is a simplified educational model. Production fraud systems use hundreds of signals, behavioral biometrics, graph analytics, and machine learning. This tool illustrates the conceptual framework, not a production-grade implementation.

Data privacy

All scoring runs entirely in your browser. No transaction data, inputs, or results are sent to any server. No cookies, no tracking, no analytics.

🛡️
No score computed
Set your transaction parameters and click "Run Fraud Score" to generate a risk assessment.
🔍
No analysis yet
Run the fraud scorer to see a plain-English explainability breakdown of each contributing factor.
📋
Run the scorer first
After scoring, you'll see which rules fired and which did not, along with point contributions.