Neiman Marcus 2008 Annual Report Download - page 697

organization. If so, the referral is created to ensure this account cannot be re-used before setting up a duplicate new account.
10. Date of birth provided on the bureau report is reformatted into the MMDDYYYY format to coincide with PaySys date of
birth fields.
11. Multiple fraud custom referrals built to measure California 3-ID checks, address mismatches as well as bureau delivered
fraud and consumer messages.
12. Customized age variance and 3-day retail specific inquiry counter referrals developed through FICO and utilized as an
effective retail fraud predictor today.
13. Signature adverse action CDM types setup by new and existing accounts to input proposed sale date and whether the sale is
store or customer initiated. If the signature request is declined or the customer walks away from a "customer-initiated" sale
and the proposed sale data has elapsed, an adverse action letter is sent to the customer.
14. When both of the bureau agencies are down, "time out waiting on bureau" applications stored during this downtime are not
automatically being processed through when bureaus are back up.
15. Custom Reporting
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Financial Authorization System (FAS)
1. Authorization credit bureau reports received from TransUnion contain both an Empirica risk score and a Horizon bankruptcy
indicator score.
2. In-house behavioral score model developed by Experian updated monthly at billing to recalculate customer payment and
purchase behavior.
3. A customized initial 6-digit POS referral number that can eventually lead to an authorization approval code generated in
Central Credit requires forced compliance input at the POS. Outside of system generated approval code, a daily override
code' allows for approval at POS beyond the compliance input approval code.
4. Return and payment transactions go through same POS to FAS (OFAA) authorization process as a sale transaction
does to ensure account number is validated before completing credit transaction.