Safety measures when handling transactions on the Web

The account of the 'temple', or stolen from the cardholder is being sold widely on the Internet, even at some hackers' forums, it is also 'given away'. This is a huge obstacle to e-commerce (e-commerce), especially in Vietnam when new e-commerce is in the "early" stage but has been cruelly "crushed" by fake cards.

Only VDC online website of VDC (VDC), in 2006, has discovered hundreds of cases of using fake cards to pay for goods. That's not to mention a series of other online sales sites, which must definitely 'live' with fake cards.

Here are some methods that online service providers in the world often use to verify the authenticity of payment cards when conducting online transactions .

1. 'Positioning' IP address

In the e-commerce world, knowing the geographic information of buyers can help prevent fraudulent acts. Current geolocation technology can provide accurate geographic information from the computer IP address that users use to order products, so that the areas listed can be categorized. 'black list'. Locating by IP address can also determine the user's exact location or calculate the distance between an online buyer's order address and the actual location of the person making the transaction. The results will help sellers can apply more (security) stronger identification or suspicious account lockout.

2. Compare the national IP address with the invoice delivery address

An IP address is the unique network identifier issued by the ISP to users each time they access the Internet. So you need to make sure that the national IP address and billing address of the invoice are the same. Using web fraud detection services such as FraudLabs can help you detect the national IP address of a customer. If the shipping address and the customer's billing address are in the US, but the orderer has an IP address in Russia, then this is definitely a typical fraud. Often, if the orderer is not in a foreign country, the seller should call to confirm the credit card user information for accuracy.

3. Check the 'blacklist' version

You should always pay attention to orders delivered to overseas addresses. You must be more cautious if the shipping address is in 'traditional' countries about electronic fraud. According to ClearCommerce, a list of 12 countries leading the blacklist of online frauds are: Ukraine, Indonesia, Yugoslavia, Lithuania, Egypt, Romania, Bulgaria, Turkey, Russia, Pakistan, Malaysia, and Israel . The 12 regions with the lowest online fraud rates are: Austria, New Zealand, Taiwan, Ireland, Spain, Japan, Switzerland, South America, Hong Kong, England, France and Australia.

4. Anonymous or free e-mail address

Please note that if online shoppers use free anonymous e-mail addresses such as hotmail.com or yahoo.com, tracking is virtually impossible. Most electronic fraud cases use free email services rather than paid e-mail. In theory, anyone using an email address (web-based) or a forwarded (forwarded) address can access that ISP's address.

While there are many legitimate customers who use e-mail addresses for free because of their convenience and economy, most fraudulent people use free e-mail addresses to remain anonymous. However, most businesses when ordering products have their own domain name and in case they do not, they do not use the free e-mail address. For these reasons, you need a method to collect more information when the free e-mail address is used, such as the customer's ability to determine the geographic location. You also need to pay attention to newly registered domain names, because fraudsters can easily register a new domain name with a stolen credit card to create a new business entity.

5. Check the anonymous proxy server

You need to check if an orderer uses an anonymous proxy server, because this type of server allows Internet users to hide the real IP address. The main purpose of using a proxy server is to hide yourself, to avoid detection. While big-name businesses use this method to protect their intranet, fraudsters use proxy servers for the purpose of hiding.

6. Check delivery address

Of course, fraudsters often avoid being detected but the core is to receive the goods. One way to do this is to use a public mailbox, or use a forwarding forwarding address. Remember to never send goods to a public mailbox (except you can identify that it belongs to a familiar customer) or forwarding addresses because you can't determine it then real address and identity of consignee.

7. Exact phone number, valid ZIP code

Usually, the shipper will detect orders with invalid ZIP code, or the mismatch between the ZIP code and the area code. These cases are obviously potentially more fraudulent. In addition, if the phone used to communicate here is VOIP (as it is still very popular today), delaying the time of shipping, especially expensive items, will be a wise decision.

8. Compare the name of the country issuing the card with the country name in the invoice

Another important point to remember is to check the name of the country where the credit card is issued and the name of the country in the billing address. Their names need to be identical. This is important because many small banks often do not have strict certification procedures.

9. Call the credit card issuing bank

If the seller feels suspicious about the order, he or she can call the bank that issued the credit card in case the cards are stolen. The phone number of the issuing bank is usually based on the first six digits of the card, commonly known as the Bank Identification Number (Bank Identification Number - BIN).

10. Request more information if you feel there is a problem

When trading, only customers' names and credit card numbers are afraid that it will not be enough. The seller needs to ask the customer to confirm by phone or fax a photo identification if he feels the transaction is problematic.

Van Han