- Credit Card Fraud Detection.resized.png (156.79 KiB) Viewed 7241 times
FRAUD DETECTION MECHANISM
The anti-fraud system is working in any e-commerce and online shop which receive adding a credit card "CCFDs - Credit Card Fraud Detection Service"
Its duty to provide percentages for fraudulent probability, which is counted by FRAUD SCORE (FS) based on the main access legality factor. For instance, if FS shows more than 2.5, it will be suggested to hold your order or conduct verification through a phone call, or request ID CARD belonging to the owner of CC.
The lists of reasons why your order gets canceled, on-hold, declined, etc
1- Geographic Source -IP, A country which IP belongs to and a country you're entering in the shop must be the same
2- E-mail Domain, they look provider of your e-mail ( If it's a free email provider like hotmail.com or like this)
3- Anonymous Proxy, if IP of the customer in the blacklist.
4 -High-Risk countries, for example, ******, Ukraine, Moldova, Belorussia, Columbia, Egypt, Indonesia,
Livan, Macedonia ...
5- Distance, the distance between IP location and shipping address.
6- Bin Number Match, country of bank emitted the card, and country of IP (check by BIN).
7- Carder Email, if entered e-mail is in the database of famous carders.
8- Open Proxy, check IP on public proxy
9- Spam, checking IP in spam blacklist
FS MEASUREMENTS
Free Email = 2.5
Country Doesn't Match = 2.5
High Risk Country = 5
Min (distance,5000) /MaxEarth,20037 =10
BIN Doesn't Match = 2
Carder Email =5
Proxy Score = 2.5
