AlgoZone Fraud Screen Service |
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1) Your web store Customer places an order and his/her IP address is recorded in addition to the standard information collected by osCommerce.
2) Once you go to admin -> order review (edit) screen to check the order details, AFS queries AlgoZone server database and gets result with Fraud Level and other information regarding this order.
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The following information is passed to the AlgoZone servers and is used to calculate Fraud Level: IP address, Customer City, Customer ZIP, Customer Country, first 6 digits of credit card and domain(second part) of customer email address.
All information passed to our server is not customer’s specific and not shared with anyone.
Fraud level is calculated based on following parameters:
| E-mail Domain |
E-mail provided at registration matches any of the free e-mail services, such as Hotmail, Yahoo, etc.
NOTE: Most of fraud transactions are
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| Carder E-mail |
Whether e-mail is in database of known carders (credit card fraudster).
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| Geographic Source |
Country of IP address associated with the transaction matches country specified in the billing address.
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| Anonymous Proxy |
IP address associated with the order is Anonymous Proxy.
NOTE: Most of fraud transactions are done with Anonymous Proxy.
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| Open Proxy |
Check of IP Address being an Open Proxy.
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| Spam |
Check of IP Address being a Spam Source.
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| High Risk Country |
IP address or customers country is in high risk country list: Belarus, Colombia, Egypt, Indonesia, Lebanon, Macedonia, Nigeria, Pakistan, Ukraine, Vietnam or Yugoslavia
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| Distance |
Approximated distance between the IP address location and billing location.
NOTE: Very long distances are potential risk of fraud
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| BIN Number Match |
Country of issuing bank matches country of IP address based on BIN number. NOTE: Works only for credit card payments.
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3) You make a decision on the Fraud Level and parameters how to proceed with the order.
4) For additional confirmation, you can request the customer service phone number provided on the back of the card along with the Bank issuer of the card from your customer.
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This information can then be verified against the AlgoZone Fraud Screen database to see if it matches the information we have on record for the BIN.
This provides an additional layer of protection by verifying that the user has physical possession of the credit card.
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