How to Protect Yourself Against Online Criminals
Credit card fraud is a growing problem for online businesses and can hurt your business in many ways.
Fraudulent credit card transactions are costing e-commerce businesses many millions of dollars annually.
So, it is very important to verify the cardholder's identity.
You can use software programs to detect fraudulent orders or you can manually check each transaction for possible fraud.
Here are some steps that you can take as a merchant to reduce credit card fraud:
1) Check the buyers IP Address Location. Does this location match the cardholder’s location?
2) Check the buyers e-mail domain. Criminals will use a free e-mail provider.
3) IP Address indicating anonymous or open proxies?
4) Check the bank identification number.
5) Call the credit card holder. You can ask the cardholder to verify the order.
6) Fax authorization with signature. You can ask the cardholder to verify the order by sending a signed fax.
7) Make your anti-fraud policy visible.
8) Utilize anti-fraud services.
Furthermore, you should be alert for transactions with one or more of these characteristics:
1) A first-time customer places the order.
2) Unusual or large orders.
3) Customer is asking for rush delivery.
4) Orders placed using free e-mail services.
5) Transactions made using similar credit card account numbers.
More info about credit card fraud:
www.scambusters.org/www.merchant911.org/www.maxmind.com/www.merchantfraudsquad.com/www.merchantsense.com/www.cardcops.com/
Nothing is 100% effective, but the above will at least assist in decreasing the amount of credit card fraud you experience online.
John Iacovakis is an Internet consultant and has over 10 years of marketing experience. He is the owner of CreativeNet Online Advertising and Website Traffic
Article Source: http://EzineArticles.com/?expert=John_Iacovakis
Saturday, October 25, 2008
How Google Detects Invalid Clicks and Click Fraud
A lot of Google AdSense publishers are banned from the Google AdSense program for click fraud. Some of these Google AdSense publishers manage to get their AdSense account reinstated. However, majority of them failed to do so. As a result, they are banned from the Google AdSense program.
Google does not reveal any specific details on how they define click fraud. They do not disclose their proprietary click fraud detection technology as well. As a result of that, publishers would not be able to report any click fraud activities on their website.
However, Google does provide general definition of invalid clicks. It may be a good idea to learn how they define invalid clicks and how they detect click fraud.
Google defines invalid clicks as:
Manual clicks intended to increase publisher's advertising
Clicks by automated tools, robots, or other deceptive software.
So how does Google detect click fraud activities on your website? How would they know which clicks are invalid? Google AdSense team uses three powerful tools to detect invalid clicks:
Detection and Filtering Tool: Each click on an AdSense ad is monitored by Google system. Google will record the IP of each click, the time of the click, duplicate clicks and various click patterns. Google will use these factors and filter out potential invalid clicks.
Advanced Monitoring Tool: Google uses its proprietary software to monitor click fraud activity. They are constantly working to improve their click fraud detection technology.
The Google Team: In addition, Google has a team that uses specialized tools and techniques to examine individual case of click fraud. When Google system detects potentially invalid clicks, a member of this team will examines the affected account.
There are few innocent publishers whose AdSense account has been terminated because of a sudden spike in their AdSense earnings. This sudden jump in AdSense earnings is due to the sudden jump in website traffic. The spike in their AdSense earnings would probably raise the red flag in Google click fraud detection system and had their accounts terminated. If you think your AdSense account is terminated unfairly, Google provides you a way to make your appeal:
http://www.google.com/support/adsense/bin/request.py?contact=invalid_clicks_appeal
A Piece of Advice
When you are making your appeal via email, you should stay calm and plan the right strategy. You should be patient when dealing with Google and most importantly you should be polite when communicating with them. You may take initiative to provide them with all the documents they need.
AdSense Money Guide for AdSense profits. Answers to Frequently Asked Questions about Google AdSense at http://www.ppcdollar.com.
Article Source: http://EzineArticles.com/?expert=Casey_Yew
A lot of Google AdSense publishers are banned from the Google AdSense program for click fraud. Some of these Google AdSense publishers manage to get their AdSense account reinstated. However, majority of them failed to do so. As a result, they are banned from the Google AdSense program.
Google does not reveal any specific details on how they define click fraud. They do not disclose their proprietary click fraud detection technology as well. As a result of that, publishers would not be able to report any click fraud activities on their website.
However, Google does provide general definition of invalid clicks. It may be a good idea to learn how they define invalid clicks and how they detect click fraud.
Google defines invalid clicks as:
Manual clicks intended to increase publisher's advertising
Clicks by automated tools, robots, or other deceptive software.
So how does Google detect click fraud activities on your website? How would they know which clicks are invalid? Google AdSense team uses three powerful tools to detect invalid clicks:
Detection and Filtering Tool: Each click on an AdSense ad is monitored by Google system. Google will record the IP of each click, the time of the click, duplicate clicks and various click patterns. Google will use these factors and filter out potential invalid clicks.
Advanced Monitoring Tool: Google uses its proprietary software to monitor click fraud activity. They are constantly working to improve their click fraud detection technology.
The Google Team: In addition, Google has a team that uses specialized tools and techniques to examine individual case of click fraud. When Google system detects potentially invalid clicks, a member of this team will examines the affected account.
There are few innocent publishers whose AdSense account has been terminated because of a sudden spike in their AdSense earnings. This sudden jump in AdSense earnings is due to the sudden jump in website traffic. The spike in their AdSense earnings would probably raise the red flag in Google click fraud detection system and had their accounts terminated. If you think your AdSense account is terminated unfairly, Google provides you a way to make your appeal:
http://www.google.com/support/adsense/bin/request.py?contact=invalid_clicks_appeal
A Piece of Advice
When you are making your appeal via email, you should stay calm and plan the right strategy. You should be patient when dealing with Google and most importantly you should be polite when communicating with them. You may take initiative to provide them with all the documents they need.
AdSense Money Guide for AdSense profits. Answers to Frequently Asked Questions about Google AdSense at http://www.ppcdollar.com.
Article Source: http://EzineArticles.com/?expert=Casey_Yew
Monday, October 6, 2008
Online fraud is becoming a major threat for the growing eCommerce industry, not only in US but also globally. As eCommerce is growing, managing online sales is becoming a big challenge for online retailers. According to Cyber Source Corporation's report, the percent of revenue loss because of online fraud is decreasing, but the actual total value of dollar loss resulting from online payment is increasing by 20% a year. The survey is conducted on US and Canada online markets.
• The revenue lost due to online fraud decreased from 3.6% in 2004 to 1.4% in 2007, but the total value of dollars lost due to online payment is increased by 20% a year. That means the loss has grown from $1.5 billion in 2004 to $3.6 billion in 2007.
• Chargebacks forms the major part of the online fraud. Usually, a chargeback occurs when a buyer asks their credit card company to remove a charge from their credit card statement. The average percent of total chargebacks account for 47% in the entire online fraud in 2007 down from 53% in 2006. But the rate is high when compared to 43% in 2005. The value of chargebacks account for $1.7 billion in 2007.
• Another threat to the eCommerce is the rejection of valid orders by online retailers. This is done because of the fear of fraudulent orders. The overall order rejection rate has been increasing over the past 3 years, from 3.9% in 2005 to 4.1% in 2006 and 4.2% in 2007.
• It is also found that the percentage of orders accepted by online merchants but later
determined to be fraudulent is growing. It is 1.3% in 2007 compared to 1.1% in 2006.
• The number of order rejections is increasing corresponding to the people using eCommerce globally. Online merchants are reporting that international order rejecting rate for 2007 is 11%, that means two and half times higher than domestic rejection rate, which is 4.2% that includes the online markets of US and Canada.
Online retailers are facing revenue losses in different ways due to online fraud. In order to cut down fraud significantly and to reduce its impact on eCommerce industry, end-to-end technology solutions, awareness among the online retailers and the online buyers are required.
http://www.marvist.com/ is an internet marketing firm providing professional and affordable search engine optimization services to increase search engine ranking of the website, pay per click management to help companies to increase online sales and improve their profitability. Marvist was founded in 2005 and has been rapidly growing since then and has clients now in 11 countries including USA, Canada, UK, Spain, Japan, Australia and New Zealand.
Reasons Why You Need Fraud Protection for Your Online Business
Credit card fraud in online purchases is one of the fastest growing fraud industries currently. If you are running an online business having fraud protection is vital to the success of your business. While fraud protection services may add to your overhead and if you are a small online business you may be asking why you would need to worry about it considering the cost.
1. The fact is that a charge back from the use of a fraudulent credit card can be more expensive to you than paying for fraud protection services, so it's important to weigh this decision carefully.
2. Not only does fraud protection protect you from the charge backs but it also protects your customers. As a business owner online, you have the responsibility of protecting your customers pertinent information as best as possible.
Your customers will shop with the piece of mind knowing that their information is secure. There is a variety of services out there so it is a good idea to do some research on the type of services available and the type that you might want to invest in.
If you run, an online business you want to have the protection of having someone be there to take care of fraudulent activity, protect your company from charge backs and protect your customers.
3. In the end, fraud protection will save your company time, energy, and profits as well as providing the peace of mind your customers need to know they can shop safely at your online business.
There are also a variety of ways to provide fraud protection from separate services or through shopping cart and credit card processing services. Which is right for you are determined by the type and size of your business as well as the amount of credit card processing your company does. Even if your company is small having fraud protection to protect you and your customers is a necessary business resource.
Written by Albert Smithston. Find the latest ways you can prevent online fraud with the superb credit card fraud protection from fraudlabs.
Article Source: http://EzineArticles.com/?expert=Albert_Smithston
Why Online Fraud Protection?
Internet fraud has no limits and its anonymity has left many individuals and businesses in jeopardy. For E-commerce businesses it is necessary to have online fraud protection as the percentage of internet fraud keeps growing with time.
Getting online fraud protection helps improve the consumer confidence in your online business. If you have an e-commerce business that provides online fraud protection then you will have a higher percentage of consumer trust than those who do not provide online fraud protection. Online fraud protection will help you check for suspicious orders and help minimize the affects of fraud on your business. With online fraud protection you can provide protection to your customers against credit card theft and this will help protect you and your customers against potential fraud.
There are various kinds of internet frauds that you need protection against that include fake websites, online auctions and lotteries, emails asking for personal information, insecure servers and businesses claiming to give away hefty amounts of money as rewards.
Online Fraud Protection – Save yourself now!With a few easy and significant steps you can get online fraud protection against potential threats. Here’s what you can do:
• Websites beginning with ‘http’ are secure and before filling in any personal information on a webpage, you should check for its authenticity and security
• Do not trust emails asking for personal information even if they claim to be from your bank. Always call up your bank or the intended source to verify these as legitimate companies will never ask for personal information via emails
• It is not wise to trust the links given in emails. To check for authenticity, directly type the URL of the company’s website
• Don’t forget to inspect the credit card bills and other financial records that you get every month in order to protect yourself against credit card scam
• Report suspicious emails or mishaps in financial records immediately and in case of credit card scam suspicion contact your credit card issuer immediately
• Do not give out your credit card number online unless the website is secure
Tools used for Online Fraud Protection
Various software and tools are used that can protect you and your business from internet fraud. Email filters are great for detecting spam and potential fraud emails. Anti-virus and anti-spy software helps protect you against any possible virus and spy threats that might possibly pass any important information. For online fraud protection these software are essential especially while downloading. Keep these softwares updated and install a firewall that will help monitor all the incoming and outgoing traffic from your computer.
No one can ensure you a 100% online fraud protection; however taking all the needed action on your part will greatly ensure protection against any potential risk of fraud.
Online Fraud Protection and Credit Card Scam Security with Instabill's merchant accounts.
Article Source: http://EzineArticles.com/?expert=Sara_K
• The revenue lost due to online fraud decreased from 3.6% in 2004 to 1.4% in 2007, but the total value of dollars lost due to online payment is increased by 20% a year. That means the loss has grown from $1.5 billion in 2004 to $3.6 billion in 2007.
• Chargebacks forms the major part of the online fraud. Usually, a chargeback occurs when a buyer asks their credit card company to remove a charge from their credit card statement. The average percent of total chargebacks account for 47% in the entire online fraud in 2007 down from 53% in 2006. But the rate is high when compared to 43% in 2005. The value of chargebacks account for $1.7 billion in 2007.
• Another threat to the eCommerce is the rejection of valid orders by online retailers. This is done because of the fear of fraudulent orders. The overall order rejection rate has been increasing over the past 3 years, from 3.9% in 2005 to 4.1% in 2006 and 4.2% in 2007.
• It is also found that the percentage of orders accepted by online merchants but later
determined to be fraudulent is growing. It is 1.3% in 2007 compared to 1.1% in 2006.
• The number of order rejections is increasing corresponding to the people using eCommerce globally. Online merchants are reporting that international order rejecting rate for 2007 is 11%, that means two and half times higher than domestic rejection rate, which is 4.2% that includes the online markets of US and Canada.
Online retailers are facing revenue losses in different ways due to online fraud. In order to cut down fraud significantly and to reduce its impact on eCommerce industry, end-to-end technology solutions, awareness among the online retailers and the online buyers are required.
http://www.marvist.com/ is an internet marketing firm providing professional and affordable search engine optimization services to increase search engine ranking of the website, pay per click management to help companies to increase online sales and improve their profitability. Marvist was founded in 2005 and has been rapidly growing since then and has clients now in 11 countries including USA, Canada, UK, Spain, Japan, Australia and New Zealand.
Reasons Why You Need Fraud Protection for Your Online Business
Credit card fraud in online purchases is one of the fastest growing fraud industries currently. If you are running an online business having fraud protection is vital to the success of your business. While fraud protection services may add to your overhead and if you are a small online business you may be asking why you would need to worry about it considering the cost.
1. The fact is that a charge back from the use of a fraudulent credit card can be more expensive to you than paying for fraud protection services, so it's important to weigh this decision carefully.
2. Not only does fraud protection protect you from the charge backs but it also protects your customers. As a business owner online, you have the responsibility of protecting your customers pertinent information as best as possible.
Your customers will shop with the piece of mind knowing that their information is secure. There is a variety of services out there so it is a good idea to do some research on the type of services available and the type that you might want to invest in.
If you run, an online business you want to have the protection of having someone be there to take care of fraudulent activity, protect your company from charge backs and protect your customers.
3. In the end, fraud protection will save your company time, energy, and profits as well as providing the peace of mind your customers need to know they can shop safely at your online business.
There are also a variety of ways to provide fraud protection from separate services or through shopping cart and credit card processing services. Which is right for you are determined by the type and size of your business as well as the amount of credit card processing your company does. Even if your company is small having fraud protection to protect you and your customers is a necessary business resource.
Written by Albert Smithston. Find the latest ways you can prevent online fraud with the superb credit card fraud protection from fraudlabs.
Article Source: http://EzineArticles.com/?expert=Albert_Smithston
Why Online Fraud Protection?
Internet fraud has no limits and its anonymity has left many individuals and businesses in jeopardy. For E-commerce businesses it is necessary to have online fraud protection as the percentage of internet fraud keeps growing with time.
Getting online fraud protection helps improve the consumer confidence in your online business. If you have an e-commerce business that provides online fraud protection then you will have a higher percentage of consumer trust than those who do not provide online fraud protection. Online fraud protection will help you check for suspicious orders and help minimize the affects of fraud on your business. With online fraud protection you can provide protection to your customers against credit card theft and this will help protect you and your customers against potential fraud.
There are various kinds of internet frauds that you need protection against that include fake websites, online auctions and lotteries, emails asking for personal information, insecure servers and businesses claiming to give away hefty amounts of money as rewards.
Online Fraud Protection – Save yourself now!With a few easy and significant steps you can get online fraud protection against potential threats. Here’s what you can do:
• Websites beginning with ‘http’ are secure and before filling in any personal information on a webpage, you should check for its authenticity and security
• Do not trust emails asking for personal information even if they claim to be from your bank. Always call up your bank or the intended source to verify these as legitimate companies will never ask for personal information via emails
• It is not wise to trust the links given in emails. To check for authenticity, directly type the URL of the company’s website
• Don’t forget to inspect the credit card bills and other financial records that you get every month in order to protect yourself against credit card scam
• Report suspicious emails or mishaps in financial records immediately and in case of credit card scam suspicion contact your credit card issuer immediately
• Do not give out your credit card number online unless the website is secure
Tools used for Online Fraud Protection
Various software and tools are used that can protect you and your business from internet fraud. Email filters are great for detecting spam and potential fraud emails. Anti-virus and anti-spy software helps protect you against any possible virus and spy threats that might possibly pass any important information. For online fraud protection these software are essential especially while downloading. Keep these softwares updated and install a firewall that will help monitor all the incoming and outgoing traffic from your computer.
No one can ensure you a 100% online fraud protection; however taking all the needed action on your part will greatly ensure protection against any potential risk of fraud.
Online Fraud Protection and Credit Card Scam Security with Instabill's merchant accounts.
Article Source: http://EzineArticles.com/?expert=Sara_K
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