The Fraud Protection utility within the FastCharge
system allows you implement safety precautions when accepting
mail order/telephone orders (MO/TO) or Internet transactions.
Due to the inherent risk associated with these transaction
types, it is recommended that you begin to develop a negative
database to help you identify and prevent high-risk transactions.
This feature works with the automated Address Verification
System (AVS) to help you avoid chargebacks and fraudulent
transactions. High-risk Customers can be disallowed from
purchasing items based on credit card number, name, and
Fraud Protection Tools
Select the fraud protection tool you wish to use from
the main console. The first screen you see is a report
of all data you are currently blocking for the fraud protection
tool you selected.
When you determine that you would like to add specific
information to this negative database, select the appropriate
tool from the drop down menu and you will be presented
with a report screen that has a data entry box labeled
Add at both ends. Enter the type of data that corresponds
with your selection as described below.
Automatic Merchant Fraud Protection
- Credit Card Numbers - You may block any credit
card you wish. You may look up credit card numbers
of problem clients with the Account Management and
Reports tools. Enter the credit card number exactly
as it appears on the card or in a report. Click Add
and the credit card will be added to your negative
database and will be prevented from making future
- Name - Adding a customer name to your database
is performed in the same manner as adding credit card
numbers. Occasionally you may wish to add the name
of a problematic company or customer to your list,
so that they will be prevented from purchasing regardless
of form of payment.
- Country - You can enable the blocking of
orders from certain countries to which you do not
wish to ship or accept credit cards. This feature
may be very useful due to the limited recourse you
may have legally and with credit card disputes originating
from purchases made by foreign customers. To enable
the blocking of a specific Country simply select that
feature from the bottom of the Fraud Protection console
and then use the arrow to the right of the entry box
to scroll through the list of countries. When you
have found the country you wish to block simply click
on it. You may also type the abbreviations if necessary.
In addition to the merchant-initiated protection mechanisms
described in this section, several automatic features
have been incorporated into the Merchant Fraud Protection
module to block out customers exhibiting suspicious buying
- A feature to block a credit card that is submitted
and declined twice within 24 hours using different
- A feature to check City and State entries for validity
against the zip code entered.
- A feature to check area codes for validity against
the zip code entered.
Sockets Layer (SSL) technology is the industry-standard
method for protecting web communications developed by
Netscape Communications Corporation.
The SSL security protocol provides data encryption, server
authentication, message integrity, and optional client
authentication for a TCP/IP connection. Because SSL is
built into all major browsers and web servers, simply
installing a digital certificate turns on their SSL capabilities.
SSL comes in two strengths, 40-bit and 128-bit, which
refer to the length of the "session key" generated by
every encrypted transaction. The longer the key, the more
difficult it is to break the encryption code.
Most browsers support 40-bit SSL sessions, and the latest
browsers, including Netscape Communicator 4.0, enable
users to encrypt transactions in 128-bit sessions - trillions
of times stronger than 40-bit sessions.