What Is That 3-Digit Code On A Credit Card Called Credit Card Fraud Prevention Using PHP and MYSQL Database

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Credit Card Fraud Prevention Using PHP and MYSQL Database

Credit card fraud has become common on the Internet. According to MasterCard International, billing fraud has increased 369% since 1995. This has become one of the fastest growing types of fraud and one of the most difficult to combat. According to GartnerG2, more than $700 million in online sales were lost to fraud in 2001, or 1.14 percent of total annual online sales of $61.8 billion. Even if the credit card company has authorized the card to be valid, fraudulent cards can be used on your website in a number of ways. The card may be lost or stolen, but the owner of the card has not yet reported the loss. Or the number on the card (and not the card itself) was raised without the knowledge of the owner. There is also a scam called identity theft, where the card is issued under false pretenses using someone else’s identity and information.

As an online merchant, you must have a system in place to verify the authenticity of orders to protect your business. While the effort may require additional time and money, it can save you the cost and stress of charging back fraudulent orders. He lost his physical products; lose the selling price; lose another business opportunity; and incur an additional $15-$50 chargeback fee. If the chargeback rate is high, the card company may even blacklist you and terminate your merchant account. In addition, you must take the time to search for the order and provide the requested information to the card company. All of these concerns are things you can certainly do without.

How can you protect your business from credit card fraud? Here are some steps you can take to make sure the transaction is being requested by the real cardholder.

Suspicious shipping address.

According to ClearCommerce Corporation, an e-commerce payment processing and fraud protection software company, orders from Ukraine, Indonesia, Yugoslavia, Lithuania, Egypt, Romania, Bulgaria, Turkey, Russia and Pakistan are highly fraudulent and often have unverifiable addresses.

Untraceable email address.

For many fraudulent orders, the customer’s email address is often found on one of the free email services, such as hotmail.com and yahoo.com, which are relatively untraceable.

Expensive items.

Be careful with expensive orders, especially expensive branded products.

More items.

For example, it can be a bad omen if someone orders three X-Boxes or three DVD players at the same time, especially where the items have a high resale value.

Express delivery.

Most fraudulent orders specify same-day or 1-day shipping without hesitation.

The shipping address is different from the billing address.

The pickup point and billing address are different for fraudulent orders. If you are selling valuable items, it may be a good idea to ship only to the cardholder’s billing address.

Suspicious billing address.

The title seems too simple or invalid. If the billing address is 123 Main St, New York, the order is likely fraudulent. Use the online locator to see if the address can be verified.

Leave it at the door or mailbox.

If the courier service cannot guarantee the delivery of the goods, the risk of fraud is very high.

The advancement of geo-targeting on the internet allows us to pinpoint the geographic region for ordering. The information can be used to reduce fraud by verifying the billing address and shipping address. This method can be used to identify the scenario where someone from country X has stolen credit card data from country Y. The IP address lookup service will reveal the real country instead of relying on the country filled in on the order form.

IP2Location(TM) provides technology that translates IP address country to country of origin. The lookup table is available in several formats such as database and COM. The perfect solution for automating fraud detection using client-side programming languages ​​such as C++ and Visual Basic; or service-side programming languages ​​such as ASP, PHP, JSP, and CFML.

For example, Company XYZ received a credit card order from the IP address 161.139.12.3. Order details are as follows:

Name: John Ma

Address: Fő utca 123

City: New York

Postal code: 11111

Country: United States

Phone: (503) 111-1111

Credit card number: 1234 5678 9012 3456

Expiry date: December 2010

Your credit card merchant processor will authorize this order if the billing address matches the order details. Fortunately, the credit card information was previously stolen by Mr. ABC from another country via the Internet. He later used the information to purchase digital products from XYZ. His order was approved by the merchant because all the information matched John’s record in his bank database. IP2Location(TM) technology can pre-filter the difference between the country of order and country of record to protect your business. You can qualify this type of order for manual inspection before the goods are shipped. You will be surprised how much this method can help you identify fraudulent orders.

In this tutorial, we use the IP2Location(TM) IP-Country database to retrieve the country of origin from a visitor’s IP address. Instead of loading the entire database with over 50,000 records, we could simplify this tutorial by assuming there are only two different IP address ranges in the world. IP addresses from 0.0.0.0 to 126.255.255.255 are from the United States. Meanwhile, IP addresses 127.0.0.0 – 255.255.255.255 are from Japan. Here we create an “IP2Location” database with an “IPCountry” table consisting of two IP address range records.

Step 1: Create and connect to the “IP2Location” database

mysql> CREATE DATABASE IP2Location

mysql> CONNECT IP2Location

Step 2: Create ‘IPCountry’ table

mysql> CREATE TABLE IPCountry

–> (

–> ipFROM DOUBLE NOT NULL,

–> ipTO DOUBLE NOT NULL,

–> countrySHORT VARCHAR(2) NOT NULL,

–> countryLONG VARCHAR(100) NOT NULL,

–> PRIMARY KEY (ipFROM, ipTO)

–> );

Step 3: Import the “ipcountry.csv” database into the “IPCountry” table

mysql> INSERT INTO IPCountry VALUES (0, 2130706431,’USA’,’UNITED STATES’);

mysql> INSERT INTO IPCountry VALUES (2130706432, 4294967295,’JP’,’JAPAN’);

The full version of the IP-Country database can be subscribed for $49/year from http://ip2location.com. If you have the full version of the IP2Location(TM) IP-Country database, the import process is much easier with the LOAD DATA function available in MYSQL.

mysql> LOAD DATA INFILE “/IPCountry.csv” INTO TABLE IPCountry END OF FIELDS ‘,’ ‘”” END OF ROWS ‘r’;

We create a script to compare the search country with the data entered in the order authorization process. It serves as a filter to reduce fraud. Merchants manually review all rejected orders.

verify.asp

<?php // country in billing address, in this example, we assigned "US" for United States. <br />$billingCountrySHORT = &#8220;USA&#8221;;<br /> <br />// Replace this MYSQL server variable with the actual configuration<br /> <br />$mysql_server = &#8220;mysql_server.com&#8221;;<br /> <br />$mysql_user_name = &#8220;Username&#8221;;<br /> <br />$mysql_user_pass = &#8220;Password&#8221;;<br /> <br />// Get the visitor&#8217;s IP address from the REMOTE_ADDR server variable<br /> <br />$ipaddress = getenv(REMOTE_ADDR);<br /> <br />// Convert an IP address to an IP number to query the database<br /> <br />$ipno = Dot2LongIP($ipaddress);<br /> <br />// Connect to the database server<br /> <br />$link = mysql_connect($mysql_server, $mysql_user_name, $mysql_user_pass)<br /> <br />or die(&#8220;Failed to connect to MySQL database&#8221;);<br /> <br />// Connect to the IP2Location database<br /> <br />mysql_select_db(&#8220;IP2Location&#8221;) or die(&#8220;Failed to select database&#8221;);<br /> <br />// SQL query string to match recordset<br /> <br />// the IP number is within the valid range<br /> <br />$query = &#8220;SELECT * FROM IPCountry WHERE $ipno <= ipTO AND $ipno>=ipFROM&#8221;;<br /> <br />// Execute SQL query<br /> <br />$result = mysql_query($query) or die(&#8220;IP2 location query failed&#8221;);<br /> <br />// Get the recordset (only one)<br /> <br />$row = mysql_fetch_object($result);<br /> <br />// Keep the country information in two different variables<br /> <br />$countrySHORT = $line->countrySHORT;<br /> <br />$countryLENGTH = $line->countryLENGTH;<br /> <br />// Free recordset and close database connection<br /> <br />mysql_free_result($result);<br /> <br />mysql_close($link);<br /> <br />if ($countrySHORT == $billingCountrySHORT)<br /> <br />// The IP address matches the country in the billing address<br /> <br />// Low fraud risk<br /> <br /> else<br /> <br />// The IP address is different from the country in the billing address<br /> <br />// High fraud risk</p> <p>// Function to convert IP address (xxx.xxx.xxx.xxx) to IP number (0 to 256^4-1)<br /> <br />function Dot2LongIP ($IPaddr)</p> <p>if ($IPaddr == &#8220;&#8221;)<br /> <br />return 0;<br /> <br /> else<br /> <br />$ips = split (.&#8221;, &#8220;$IPaddr&#8221;);<br /> <br />return ($ips[3] + $ips[2] * 256 + $ips[1] * 256 * 256 + $ips[0] * 256 * 256 * 256);</p> <p>?><br /> <br />

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