Clipping of news on Brazilian Culture, Law and Citizenship
24/03/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Online shopping : fraud with credit cards Photo: David Paul Morris / Bloomberg News
RIO - In 2013, 46 million online transactions were certified by ClearSale , totaling R $ 353 million . In Rio , 3.42 % of the negotiations have actually attempted fraud , slightly above the rate of the entire Southeast region, which is 3 % . São Paulo was 3.18 %, Minas Gerais, with 2.13 %, and Holy Spirit , with 2.04 % . North and Northeast appear as the two areas of the country with more attempted coups in online commerce, with 5.2 % and 5 % . The Midwest recorded 3.4% and the South , 1.5 % .
According to the survey " attempted fraud and volume of purchases in Brazilian e-commerce in 2013 ," which examines the behavior of the sector over the past year from transactions analyzed by ClearSale , the most common type of fraud is the unauthorized use of data and the most popular items are computer products, mobile phones, automotive parts and airfare .
Although lead percentile ranking of attempted fraud , the North is only 4 % of all online sales in the last 12 months. The Northeast got 15 % of the transactions , the Midwest , with 7 % , and the South with 13 % . Have the Southeast accounted for 61 % of e-commerce in the country in 2013 .
Rafael Lorenzo , director of the Intelligence Statistic ClearSale , which holds over 70 % of the authentication market sales and its customers the largest retailers in the country , says that internet purchases can be made by a person other than the owner of the credit card . Until the fraud is identified by the holder , the product has got to the fraudster . For him , there is no prejudice because you get the money back . Have the retailer gets the loss, because as the purchase is made at a distance , unsigned or password, the risk is assumed by sellers.
Evaluation system
Lawrence explains that all sales made by their clients are subjected to a system that evaluates factors such as the amount , the item and the delivery location . Based on information such as these, it is estimated by means of an automatic propensity for fraud. Other trading undergo manual validation with the customer data being checked by a person .
- Companies that sell cell only have up to 40 % of its sales subjected to validation of a call center . Already major retailers only 10% to 15 % of transactions are passed to validation. The others are automatically approved . 85% to 90 % of transactions are automatically approved .
Lawrence says that the rate of fraud by state is formed based on how many clicks are perceived as attempted fraud :
- Grouped transactions by delivery status and see how many attempts were buying fraud attempts , how many foreclosed transactions .
To validate a purchase, ClearSale also uses information stored in its own database .
- We use not only data for the purchase being evaluated , but also data from previous purchases . In the case of manual validation , the analyst can call the fraudster as to the true owner of the card either , based on information recorded in its history - says Lawrence.
Blocking reasons
The Executive acknowledges that this validation process can be a bad block, but says it is difficult for this to occur . When consumers are sure that there is no reason that your purchase is blocked , guides , he should contact the SAC company and ask what is the origin of the blockade .
- A blockage can occur for two reasons , suspected fraud , ClearSale by , for example, or by own credit card , for lack of limit. Banks and card issuers also have mechanisms to prevent fraud.
The most suspicious blocking profile , according to Lawrence , is the person who buys the first time to enter the region at risk.
- We know that there is a black market for data coming from different sources , the internet and even sold with CDs from street vendors . In retail , there are those who take picture of the front and back of the card the consumer to try to defraud or when a purchase made by phone and the consumer spends his data.
Read more about this in http://oglobo.globo.com/economia/defesa-do-consumidor/rio-registrou-maior-taxa-de-tentativas-de-fraudes-no-comercio-on-line-no-sudeste-em-2013-11963975#ixzz2wsXzFzKC
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Source : The Globe - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.