Onlne Check Fraud, This should scare most fraudsters

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  • EscortBiz
    Fuck Checks, CASH only!
    • May 2002
    • 19422

    #1

    Onlne Check Fraud, This should scare most fraudsters

    Four Months ago and $100,000 in check returns later I pulled the check option off all my sites, the fact is surfers figured out that they can easily enter bogus check information and gain access.

    The last thing someone who is defrauding you wants is his phone number to be on file.

    The system I now have in place forces anyone who wants to signup with a check to call in this automated system.

    Nothing is foolproof but I believe instead of seeing 80% returns ill see 5%.

    Feel free to test it by going to http://www.doctortushy.com/joinnow.html scroll down and select the link to join by check.

    Feel free to call in and block your number then enter the code you get online, its all integrated etc.

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  • KaLi
    Confirmed User
    • Aug 2003
    • 4371

    #2
    Very nice, good way to stop those freeloaders :P

    icq:160-417-630

    Comment

    • AaronM
      GFY Royality ;)
      • Oct 2001
      • 46917

      #3
      Originally posted by EscortBiz
      Four Months ago and $100,000 in check returns later I pulled the check option off all my sites, the fact is surfers figured out that they can easily enter bogus check information and gain access.

      The last thing someone who is defrauding you wants is his phone number to be on file.

      The system I now have in place forces anyone who wants to signup with a check to call in this automated system.

      Nothing is foolproof but I believe instead of seeing 80% returns ill see 5%.

      Feel free to test it by going to http://www.doctortushy.com/joinnow.html scroll down and select the link to join by check.

      Feel free to call in and block your number then enter the code you get online, its all integrated etc.

      Good show.

      Comment

      • Theo
        HAL 9000
        • May 2001
        • 34515

        #4
        very nice idea

        Comment

        • JSA Matt
          So Fucking Banned
          • Aug 2003
          • 5464

          #5
          Not a bad idea.. but people will use *67 : )

          PerfectionGirls just started a thread about this... it's getting pretty bad and surfers are catching on quick. Damn grapevine.

          Comment

          • Brad Xtremepay
            So Fucking Banned
            • Dec 2003
            • 2000

            #6
            I like it escort. Motherfucking fraud assholes.

            Comment

            • KRL
              Entrepreneur
              • Oct 2002
              • 31429

              #7
              Interesting idea. Does that phone number system work for checking accounts outside the US also?

              What if they call on a cell or payphone?
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              • EscortBiz
                Fuck Checks, CASH only!
                • May 2002
                • 19422

                #8
                Originally posted by JSA Matt
                Not a bad idea.. but people will use *67 : )

                PerfectionGirls just started a thread about this... it's getting pretty bad and surfers are catching on quick. Damn grapevine.
                LOL did you try?

                Try pressing *67 even 1000 times watch the system play write back your phone number, plus see what happens when you enter the code online

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                Comment

                • sextoyking
                  Confirmed User
                  • Dec 2001
                  • 6034

                  #9
                  Not too bad at all, plus hard to block a # when there calling in toll free
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                  Comment

                  • EscortBiz
                    Fuck Checks, CASH only!
                    • May 2002
                    • 19422

                    #10
                    Originally posted by KRL
                    Interesting idea. Does that phone number system work for checking accounts outside the US also?

                    What if they call on a cell or payphone?
                    Well it only accepts calls from US and Canada and the database I have lists 70% of phones (many smaller companies own them now etc. that dont report to the FCC)

                    I dont care if people use a cell phone, it will still take me right to who owns it, as many here know I can trace any phone.

                    This is more of a Deterrent then anything else, I know ill still see returns and I wont bother running after them but the goal was to deter the person from entering BS and most wont once they see these guys have nmy number.

                    Most will call using *67 and will be shocked what they hear.

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                    Comment

                    • JSA Matt
                      So Fucking Banned
                      • Aug 2003
                      • 5464

                      #11
                      Originally posted by EscortBiz


                      LOL did you try?

                      Try pressing *67 even 1000 times watch the system play write back your phone number, plus see what happens when you enter the code online
                      sorry, I just tried it.. very nice : )

                      Comment

                      • EscortBiz
                        Fuck Checks, CASH only!
                        • May 2002
                        • 19422

                        #12
                        Originally posted by JSA Matt


                        sorry, I just tried it.. very nice : )
                        thanks :-)

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                        Comment

                        • OneHungLo
                          So Fucking Banned
                          • May 2001
                          • 40902

                          #13
                          You're a genius

                          Ive been asking ccbill for years to do something about this shit. I asked them a few yrs ago to at least make them confirm an email address or something that would scare off some of these thieves.

                          this will cut back on probably 99% of the check scamming, the other 1% will just be the deadbeats that don't even have 30 bucks in their checking account

                          Comment

                          • goBigtime
                            Confirmed User
                            • Nov 2002
                            • 7761

                            #14
                            Good Job implementing this EB


                            I wish I could have done it myself but I'm getting real burnt out on adult these days.

                            Comment

                            • Spunky
                              I need a beer
                              • Jun 2002
                              • 133978

                              #15
                              Great idea

                              Comment

                              • Pad
                                elephants dont swat flies
                                • Aug 2003
                                • 1262

                                #16
                                Originally posted by JSA Matt
                                Not a bad idea.. but people will use *67 : )

                                PerfectionGirls just started a thread about this... it's getting pretty bad and surfers are catching on quick. Damn grapevine.
                                "Step 1: Call our 24 hour automated system at 800-392-0419."

                                *67 doesn't work with 800, most use ANI

                                but a calling card or pay phone would work, but nobody will put in that much effort unless they're an afilliate trying to fake signups

                                moo.

                                Comment

                                • Pad
                                  elephants dont swat flies
                                  • Aug 2003
                                  • 1262

                                  #17
                                  basically anybody who knows their shit would get past this without a problem

                                  Comment

                                  • JSA Matt
                                    So Fucking Banned
                                    • Aug 2003
                                    • 5464

                                    #18
                                    Originally posted by Pad


                                    "Step 1: Call our 24 hour automated system at 800-392-0419."

                                    *67 doesn't work with 800, most use ANI

                                    but a calling card or pay phone would work, but nobody will put in that much effort unless they're an afilliate trying to fake signups

                                    moo.
                                    this was already thrown back at me... as I said.. very nice program. I really like it and hopefully some processors will pick up on it.

                                    On that note.. EscortACIA, you better get that patent moving : )

                                    Comment

                                    • goBigtime
                                      Confirmed User
                                      • Nov 2002
                                      • 7761

                                      #19
                                      As far as people calling from cell phones or calling cards - with ANI2 you can identify these types of calls & require the call back from a land line.

                                      I'm not sure if EB set things up like this, but the options are there if it becomes a problem.



                                      I pitched this idea to a couple bigs in the industry but they didn't think it would go over well.

                                      Too bad.

                                      I think that using checks with a verification system like this could become a valid REPLACEMENT for credit card transactions for US and canadian customers.
                                      Last edited by goBigtime; 12-23-2003, 10:14 PM.

                                      Comment

                                      • goBigtime
                                        Confirmed User
                                        • Nov 2002
                                        • 7761

                                        #20
                                        Originally posted by Pad


                                        but a calling card or pay phone would work, but nobody will put in that much effort unless they're an afilliate trying to fake signups
                                        ANI2 will put the bust on those types of calls as well.

                                        Comment

                                        • ztik
                                          Confirmed User
                                          • Aug 2001
                                          • 5196

                                          #21
                                          Regardless of what everyone is saying, i'm sure it will stop alot of check frauders.

                                          I wonder if any of the processors will implement this anytime soon
                                          Last edited by ztik; 12-23-2003, 10:21 PM.
                                          .

                                          Comment

                                          • JSA Matt
                                            So Fucking Banned
                                            • Aug 2003
                                            • 5464

                                            #22
                                            Originally posted by goBigtime
                                            As far as people calling from cell phones or calling cards - with ANI2 you can identify these types of calls & require the call back from a land line.
                                            I called from a cell phone with *67 and it got my number no problem..

                                            Comment

                                            • goBigtime
                                              Confirmed User
                                              • Nov 2002
                                              • 7761

                                              #23
                                              Originally posted by JSA Matt


                                              I called from a cell phone with *67 and it got my number no problem..

                                              Well its more that cell phones are mobile and potentially anonymous... ie "dude.. can I use your phone for a second?"

                                              ANI2 can identify a call from a cell phone, and alert the system, so the system would be able to play back a prompt "Call us back from your land line." for example.

                                              Calls originated from calling cards also have a unique identifier with ANI2.

                                              Comment

                                              • goBigtime
                                                Confirmed User
                                                • Nov 2002
                                                • 7761

                                                #24
                                                Originally posted by ztik

                                                I wonder if any of the processors will impliment this anytime soon
                                                They should.

                                                They also should consider getting in touch with EscortBiz and see if maybe he'll make a deal with them.

                                                From what I know, EB is no stranger to telephony.

                                                Good luck with this

                                                Comment

                                                • AlienQ - BANNED FOR LIFE
                                                  best designer on GFY
                                                  • Mar 2003
                                                  • 30307

                                                  #25
                                                  Originally posted by ztik
                                                  Regardless of what everyone is saying, i'm sure it will stop alot of check frauders.

                                                  I wonder if any of the processors will impliment this anytime soon
                                                  Patent liscense fee's LOL!
                                                  lOTTA MONEY.

                                                  Comment

                                                  • goBigtime
                                                    Confirmed User
                                                    • Nov 2002
                                                    • 7761

                                                    #26
                                                    Also I'm _pretty sure_ that pay phones have their own unique code with ANI2 as well.. so its possible that calls originating from most payphones could be blocked completely.

                                                    Comment

                                                    • BillMePro
                                                      Registered User
                                                      • Dec 2003
                                                      • 67

                                                      #27
                                                      who cares if you have the users phone number, without some sort of active collections you are wasting time
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                                                      Comment

                                                      • chodadog
                                                        Confirmed User
                                                        • Apr 2002
                                                        • 9736

                                                        #28
                                                        Originally posted by BillMePro
                                                        who cares if you have the users phone number, without some sort of active collections you are wasting time
                                                        Can you read? It's a deterrant. Nothing more. Personally, i'd love to see some statistics in the next 2 weeks or so. Keep us posted, EB.
                                                        26 + 6 = 1

                                                        Comment

                                                        • goBigtime
                                                          Confirmed User
                                                          • Nov 2002
                                                          • 7761

                                                          #29
                                                          Originally posted by BillMePro
                                                          who cares if you have the users phone number, without some sort of active collections you are wasting time

                                                          Notes the name of the person who posted the reply above.


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                                                          BillMePro was built around the idea that not everyone surfing the internet today has a credit card or is willing to enter their credit card or bank account information online.

                                                          The fact of the matter is people still prefer paying for services by mailing in payments. Every month millions of people mail in their telephone, cable, water, power and other bills like clock work. Now you can offer your surfers to pay you via this method.



                                                          Listen... I know this whole thing is in direct competition to your own business model....

                                                          but people who commit check fraud do it because other than their IP, its basically ANONYMOUS. If someone has your TELEPHONE NUMBER in connection to your CRIMINAL ACT and lets you know this BEFORE you commit the CRIME, don't you think this might be an effective deterrent?


                                                          IMO, checks using this verification system is AS GOOD if not better than credit cards for US/Candian transactions (depending on how much you despise the CC monopoly)...

                                                          who has a CC that doesn't have a bank account?
                                                          Last edited by goBigtime; 12-23-2003, 10:56 PM.

                                                          Comment

                                                          • BVF
                                                            Black Vagina Finder
                                                            • Jan 2002
                                                            • 13975

                                                            #30
                                                            holy shit, that picked up my number with no problem even with *67

                                                            that system must have cost a lot of money to implement

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                                                            Comment

                                                            • goBigtime
                                                              Confirmed User
                                                              • Nov 2002
                                                              • 7761

                                                              #31
                                                              Originally posted by BVF
                                                              holy shit,

                                                              man where is your sig from?

                                                              Comment

                                                              • KRL
                                                                Entrepreneur
                                                                • Oct 2002
                                                                • 31429

                                                                #32
                                                                And what will you do with guys calling on a company line??
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                                                                • maxjohan
                                                                  Confirmed User
                                                                  • Dec 2002
                                                                  • 7219

                                                                  #33
                                                                  Originally posted by Pad


                                                                  "Step 1: Call our 24 hour automated system at 800-392-0419."

                                                                  *67 doesn't work with 800, most use ANI

                                                                  but a calling card or pay phone would work, but nobody will put in that much effort unless they're an afilliate trying to fake signups

                                                                  moo.
                                                                  serious, I could run for days just to find a pay phone so I can join the tushy.



                                                                  I went from 100 to 313,000 satoshis in 2 days! Lots of daily freerolls...

                                                                  Comment

                                                                  • lEricPl
                                                                    Confirmed User
                                                                    • Dec 2002
                                                                    • 1062

                                                                    #34
                                                                    Originally posted by KRL
                                                                    And what will you do with guys calling on a company line??
                                                                    The system is not an 'all-in-one' 'stop all' fraud solution....but it will help prevent a lot of it.

                                                                    Comment

                                                                    •  Smokey The Bear 
                                                                      So Fucking Banned
                                                                      • Dec 2003
                                                                      • 3880

                                                                      #35
                                                                      -*- Great idea

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                                                                      Comment

                                                                      • goBigtime
                                                                        Confirmed User
                                                                        • Nov 2002
                                                                        • 7761

                                                                        #36
                                                                        Originally posted by KRL
                                                                        And what will you do with guys calling on a company line??
                                                                        Call the network admin and ask who was using computer @ XYZ IP @ XYZ time to access www.CockCrazy.com?

                                                                        .... woo they better be careful.

                                                                        Comment

                                                                        • goBigtime
                                                                          Confirmed User
                                                                          • Nov 2002
                                                                          • 7761

                                                                          #37
                                                                          Originally posted by lEricPl


                                                                          The system is not an 'all-in-one' 'stop all' fraud solution....but it will help prevent a lot of it.
                                                                          It can put things in line with credit cards as far as the fraud rates go.

                                                                          In fact, this system could be used to help prevent credit card fraud as well.

                                                                          Hard to say you didn't make the charge if someone at your house verified it.

                                                                          Oops.. busted.

                                                                          Comment

                                                                          • Madball
                                                                            Confirmed User
                                                                            • May 2002
                                                                            • 748

                                                                            #38
                                                                            It is so sad webmasters have to spend time developing a solution like this on their own budget while billers (even dedicated checking billers (!)) don't seem to give a shit.
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                                                                            Comment

                                                                            • EscortBiz
                                                                              Fuck Checks, CASH only!
                                                                              • May 2002
                                                                              • 19422

                                                                              #39
                                                                              thanks guys :-)

                                                                              in 2-3 weeks ill compare data and update

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                                                                              Comment

                                                                              • scoreman
                                                                                Confirmed User
                                                                                • Nov 2001
                                                                                • 1491

                                                                                #40
                                                                                Excellent job!

                                                                                Now...how again did you do this?

                                                                                Comment

                                                                                • iwantchixx
                                                                                  Too lazy to set a custom title
                                                                                  • Oct 2002
                                                                                  • 12860

                                                                                  #41
                                                                                  That's a pretty sweet system. I called it from my cell. However, it got my number wrong.

                                                                                  506 855 3777 , out of that the 506 is right, the 855 is a number for my city. Maybe it's just unable to grab number from the network my cell is on

                                                                                  Comment

                                                                                  • EscortBiz
                                                                                    Fuck Checks, CASH only!
                                                                                    • May 2002
                                                                                    • 19422

                                                                                    #42
                                                                                    Originally posted by iwantchixx
                                                                                    That's a pretty sweet system. I called it from my cell. However, it got my number wrong.

                                                                                    506 855 3777 , out of that the 506 is right, the 855 is a number for my city. Maybe it's just unable to grab number from the network my cell is on
                                                                                    Yup that can happen but its rare, I just purchased a new DB of cell codes and will only allow certain cell phone prefixes.

                                                                                    thanx

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                                                                                    Comment

                                                                                    • jungar
                                                                                      Confirmed User
                                                                                      • Jul 2003
                                                                                      • 377

                                                                                      #43
                                                                                      myVirtualCard uses a similar telephone authentication application for processing, our system is 100% automated and we have been using it for roughly 6 months.

                                                                                      Seems to be working great! Happy Holidays!

                                                                                      Regards,

                                                                                      Jungar
                                                                                      [email protected]
                                                                                      www.myvirtualcard.com
                                                                                      Last edited by jungar; 12-24-2003, 07:36 AM.

                                                                                      Comment

                                                                                      • Trax
                                                                                        [----------------------]
                                                                                        • Aug 2001
                                                                                        • 14486

                                                                                        #44
                                                                                        that is a sweet ass job lady

                                                                                        good job

                                                                                        Comment

                                                                                        • Jer
                                                                                          God is Brazilian
                                                                                          • Feb 2001
                                                                                          • 10601

                                                                                          #45
                                                                                          Very nice, EscortBiz!

                                                                                          I believe it will have great results.

                                                                                          Comment

                                                                                          • tony299
                                                                                            lurker
                                                                                            • Aug 2002
                                                                                            • 57021

                                                                                            #46
                                                                                            Very nice , I think only about 20% are hardcore fraudsters. For the rest of the people I think this will be very effective. I think you will start to see lots of innovation in check processing because eventually that maybe the only form of recurring payment .

                                                                                            Comment

                                                                                            • S.L.L.D
                                                                                              Confirmed User
                                                                                              • Mar 2002
                                                                                              • 119

                                                                                              #47
                                                                                              'we can't verify the phone number you are calling from, goodbye.'

                                                                                              calling from Argentina

                                                                                              Comment

                                                                                              • EscortBiz
                                                                                                Fuck Checks, CASH only!
                                                                                                • May 2002
                                                                                                • 19422

                                                                                                #48
                                                                                                Originally posted by S.L.L.D
                                                                                                'we can't verify the phone number you are calling from, goodbye.'

                                                                                                calling from Argentina
                                                                                                Yup most payphones will get the same message and as time goes on different cel phones will be blocked too and many calling card access numbers.

                                                                                                Thats why I mention on my site US and Canada only.

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                                                                                                Comment

                                                                                                • HarlotCash Dyker
                                                                                                  Confirmed User
                                                                                                  • Sep 2003
                                                                                                  • 1828

                                                                                                  #49
                                                                                                  This system will work very well - Of course, it will have a few failures because of not being able to locate the correct #
                                                                                                  But to get a perfect system to locate all would take a phenominal outlay, far exceeding what you could recoup in checks alone over several years.

                                                                                                  Eb has created a deterrent, which will stop a very high % of fraudsters from continuing a transaction .

                                                                                                  Nice job and best of luck!
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                                                                                                  Comment

                                                                                                  • BradShaw
                                                                                                    Confirmed User
                                                                                                    • Oct 2001
                                                                                                    • 7840

                                                                                                    #50
                                                                                                    Good idea if you are really worried about check returns. Ours are not that high. I have been running checks forever, and at one point playing with things, got up to 40% of our joins with checks.

                                                                                                    Not perfect, but good. I would think you lose some legit people who are too lazy to call, or would have to log offline to call.
                                                                                                    Sig too big

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