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.

Very nice, good way to stop those freeloaders :P

Good show. :thumbsup

very nice idea

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. :glugglug

I like it escort. Motherfucking fraud assholes.
:thumbsup

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

What if they call on a cell or payphone?

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

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

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.

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

thanks :-)

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

Good Job implementing this EB :thumbsup


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

Great idea :glugglug

"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. :)

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

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 : )

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.

ANI2 will put the bust on those types of calls as well.

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

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.

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 :thumbsup

Patent liscense fee's LOL!
lOTTA MONEY.

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.

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.

Notes the name of the person who posted the reply above. :1orglaugh





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?

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

that system must have cost a lot of money to implement

man where is your sig from? :1orglaugh :1orglaugh

And what will you do with guys calling on a company line??

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

:1orglaugh

:winkwink:

The system is not an 'all-in-one' 'stop all' fraud solution....but it will help prevent a lot of it.

-*- Great idea :thumbsup

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Call the network admin and ask who was using computer @ XYZ IP @ XYZ time to access www.CockCrazy.com?

.... woo they better be careful.

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.

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.

thanks guys :-)

in 2-3 weeks ill compare data and update

Excellent job!

Now...how again did you do this? :Graucho

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

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

that is a sweet ass job lady

good job :thumbsup

Very nice, EscortBiz!

I believe it will have great results.

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 .

'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.

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!:thumbsup

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.