Page 29 - Cyber Defense eMagazine - December 2017

merchandise shipped directly to them. The fact that many online merchants offer gift
wrapping before shipping makes this all the more convenient.

Another example is an international shopper using their non-US card (with an overseas

billing address) for payment, but requesting a US shipping address. This could be a
fraudulent order from a criminal in a foreign country using a reshipping service to

conceal their location.

This could also be a legitimate international shopper using a reshipping address
because the merchant doesn’t ship products globally, but they still want jump on a great

deal. This example combines the billing/shipping address mismatch of the previous

example with international factors - foreign card and use of a reshipper—which often
raise red flags and thus can get falsely declined.

By responding to the actual size of e-commerce fraud risk, switching to more

sophisticated fraud prevention solutions, and optimizing their manual review policies,
online merchants can both boost their revenue and minimize their losses from

fraudsters this holiday season.

About the Author

Nathan Sykes loves to write about all things technical
and especially about electronic commerce. He is a Tech
and Business Writer at Finding an Outlet, located here:
http://www.findinganoutlet.com and his LinkedIn profile is
found here: https://www.linkedin.com/in/nathan-sykes-
83719a151/

Please visit his website or LinkedIn profile for more
information or to reach him directly or visit his Twitter
feed located here: https://twitter.com/nathansykestech

29 Cyber Defense eMagazine – December 2017 Edition
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