Wat is e-handelsbedrog en hoe om dit te voorkom?

Ontdek wat bedrog is, hoe gebeur dit en wat is die beste instrumente vir die voorkoming van bedrog?

As jy inteken op 'n diens vanaf 'n skakel op hierdie bladsy, kan Reeves and Sons Beperk 'n kommissie verdien. Sien ons etiese verklaring.

E-handelsbedrog kan jou winspunt laat sak. Swendelaars kan kliëntedata steel, jou besigheid met duisende dollars aan goedere bedrieg en jou aanspreeklik maak vir die terugbetaling van slagoffers van identiteitsdiefstal. Hierdie finansiële en reputasieverliese kan met 'n paar eenvoudige oplossings voorkom word.

Wil u voorkom dat e-handelsbedrog met u kliënte plaasvind? Jy behoort! Lees hierdie gids om alles oor e-handelsbedrog te leer deur te verstaan ​​hoe om dit te voorkom.

Wat is e-handelsbedrog?

E-handelsbedrog, of betalingsbedrog, is 'n kommersiële transaksie-bedrogspul oor die internet met die doel om klantdata, soos kredietkaartinligting of Sosiale Sekuriteitsnommer, te steel om finansiële of persoonlike gewin te verkry, terwyl dit die onderste lyn van die handelaar negatief beïnvloed.

Sulke bedrog bly a algemene probleem and cause quite a lot of damage. It’s a very obvious case of “work smarter, not harder”, where it’s much easier to prevent misfortunes, rather than deal with their consequences. In this article, you’ll get a brief idea of different kinds of frauds, how to spot them, and will also figure out how you possibly can protect yourself and your business.

Tipes e-handelsbedrog

To cash in on the fraud, scammers have to be creative in order for everything to go as smoothly as possible. You’ll find new scamming strategies emerging every couple of months or so. But most aren’t so imaginative and use the old and tested strategies. Here’s a list of the most prominent ones to be wary of.

Rekeningoornamebedrog

The fraudsters try to gain access to the customer’s account usually containing their financial or identificational information, soos kredietkaartinligting, adres of Social Security Number. Daarna koop en steel hulle die goedere, wat dikwels daartoe lei dat jy die kliënt terugbetaal en inkomste verloor.

Nuwe rekeningbedrog

Afgesien van toegang tot reeds bestaande rekeninge, kan bedrieërs ook nuwes skep deur die klantdata wat hulle gesteel het, te gebruik. Dit kan ongelukkig weer daartoe lei dat jy verantwoordelik is vir die terugbetaling van die werklike eienaar van die informatioon.

Kredietkaartbedrog

Nog 'n vorm van bedrog is wanneer 'n swendelaar die produkte wat met die gesteelde kredietkaartinligting gekoop is, na hul adres herlei. Soms kan hulle voortgaan om verskeie kaarte te probeer om te sien watter een beter werk (of enigsins werk) om 'n buitensporige aankoop te doen.

Triangulasie-bedrog

Hierdie tipe bedrog is diviverdeel in verskeie stappe:

  1. A scammer creates a fake retail website that steals customers’ information wanneer hulle 'n bestelling plaas.
  2. Die swendelaar beveel die slagoffer hul aankoop van 'n wettige webwerf soos Amazon of van ander kleinhandelwebwerwe. Dit word gedoen om agterdog te vermy en om 'n kliënt vir die langste moontlike tydperk onbewus te hou dat hul inligting gesteel is.
  3. After that, phished data is used for the scammer’s own purchases.

Terugbetaalbedrog

A stolen card is used to buy a product just to demand a refund to an alternative payment method. That way, the sum goes directly to the perpetrator’s account. With this strategy, they are simply withdrawing money from the card via converting them into a purchase and back. A particularly unpleasant one, as the vendof twee keer moet betaal, aan die bedrieërs en aan die kliënt wie se data gesteel is.

Terugvoerbedrog

The one that’s also known as friendly fraud. This one usually happens without stolen info or third-party purchases and is quite simple. So, the customer buys something from the website just to dispute the transaction with their bank later. This way they might be able to get a refund and keep their goods for free.

Geaffilieerde bedrog

You need to be cautious if you’re working with affiliates as not all of them may be legitimate. It’s convenient to get a commission for each purchase using stolen credit card info. In case it happens, you’ll have to return all of the funds to the real owners of the stolen cards.

Opsporing van e-handelbedrog

Now that you’ve got a better idea of what ecommerce fraud is, it’s time to learn the red flags that help you spot fraudulent activity.

Inkonsekwente data oor 'n nuwe bestelling

Pay attention to customer data. It doesn’t guarantee that a person is necessarily trying to conduct some kind of fraud, but once you’ve noticed it you can analyze the rest of their purchases and activity to make conclusions. Look out for things like ZIP and address not matching, IP address being different, or card registered in one country, while the shipping is placed to another.

Inkonsekwente gedrag van bestaande kliënte

It’s true that people can be unpredictable, but sometimes the case is much easier – it’s not them making new purchases. If you see a sudden shopping spree from a customer who buys stuff occasionally, you might want to contact them directly to ask whether it’s really them.

Inkonsekwente data van bestaande kliënte

Sudden changes in account info may also hint at some unwanted activity taking place. It’s always better to check twice and ask the customer to confirm their identity. Although people change addresses and credit cards, it doesn’t happen that often and requires a closer look.

Veelvuldige afleweringsadresse

As 'n rekening heeltemal te veel adresse daaraan gekoppel het, kan jy dit dalk 'n tjek gee, veral as die saak met 'n reeds bestaande rekening gebeur. Die beste idee sal wees om dadelik die kliënt te kontak.

Veelvuldige kaarte

Om veelvuldige kredietkaarte vir verskillende doeleindes te hê, is heeltemal in orde, maar om hulle gereeld te verwissel en nuwes hier en daar by te voeg, sal beslis 'n mate van bewustheid verhoog. Sulke aktiwiteit van beide nuwe en bestaande rekeninge vereis 'n beter inspeksie.

Veelvuldige afgekeurde transaksies

If you can track an account with a great amount of declined transactions linked to one or various cards, then the chances are extremely high that it’s a so-called credit card cracking or card testing. A scammer is trying out which of the stolen cards are working. The best decision would be either to contact the owner of the account or simply freeze it.

Hoe om e-handelsbedrog te voorkom - Topwenke

Spotting the problem is great. It’s definitely a first step towards the improvement of your Internet security. But how exactly should you deal with it? You’ll see the best fraud detection tactics listed below.

Verbeter webwerf sekuriteit

Better encryption of customers’ data via SSL and HTTPS lessens the chances of it getting stolen and makes it much more inconvenient for scammers to even try. On top of that, it’s quite cheap. The average cost of an SSL certificate is about $60 per year, but it varies greatly and can drop down quite drastically. In any case, it will probably save you much more money and time, while also bringing the feeling of security.

Gebruik 2FA vir klanterekeninge

Two-factor authentication may feel annoying and unnecessary sometimes. Customers can’t reach their accounts instantly and this may push them away. That’s why many websites make this function an option instead of a standard. Still, it’s better to use anything you can to prevent your informatnie in die hande van ongewenste derde partye kom nie.

Gebruik veilige betaalpoorte

Secure payment gateways are some of the most potent fraud prevention tools. It’s one of the easiest ways to spot a scammer and cut any ways for them to use your website. It may be a requirement to enter a CVV code or other kind of confirmation from the customer. Despite the fact it also slows down the whole process, it’s a time-tested method and can save a fortune for both customers and vendoors.

Verifieer kliënt informatioon

There are a number of services that help a customer verify their identity. For example, Address Verification Service works to check whether the address entered by the customer is linked to the cardholder’s credit card account and the geolocation checks out.

Moniteringsaktiwiteit

Monitering van kliënteaktiwiteit en om hul patrone te verstaan, is een van die maklikste maniere om wettige kliënte te onderskei van diegene wat bedrieglike transaksies doen. Een van die beste metodes staan ​​bekend as snelheidskontroles of snelheidsbeperkings - dit is die meganisme om afwykings of ooreenkomste van bedrogagtige aktiwiteit op te spoor. As daar dus te veel aankope vanaf 'n sekere rekening was of die betaling verskeie kere in 'n ry geweier is, sal die stelsel dit as 'n potensiële gevaar vlag.

Moenie sensitief in stoor nieformatioon

As jy kliënt stoor information op jou webwerf, kan dit gesteel word. Probeer dus vermy om privaat in te stoorformatioon soos SSN of kredietkaart informatioon op jou databasis, anderwise, kan jy aanspreeklik wees in die geval van 'n data-oortreding. Dit is die beste om derdepartydienste te gebruik om betalings te doen – dit is veilig en jy loop nie die risiko om klante te verloor informatioon aan swendelaars.

Outomatisering van bedrogopsporing

Die belangrikheid van monitering is reeds in sommige van die vorige punte genoem, maar dit kan mee na 'n ander vlak geneem word e-handel outomatisering. There’s an array of various fraud detection software that is available on the market right now and make the whole process a lot faster.

Kliënte-onderwys

Om beide kliënte en jouself te beskerm sal dit 'n goeie idee wees om hulle op te voed oor bedrog in 'n hulptoonbank sentrum. For example, send them an email to explain that you’ll never contact them repeatedly to ask for their password or other private info. Of course, not all of the clients will read it, but some will and therefore it’s worth it.

Beste praktyke vir die voorkoming van e-handelsbedrog

Creating a fraud-resistant working environment is extremely important. As the ways scammers phish customers’ information get more and more elaborate, it’s necessary to keep up with all of the new schemes and to know how to effectively protect your business. The best solution would be to create an action plan to deal with the problem immediately.

Skep 'n plan

Skep 'n plan vir alle stadiums van bedrog.

Om te voorkom dat bedrog plaasvind, streef almal na sekuriteit: gebruik SSL en HTTPS, tweefaktor-verifikasie en betalingspoorte. Jy moet ook probeer om bedrogaktiwiteit raak te sien sodra dit plaasvind, let dus goed op om transaksies te monitor en outomatiseer ideaal hierdie proses.

Om impak te verminder, let daarop om jou kliënte op te voed oor hoe om hul privaat in te stoorformation, wat om te doen as hulle informatioon gesteel is, en wat is die beleide van jou diens.

Wanneer die bedrog reeds vermoed word, is die eerste ding om te doen om die rekening te vries. Daarna moet die kliënt gekontak word en gevra word vir verifikasie van hul aktiwiteit. Al die kliënte moet hul identiteit kan bevestig.

Nadat die bedrog plaasgevind het, moet die kliënt en jy in een span wees en probeer om 'n swendelaar te vang. As jy die polisie gaan betrek, probeer om soveel in te kryformation about the scammer as possible, for example, they might have left their address or other info in the cracked account. It really matters as the outcome of the situation will impact how much revenue you’ll spend on refunds.

Doen gereeld risikobepaling

Keep an eye on your security level as even good plug-ins can become a weak spot after some time. Don’t let any informatioonlekkasies vind plaas en doen gereelde ondersoeke van al die dele van jou stelsel om bedrogrisiko's te vind.

Lei werknemers op

As gevolg van die feit dat sommige swendelary kliëntediens behels, werknemers op te lei om te voorkom dat u bedrieg word, moet ook 'n gereelde praktyk wees. Hulle moet weet watter aksies om te neem, afhangende van 'n tipe verdagte aktiwiteit en altyd versigtig wees terwyl hulle met herleiding van aankoopoproepe en soortgelyke sake hanteer.

Bly op datum

The only way to protect your business from scammers is to know what they are up to. Take reading about the latest schemes as a habit and you’ll do yourself a great favor. Here, it’s the more you know the better.

Beskerm u besigheid

If there are ways to help yourself then why ignore them? Staying in one place may seem convenient and even reliable, but it’s certainly a matter of time before you realize how much you’re at risk by not taking any steps toward developing your security system. With new scamming tactics arising rapidly, you might lose a fortune on refunds and court cases instead of investing in informatioonbeskerming en die skep van beter toestande vir beide jou en jou kliënte. Dit kan aanvanklik disoriënterend wees, maar met 'n bietjie moeite kan jy jou besigheid na 'n heel nuwe vlak van betroubaarheid neem.

Michael Doer

Michael Doer is 'n onafhanklike inhoudbemarker wat skryf oor digitale bemarking, e-handel en besigheidsadvies. Bereik hom op LinkedIn om oor enigiets te vra.