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Black Black


Walker

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An idea came to me while dealing a potential fraudster. Why was there not a black book of sorts among GSP's?

Lists of suspicious/caught fraudsters with their information.

 

I can already think of some negative points here, for example companies divulging client information.

 

However, if the companies were to amend their privacy policies or Terms and conditions to include the sharing of information with such and such a site, then every one would be in the clear.

 

Still a system like this is clearly at risk of being abused. (ie putting people on a list because they just don't like them ect)

 

So comments on the idea? Would it be too hard to impliment- should i even try? - how can some of the issues be resolved?

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What your asking to do is have a group of people contribute to a "project" that's sole purpose is to collect, hold and distribute personal information on individuals which for all intents and purposes is against the law.

 

Now, Consider the fact that a good portion of fraud is from stolen CC's you would in effect be collecting information on the people that have nothing to do with fraud and I'm pretty sure would be understandably pissed at having their personal details in a database somewhere so I would suggest checking with an attorney before proceeding.

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What your asking to do is have a group of people contribute to a "project" that's sole purpose is to collect, hold and distribute personal information on individuals which for all intents and purposes is against the law.

 

 

Equifax, Trans-Union, and Experian would disagree with you there Rich. And the Term I believe is NON-Public Personal Information. ;)

 

 

 

But the GSP report thing really won't work. Best thing is to report them to collections and credit agencies.

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Farfetched way of doing this here, but what if we did it by clan? That doesn't reveal any personal info, no more than one can snag off a CAL team page, clan website etc. So you take owners name, find out their clan, and list their clan name in a db. Only issue is people change clans so often.

 

Oh well, spitting out ideas, do with it what you will :)

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Non public information would be the way to go! First off, i would like to take the example of Las Vegas' Black Book. Though i do believe that is a state run thing, so i am not sure about the laws concerning that. If i were to create a data base for this purpose, i would hardly make it public. Only invited people would have accessed to it.

 

Plus i would keep its publicity to a minimal. Some terms of services include such things as "we reserve the right to refuse service to any customer if we deem you unfit"

So any gsp using the black book would not have to give the source of their decision to refuse customer a service.

 

Though i will check with an attorney, but i think UK law is more flexible.

 

Clan idea would work except for the fact that 1 new clan is created every 15 seconds.

 

These are all just more suggestions being thrown out there.

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US laws would be tricky as far as doing somethig like this on your own. However with the amount of large companies that frequent these forums maybe a talk with a business laywer and a number of companies would be of a benefit to see what can and cannot be done legally?

 

We too get our share of fraudulent orders. Most times it is a stolen credit card which there is nothing you can do about except try to be more pro-active in catching them, but some are simply people that order the service, use it for a month or two and then try reversing the charges.

 

I know loosing $$$ sucks but it is a fact of life in any online business. Keep in mind that any chargebacks are tax write-offs here in the US at the end of the year.

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Equifax, Trans-Union, and Experian would disagree with you there Rich. And the Term I believe is NON-Public Personal Information. ;)

 

 

 

But the GSP report thing really won't work. Best thing is to report them to collections and credit agencies.

 

Don't get me wrong I'd be the first one to jump on something like this but as we all know this industry is so unstable I really doubt it would be something viable and even if it was brought out I don't see it as a substitute to some of the other tools available that effectively screen orders in real time. Having a database of known fraudsters would be a good idea but in practice how many of you are going to disable your auto installers and take the extra time to check each order when they come in?

 

My advise to anyone getting high chargebacks is to incorporate some type of fraud screening into your ordering system and educate yourself better on how to tell the difference between a legit transaction and fraud.

 

Either way I like the train of thought and thinking involved in this. It's good to see people interested some of the boring parts of this industry ;)

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