I’ve been absent from Fish Wrap for several weeks, my small school of fish and I have been busy relocating to a larger aquarium. I’ve been moving from dawn till until well into the nighttime hours, my Darwinesque feet are so sore that they scream when I stand on them… I should have stuck with the tail. What can I say, evolution, it happens.
The reason the move was so tough was because we own an on-line bookstore called Madeline West Online which has a library of about 3,000 books. We own a second library of about 1,500 books that are unappraised and not yet listed for sale. When I move it’s like having to move twice because there’s the entire household that has to be transplanted then their is a fully operational bookstore complete with our own little post office operation that has to be transported as well.
During our transition from Little Falls to Royalton our little website suddenly saw an increase in the number of orders coming through. We also noticed something else; a host of fraudulent transactions that prompted conversations with the FBI and the Secret Service … gulp. Here’s what I learned.
Those who steal credit cards numbers don’t need your personal information…although it probably helps. They have computer programs that “tumble numbers” changing a couple numbers in the sequence until that hit a legitimate credit card number and BINGO!
Essentially, they’ve been using my website by adding books to their shopping cart then running potential card number sequences until they find one that makes it through processing. To date they haven’t found one that works… they’ve struck pay-dirt on at least 12 different Visa credit cards. The only reason I knew they weren’t legitimate orders was because the name and shipping addresses consisted of the letters sfd sdf. The country of origin on 11 transactions was Australia the other was from somewhere in Denmark.
I’m relieved that there was no real name or address because I may have never realized that the transactions weren’t legitimate and would have shipped the books out only to end up having the payment for the books reversed by the credit card company. I would have lost my inventory and found my self repaying Visa for the fraudulent charges. Who ever is running the scam wasn’t processing small orders either, they were placing orders for rare books purchasing 200.00 dollars worth of inventory per transaction. The grand total of fraudulent credit card transactions rests at about 1,200.00.
Following yesterdays conversations with the Secret Service, I have since contacted my website company and requested that they block the thief’s IP addresses to prevent them from using my website to try and come up with additional card numbers. I am sure they will have no problem locating a new host who will jump through the same learning curve of hoops I did in an effort to figure out how to respond and who to talk to.
What I’ve learned from the whole experience is that, as a consumer, it helps to be careful with your credit card information but ultimately our attempts at credit card security may not even be a factor. The Secret Service said that number tumbling isn’t done by someone sitting a computer, rather it is a computer program that runs number sequences. Which means that stealing for these individuals is like playing a game of Bingo or the lottery. Based on the ratio of failed processing attempts on my website, their odd of hitting a legitimate card number appears to be about 5 to 1.
That having been said, check your credit card statement every month …like clock work.
Splashing on Sunday,
Olive Rockfish
November 29, 2007 at 10:31 am
Hi, my name is disman-kl, i like your site and i ll be back
November 29, 2007 at 5:57 pm
Welcome to Fish Wrap!
January 7, 2008 at 5:05 am
I cant believe people commit fraud playing bingo! It unheard of in the UK!
January 7, 2008 at 4:47 pm
Thanks for commenting. Last time I was in the UK I noticed that shoppers aren’t apt to whip out a plastic card to pay for goods. I think that’s smart. We see commercials now that make it seem as though you’re holding up the line if you don’t just swipe your card.
The criminals who used the stolen card numbers were from Australia mainly.
Thanks for dropping us a line,
Olive
January 24, 2008 at 5:59 am
I dont use my card much at all! I withdraw a certain amount and just spend that as I have heard of so many people being ripped off using there cards.
September 28, 2008 at 6:30 pm
Wow, thanks for sharing. It’s scary to think that it’s so easy for these cyber-thieves to fake credit card information. :/
October 15, 2008 at 8:47 am
The really scary part is that you don’t have to use the card at all. They just run a computer program that runs random number combos until they find one that goes through as a valid credit card number. Think about it, there are a finite set of characters in every credit card number…and with so many having credit cards, its like fishing in a kiddie pool.