[Asterisk-biz] CC Fraud

[snacktime]

> Like SPEWS.org, maybe it's time for a CC blacklist for the iMerchant
> community.
> 
> Anyone would be able to query the blacklist--a negative response would
> indicate a merchant had chargebacks (or other trouble) on the CC#.
> 
> Anyone would be able to enter a CC# into the database.  A legit. CC
> holder would get off the list simply by changing his CC# with his bank.
> 
> The trouble with this is the vast community of underemployed lawyers.

There aren't any legal issues with this as long as you have specific
defined critieria.  You can't just put someone in a negative database
because you *think* they are fishy or you don't like them.   negative
databases in the bankcard industry are common practice.

The problem is that negative databases don't make sense for stolen
cards.  If a card is stolen get the bank to cancel it or investigate
it.  Negative databases are usually for legitimate cardholders that
simply have a habit of charging back.

Chris