Tell HN: Automatic fraud detection is making my life hell

Post by MrRolleyes » Sat, Oct 28, 2023, 2:12 AM UTC

quags wrote: post #141

dreamcompiler wrote: post #131

Wrong assumptions programmers make about fraud prevention: -- A mobile phone number uniquely identifies a single person. -- Every person has a mobile phone number and they only have one mobile phone number. -- If a person's mobile phone number is associated with VoIP or Google Voice, that indicates fraud. -- Every person always has their mobile phone handy and it is always able to receive calls and SMS messages under…

All these can be the wrong assumptions for sure. Working in a space with some fraud though I can tell you the majority of users verify fine and there ate only the few percentage that don’t for any number of reasons some what you have given above. For smaller vendors though things to consider are - a charge back can come up to 6 months later. A loss of that is not only a loss of funds but a charge back fee - too many…

Post by qingcharles » Sat, Oct 28, 2023, 2:18 AM UTC

k8svet wrote: post #124

cangeroo wrote: post #122

Earlier quoted context omitted.

Can't you open an account with Revolut?

Trust me, I'm taking notes! I've tried researching this, but "credit card company that sends TOTP over email" is not really Google-able. Revolut is on my list now, though. Thanks!

Post by wingworks » Sat, Oct 28, 2023, 2:34 AM UTC

cangeroo wrote: post #154

k8svet wrote: post #124

Earlier quoted context omitted.

Trust me, I'm taking notes! I've tried researching this, but "credit card company that sends TOTP over email" is not really Google-able. Revolut is on my list now, though. Thanks!

Welcome to 21st century! I travel with debit cards from 3 different banks for this reason. Look for banks that issue virtual cards that can be used with Apple Pay / Google Pay. But you also need ideally two physical cards, since one bank may block your physical card for "fraud" while traveling, and now you're stuck and unable to buy a train ticket. Credit cards are only necessary for car rentals, which is a major pai…

Post by SantalBlush » Sat, Oct 28, 2023, 2:45 AM UTC

matheusmoreira wrote: post #221

cj wrote: post #213

Earlier quoted context omitted.

It’s acceptable to reject a candidate because they’re not “a friend of a friend”, but it’s not acceptable to reject a candidate because they submitted an application with an IP address from Pakistan with a VOIP phone number?

In the first case, you're not rejecting candidates at all. Nor are you treating them like potential fraudsters.

Post by nitwit005 » Sat, Oct 28, 2023, 2:45 AM UTC