Cybercriminals create platform for automating rogue credit card charges

The developers claim it can emulate human interaction to trick payment gateways

Cybercriminals have a new tool to make the most of stolen credit card details before payment processors detect the fraud, security researchers warn.

A Web-based application called the Voxis Platform is being advertised on underground forums as a tool for cashing out money from stolen credit cards by automating fraudulent purchases, according to security researchers from cybercrime intelligence firm IntelCrawler.

There are three main parties involved in every online transaction: the buyer, the seller and a payment processing provider that operates a payment gateway. In order to receive money from transactions, the seller needs to have a merchant account registered with the payment gateway.

Cybercriminals can steal merchant accounts or open rogue ones by setting up dummy e-commerce sites and using fake identity documents or money mules. Their main problem, however, is racking up a large number of fraudulent charges before they're detected and their merchant accounts get closed, the IntelCrawler researchers said in a blog post.

The Voxis Platform appears to have been designed specifically to overcome that problem. Its creators claim that it supports 32 different payment gateways and has the ability to emulate human interaction "to make it look like real humans are sending their credit card information to the payment gateways."

The platform started being advertised on underground forums in August and allows cybercriminals to charge predetermined amounts from credit cards loaded into the system at chosen time intervals, emulating real purchases. It even uses people search services like Pipl.com to automatically fill in missing card information.

The large payment card breaches at U.S. retailers like Target and Home Depot have generated demand on the underground market for ways to quickly monetize stolen credit card information. This has led cybercriminal groups to pool their resources in order to build tools like the Voxis Platform, the IntelCrawler researchers said. E-commerce companies and payment gateway operators should revise their merchant account verification practices and fraud-detection methods in light of such changes in cybercriminal toolsets, they said.

Join the Good Gear Guide newsletter!

Error: Please check your email address.

Tags IntelCrawlersecurityIdentity fraud / theftfraud

Our Back to Business guide highlights the best products for you to boost your productivity at home, on the road, at the office, or in the classroom.

Keep up with the latest tech news, reviews and previews by subscribing to the Good Gear Guide newsletter.

Lucian Constantin

IDG News Service
Show Comments

Essentials

Microsoft L5V-00027 Sculpt Ergonomic Keyboard Desktop

Learn more >

Lexar® JumpDrive® S57 USB 3.0 flash drive

Learn more >

Mobile

Lexar® JumpDrive® S45 USB 3.0 flash drive 

Learn more >

Exec

Lexar® JumpDrive® C20c USB Type-C flash drive 

Learn more >

HD Pan/Tilt Wi-Fi Camera with Night Vision NC450

Learn more >

Lexar® Professional 1800x microSDHC™/microSDXC™ UHS-II cards 

Learn more >

Audio-Technica ATH-ANC70 Noise Cancelling Headphones

Learn more >

Budget

Back To Business Guide

Click for more ›

Most Popular Reviews

Latest News Articles

Resources

PCW Evaluation Team

Azadeh Williams

HP OfficeJet Pro 8730

A smarter way to print for busy small business owners, combining speedy printing with scanning and copying, making it easier to produce high quality documents and images at a touch of a button.

Andrew Grant

HP OfficeJet Pro 8730

I've had a multifunction printer in the office going on 10 years now. It was a neat bit of kit back in the day -- print, copy, scan, fax -- when printing over WiFi felt a bit like magic. It’s seen better days though and an upgrade’s well overdue. This HP OfficeJet Pro 8730 looks like it ticks all the same boxes: print, copy, scan, and fax. (Really? Does anyone fax anything any more? I guess it's good to know the facility’s there, just in case.) Printing over WiFi is more-or- less standard these days.

Ed Dawson

HP OfficeJet Pro 8730

As a freelance writer who is always on the go, I like my technology to be both efficient and effective so I can do my job well. The HP OfficeJet Pro 8730 Inkjet Printer ticks all the boxes in terms of form factor, performance and user interface.

Michael Hargreaves

Windows 10 for Business / Dell XPS 13

I’d happily recommend this touchscreen laptop and Windows 10 as a great way to get serious work done at a desk or on the road.

Aysha Strobbe

Windows 10 / HP Spectre x360

Ultimately, I think the Windows 10 environment is excellent for me as it caters for so many different uses. The inclusion of the Xbox app is also great for when you need some downtime too!

Mark Escubio

Windows 10 / Lenovo Yoga 910

For me, the Xbox Play Anywhere is a great new feature as it allows you to play your current Xbox games with higher resolutions and better graphics without forking out extra cash for another copy. Although available titles are still scarce, but I’m sure it will grow in time.

Featured Content

Latest Jobs

Don’t have an account? Sign up here

Don't have an account? Sign up now

Forgot password?