Using Risk Signals to Detect Fraud Across Signup, Login and Checkout

Summary

An IPQS-sponsored article outlines using email, phone, device, location, session, identity and payment signals at signup, login and checkout, with risk-based verification to detect fraud while limiting friction for legitimate users.

Key points

• At signup, assess email domain age, mailbox activity and breach exposure, along with phone carrier type, activity and porting history.
• For login defense, use device, location, timing and session-pattern deviations as signals of possible account takeover.
• Credential stuffing and residential proxy networks can make account takeover attempts harder to stop with rate limits or IP filtering alone.
• At checkout, compare identity and payment details, shipping and IP geography, device history, payment velocity and prior chargebacks.
• The article recommends risk-tiered responses, reserving stronger verification or blocking for sessions with higher composite risk.

MITRE ATT&CK

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