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An e-shop trading over 60,000 stolen and legitimate digital identities, called Genesis, is making successful credit card fraud easier to conduct, researchers said.

This marketplace as well as other malicious tools involve abusing the machine-learning based anti-fraud approach of “digital masks,” a unique, trusted customer profile based on known device and behavior characteristics, said researchers at Kaspersky Lab.

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Every time someone enters financial, payment and personal information in an online transaction, advanced, analytic, machine learning anti-fraud solutions match that person against something called a digital mask. These masks are unique to each user and combine the fingerprints of devices and browsers commonly used to make payments/bank online (i.e. screen and OS information, a range of browser data like headers, time zone, installed plugins, window size, etc.) with advanced analytics and machine learning (the individual user’s cookies, online and computer behavior, etc.).

That way, the financial organizations’ anti-fraud teams can determine whether it is truly that person entering their credentials, or a malicious carder trying to buy goods using a stolen card, and either approve or deny the transaction, or send it on for further analysis.

Cyber Security

However, the digital mask can be copied or created from scratch, and Kaspersky Lab’s investigation found cybercriminals are actively using such digital doppelgangers to bypass advanced anti-fraud measures.

In February, Kaspersky Lab research uncovered the Genesis Darknet marketplace – an online shop selling stolen digital masks and user accounts at prices ranging from $5 to $200 each. Its customers simply buy previously stolen digital masks together with stolen logins and passwords to online shops and payment services, and then launch them through a browser and proxy connection to mimic real user activity. If they have the legitimate user’s account credentials, the attacker can then access their online accounts or make new, trusted transactions in their name.

“We see a clear trend of carding fraud increasing around the world,” said Sergey Lozhkin, security researcher at Kaspersky Lab. “While the industry invests heavily in anti-fraud measures, digital doppelgangers are hard to catch. An alternative way to prevent the spread of this malicious activity is to shut down the fraudsters’ infrastructure. That is why we urge law enforcement agencies across the world to pay extra attention to this issue and join the fight.”

Other tools enable attackers to create from scratch their own unique digital masks that won’t trigger anti-fraud solutions. Kaspersky Lab researchers have investigated one such tool, a special Tenebris browser with an embedded configuration generator to develop unique fingerprints. Once created, the carder can simply launch the mask through a browser and proxy connection and conduct any operations online.

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