Identification of Cloned Payment Page in Ecommerce Transaction

IntroductionElectronic commerce is the application of information and communications technology from the point of customer's login to the point of customer's receiving the goods along electronically with manually processing system (Wigand, 1997). In other words, payment-related problems and sellers unknown were reasons for consumers disinterest in e-commerce. Therefore, building trust became necessary since consumer perceived risks are high in buying goods and services online (Zhongwei, 2006; Suh & Han, 2003). That is why (Gefen, 2002) redefined customer's trust as depending on the components of the ecommerce transaction environment. The environment refers to the activities of the components of ecommerce transaction website and the CMRR is an essential component in e-commerce transaction (Akazue, 2015). Thus, in this paper, a CMRR component of e-commerce model is used to serve as an advisory tool that identify cloned payment page in e-commerce transaction. The process that the CMRR uses to distinguish cloned payment page from legitimate payment page in e-commerce transaction was highlighted.Related WorksCharacteristics of the Online SystemOnline system relies on the Internet and thus, the unpredictability and the doubt associated with the Internet is a key challenge faced by e-commerce. These Internet characteristics have introduced issues related to consumer and merchant trust, as well as opinions of risk and security (Claessens, Dem, Cock, Preneel & Vandewalle, 2002). Thus, (Radwan & Mumtaz, 2010) proposed the use of a model to test the capability and limitation of e-commerce sites using design and content among others. Akazue (2015) surveyed existing fraud prevention models that can check merchant integrity within the transaction system in ecommerce models. Analysis of the findings showed that merchant integrity is not verified within e-commerce model to the awareness of the customer. Thus, a CMRR component, which consistently checks the merchants that upload goods and services, was introduced as an additional component to existing e-commerce model (Akazue, Aghaulor & Ajenaghughrure, 2015). Building Customer and Merchant Online TrustThere is need to establish trust around the environment in which e-commerce transactions is operating to attract people to explore the medium for their transaction. This is due to factors such as distance between customers and merchants, identifying genuine customers and merchants, protection of customer's privacy and financial details, protection of transaction process to prevent hijacking, and the like. Some online activities could be for positive motives or for negative motives. Thus, there is need for clear distinction between these two motives in other to ascertain trust in e-commerce environment.Different types of models have being designed to enhance customer and merchant trust from cloning of website or payment page to ensuring the authenticity of the credit card used (Jithendra, 2006). According to Claessens et al. (2002), online activities are available to customers and merchants through mediums such as the websites and ATM. The features of each environment (website and ATM) are based on several factors such as the users and types of transaction, as well as the transaction medium. Rehab et al. (2010) compared the characteristics of electronic payment system and address verification system (AVS) technique in preventing online fraud in "card not present" (CNP) transactions. The findings showed that electronic payment system provides protection in lost/stolen card fraud, credit card validation, skimming fraud, assumed identity/counterfeit cards fraud, IP tracking and email notification.According to Dejan (2005), the Capabilities and limitations of some security protocols such as Secure Electronic Transaction (SET), Secure Sockets Layer (SSL), 3D SET, Visa's 3D Secure and MasterCard's Secure Payment Application (SPA) showed that the 3D SET is better in mitigating fraudulent activities. …