Despite what the article seems to claim, it appears to be describing the most basic anti-fraud measures which are easily defeated by basic fraudster tools and techniques.<p>&gt;User ID<p>1 account per card per IP, basic stuff.<p>&gt;IP address<p>Vip72 is a pretty basic example of a commercial solution, more advanced people either source fresh IPs from bots or scan for SSH tunnels.<p>&gt;Geo location<p>While not as trivial to defeat, most &quot;serious&quot; fraudsters either operate their own mule networks or pay for access to one. There&#x27;s no lack of stupid people.<p>&gt;A tracking cookie<p>lol?<p>&gt;Credit card number<p>There&#x27;s no lack of credit cards, even if you&#x27;re paying $30 for a no-AVS card with full VBV info that still costs less than a TV.