The Way Fingerprinting Helps to Fight Online Fraud

Online fraud is no longer a rare occurrence — today it is a daily risk for companies in e-commerce, iGaming, online banking, delivery, and other digital services. Fraudsters use various schemes: from account takeover and bonus abuse to transaction duplication and affiliate program fraud. All this directly damages businesses and undermines user trust.

To combat these threats, companies are increasingly turning to device fingerprinting. This technology, which helps people to secure their data, is highly recommended by the fraud protection services provided by the Frogo platform, which collects unique characteristics of a user’s device for its precise identification. Unlike simple IP address or cookie analysis, device fingerprinting allows you to identify suspicious devices and behavior even before an incident occurs.

Fraud risk management platform such as Frogo implements this approach as part of a broader anti-fraud system. It monitors device behavior, identifies anomalies, and helps block fraudulent activity in real time. Such solutions are especially important for industries with many transactions and registrations, where every vulnerable element can become an entry point for attackers.

The Growing Threat of Online Fraud

Online fraud is not just a problem, but a real headache for businesses. According to analysts, losses from payment schemes alone could exceed 40 billion USD per year by 2027. Moreover, not only do large corporations suffer, but also small businesses. Fraudsters are not asleep and are constantly finding new loopholes. Here are just some of the most common schemes:

• Account takeover. Hackers gain access to users' accounts using weak passwords, phishing, or compromised databases.
• Affiliate fraud. When unscrupulous partners wind up clicks and registrations to receive payments according to CPA or RevShare, they steal money from businesses.
• Payment fraud. Chargebacks, BIN attacks, duplicate transactions, and bypassing AML controls — all of this destroys trust and leads to direct losses.
• Multi-accounting. One person — dozens of accounts. The goal is the same: to bypass restrictions or squeeze the most out of promotions.

The point is that schemes are constantly changing. What worked yesterday is useless today.

How Device Fingerprinting Combats Fraud

Device fingerprinting is not just a "security level technology", but a real fraud prevention tool that helps to recognize suspicious activity in time, before it is too late. Below are some examples of how this helps, using the Frogo platform as an example:

1. Account Takeover Protection

When someone tries to log into someone else's account from a new device, device fingerprinting tool compares the digital "fingerprint" with previously recorded ones. If a user usually logs in from a laptop via Chrome from Almaty, and now suddenly logs in from an iPhone and Safari from Malaysia, this is an alarm signal. The tool immediately sends notifications via email, messengers, or even Slack. Thanks to a quick response, hacking can be prevented even before the attacker gains access to the data. Such integration with work tools is especially important for teams in areas such as iGaming, e-commerce, and payment services, where every minute counts.

2. Fighting Multi-Accounting. Graph Investigations

In the online gambling industry, the problem of multiple accounts is a real headache. People register dozens of profiles to cheat bonus systems. Even when using VPN and different email addresses, they can be "caught" by devices. Device fingerprinting tool visualizes the connections between accounts in the form of graphs, which allows you to identify bots and a "net» of clones in just a couple of minutes. This is especially useful when investigating complex schemes such as CPA fraud or internal collusion — the system finds connections that a person without the support of such tools simply will not see.

3. How to Stop Bonus Abusers

The scenario is familiar: one person, five accounts, and the same number of welcome bonuses. Device fingerprinting tracks such fraud even when changing IP and email. The platform allows you to create flexible rules: for example, block registration if several accounts are created from one device in a short time. The settings are easily adapted to the needs of a specific business—be it an online store, a casino, or a financial service.

4. Transaction Analysis and the Fight Against Fraud

Some affiliates wind up getting clicks and registrations to get more money. With device fingerprinting, you can track which devices are behind suspicious activity. The same applies to payment schemes — refunds, double transactions, and attempts to bypass limits. The system analyzes behavior and finds anomalies that are difficult to fake. This helps reduce losses, especially in areas such as online banking and electronic payments.

5. Protection from Internal Threats

Internal abuse is the most insidious. Employees have access to the system, and it is difficult to notice illegitimate activity. Device fingerprinting records all devices from which the admin panel was accessed and can restrict actions if the login is from an "unknown" laptop at 3 a.m. A flexible system of access rights allows you to clearly distinguish who can do what in the system, reducing risks even within the company.

6. Fraud Prediction with AI

Fraudsters quickly adapt, so manual rules alone are no longer enough. Device finterprinting uses machine learning to find non-standard behavior patterns. The system is constantly learning and can predict new threats before they cause damage. This is especially important for fast-growing areas where the rules of the game are constantly changing.

7. Minimum False Positives

One of the problems with anti-fraud systems is excessive reaction. Device fingerprinting reduces the number of false alarms due to dynamic settings: the system itself determines what is normal for a particular user and reacts only to truly suspicious deviations. This saves time for security personnel and does not interfere with honest users.

8. Automatic Management of Risk Lists

Manual addition to "blacklists" is a thing of the past. Device fingerprinting automates this process: the system itself identifies and adds suspicious devices or accounts to the necessary lists. You can also set up "white" lists—for example, for partners or regular customers. This is especially convenient in high-load services — from marketplaces to fintech.

9. Not Only a Platform, but Also a Security Partner

Technology is important, but experience is even more important. The device finterprinting vendor such as Frogo helps clients not only implement the platform but also build a full-fledged anti-fraud strategy: train employees, formulate appropriate rules, and deal with anomalies. This approach is especially valuable for companies in the iGaming, e-commerce, and payments industries, where mistakes can be costly.

These are the main aspects that make this fraud protection technology so unique.