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The law will relax when provisions of the Gambling Act 2005 come into force which introduce a licensing regime for internet casinos based in the UK. It also requires that systems be put in place for internet betting and gaming to ensure that under 18s are excluded. At present, under-18s are not allowed to gamble, but there are no clearly stated requirements for operators to ensure they do not take bets from under-18s.

Many observers believe that UK internet gaming will take off when the law changes, at a date still to be determined but probably not later than September 2007. (Others are doubtful: British companies like Ladbrokes already run legal internet casinos through offshore subsidiaries, so the barriers to market are not insurmountable.)

With Metacharge's Verify Your Customer (VYC) system, merchants can automatically authorise or decline transactions based on the results. They can also set the system to hold a transaction, triggering a manual check. The customer might then be asked to fax a copy of his driving licence and a utility bill.

About two or three customers in 10 will trigger the need for a manual check. But Law points out that before tools like this, all tests were manual, adding much more significant running costs to gaming operations. The VYC system runs a geographic IP address lookup. Law says the accuracy of such checks has improved greatly in recent years. "It used to be that all AOL accounts looked the same, but not any more," he said.

The first six digits of any credit card identify the issuing bank and country. Metacharge's service reports this information to the merchant – together with the country and city submitted by the cardholder and the distance in miles, if any, from his IP address to his street address. Some countries are hotspots for fraud – Law is particularly wary of Nigerian, Malaysian and Thai addresses.

The system also reports the number of chargebacks received from the card in use and from the customer's IP address.

The date of birth of the cardholder is also required – although lies will likely be spotted and the merchant again has the option to accept or decline or hold the transaction.

"Some things are a real giveaway to fraud," said Law, "other things build up a picture and you can very quickly learn to interpret it."

Copyright © 2005, OUT-LAW.com

OUT-LAW.COM is part of international law firm Pinsent Masons.

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