I didn't say a disputed charge, I said a "worst case scenario" of using a stolen credit card number. Where the bank informs Inno the charge is fraudulent, not a dispute with the cardholder. An entirely different category of crime which plagues the online gaming industry like few others because there are no real consequences for getting "caught." If anything, the criminal makes double, by quickly building the account then selling it to someone else before the fraud is identified. Inno would have to bigger fools than even most players think they are if they were presented with a case of outright fraud but chose to let the accounts stand.
The credit card never informs the merchant that the charge is fraudulent unless the card holder challenges the charge. The consumer (cc owner) has 30 days after the credit card statement to challenge the charge. If they don't the credit card company is under no obligation to refund them, though sometimes they do, depending on the amount and history of the customer. The usually say this is a "courtesy, one-time refund" as if they are really being generous. In the end there is no dispute with the merchant except by the credit card holder and the credit card company sits in the middle "adjudicating" while holding whatever funds are in dispute for as long as they can. The only dispute the merchant can have is with the consumer and if that dispute is pursued there are charges by the credit card company to initiate and investigate the matter.
I agree that their are no real consequences for getting caught and part of that is that the routing of charges is often through off-shore, poorly regulated foreign institutions. And I agree that such charges plague the online game industry, but there is little any merchant can do. You can't refuse to take credit cards, the credit card companies have access to your funds, and they also control the cost of litigation and dispute. They actually love litigation and disputes because they make a lot of extra cash in the process all the while holding the interest bearing money of either the consumer or the merchant.
My point is, and I said this above, Inno might suspend the account of the fraudulent credit card user, but there is no way they would do the same of the ones to whom the diamonds were distributed
unless they had awful good evidence that those players knew of the fraud. The bad press and bad feelings in the community would be more costly, not to mention the possibility of a class action suit or two.
But you may be right. I've not thought about the selling of accounts. Is it legal and within the player's agreement with Inno? If so then, no real problem because you would have to, again, have great evidence to move against the purchaser of the account for the fraud part. On the other hand, if it's not legal by the terms of the player agreement, then you would shut it down for being a purchased account anyway. You don't even need to know if the diamonds came from a fraudulent cc transaction or not.
Part of the adventure is getting by on the resources you earn during the game, in game play. Gifting overrides that experience and would be subject to abuse. Ways around this are mentioned with unbalance trades but that does not overcome either gold or supply shortages. Unbalanced trades are also subject to thefts that make them very risky and subject to precise timing.
I do not think this is an accident. The best way about a momentary resource crisis is to support the game and spend diamonds.
This is by the way an obvious (to a newcomer) recurring theme that would be better managed with a comprehensive idea listing Pinned to this discussion topic.
I have been part of a game where gifting was allowed. The retention rate of new players was much higher exactly because of the tradition of gifting. One of the worst things in Elvenar is the inability to interact with new players. There is no community chat where the player can introduce themselves and thus a new player is pretty much invisible unless he/she makes an effort. Most people won't do this until they are confident they will be staying.
In my opinion then, if we were to have a marker on players who have been around for a month or less AND could gift them during that period -- and it may be resources or whatever -- we might be able to increase the retention rate by getting them off to the a better start.
AJ