A virtual card is just as legitimate as a physical card. The numbers are just account ids basically. In my business, I setup virtual cards for many vendors.
Sounds like you're trying to detect fraud. There are fraud detection platforms particularly designed for checkout fraud. Instead of re-inventing the wheel with a theory you have, I would look into some of those solutions that are fairly robust taking into account many different factors and often data from across merchants.
Sounds like you're trying to detect fraud. There are fraud detection platforms particularly designed for checkout fraud. Instead of re-inventing the wheel with a theory you have, I would look into some of those solutions that are fairly robust taking into account many different factors and often data from across merchants.