Extending Taxonomies and Mapping P2P Credit Card Fraud (Carding) Forums on the Dark Web

Credit card fraud constitutes a core component of the contemporary cybercrime economy, in which dark web carding forums play a pivotal role in coordinating, commoditising, and disseminating illicit activities. While prior research has primarily focused on transaction-level fraud detection, comparatively limited attention has been devoted to the systematic analysis of the social and organisational ecosystems within which these practices are enacted. This study addresses this gap by proposing and validating a domain-specific taxonomy for the automated classification of content in P2P carding forums. To this end, we adopt an iterative, data-driven methodology that integrates large language models (LLMs), lexical co-occurrence analysis, and semantic network analysis. Using a corpus of 3260 posts, we define and operationalise a taxonomy structured around four predicates: activity context, actor role, products and services, and technical tools, supported by a locally deployed LLM (Llama 4 Scout). A human-annotated subset was additionally used to evaluate inter-annotator agreement and standard classification metrics, complementing the coverage-based assessment and enabling comparison against a keyword-based baseline. Evaluation was further strengthened through manual benchmarking, confidence intervals, sensitivity analysis of key pipeline components, and comparison with alternative open-weight models. The results indicate that the proposed taxonomy achieves broad corpus-level representational coverage, with at least one semantic dimension identified in 98.71% of posts. However, coverage is uneven across predicates: activity-context is highly explicit, whereas actor-role and product-service show only moderate coverage and technique-tool remains substantially underrepresented and ambiguous. Overall, the findings show that combining domain-specific taxonomies with LLM-assisted classification and network analysis offers a robust framework for understanding and monitoring carding ecosystems in the dark web.

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Published
2026-05-12
DOI
https://doi.org/10.3390/info17050469
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Cybercrime and Law Enforcement Studies
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article

Extending Taxonomies and Mapping P2P Credit Card Fraud (Carding) Forums on the Dark Web

Mikel Ferrer-Oliva, Jose-Amelio Medina-Merodio, Adrián Domínguez-Díaz, Alejandro Ruiz-Zambrano et al.
Information
Cybercrime and Law Enforcement Studies
article

Extending Taxonomies and Mapping P2P Credit Card Fraud (Carding) Forums on the Dark Web

Mikel Ferrer-Oliva, Jose-Amelio Medina-Merodio, Adrián Domínguez-Díaz, Alejandro Ruiz-Zambrano, José Fernández López
article en

Abstract

Credit card fraud constitutes a core component of the contemporary cybercrime economy, in which dark web carding forums play a pivotal role in coordinating, commoditising, and disseminating illicit activities. While prior research has primarily focused on transaction-level fraud detection, comparatively limited attention has been devoted to the systematic analysis of the social and organisational ecosystems within which these practices are enacted. This study addresses this gap by proposing and validating a domain-specific taxonomy for the automated classification of content in P2P carding forums. To this end, we adopt an iterative, data-driven methodology that integrates large language models (LLMs), lexical co-occurrence analysis, and semantic network analysis. Using a corpus of 3260 posts, we define and operationalise a taxonomy structured around four predicates: activity context, actor role, products and services, and technical tools, supported by a locally deployed LLM (Llama 4 Scout). A human-annotated subset was additionally used to evaluate inter-annotator agreement and standard classification metrics, complementing the coverage-based assessment and enabling comparison against a keyword-based baseline. Evaluation was further strengthened through manual benchmarking, confidence intervals, sensitivity analysis of key pipeline components, and comparison with alternative open-weight models. The results indicate that the proposed taxonomy achieves broad corpus-level representational coverage, with at least one semantic dimension identified in 98.71% of posts. However, coverage is uneven across predicates: activity-context is highly explicit, whereas actor-role and product-service show only moderate coverage and technique-tool remains substantially underrepresented and ambiguous. Overall, the findings show that combining domain-specific taxonomies with LLM-assisted classification and network analysis offers a robust framework for understanding and monitoring carding ecosystems in the dark web.

InformationVol. 17(5)
Universidad de Alcalá (ES)
Peace, Justice and strong institutions
Openalex Percentile: Top 1%
Cybercrime and Law Enforcement Studies
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