[masklinn]

All of them can be genuine use, these are fraud signals not fraud proofs, and the article does cover this:

> What works is running them all and scoring each transaction across the signals. A transaction that fails on three or four of them is almost always fraud. A transaction that fails on one might be your grandma being weird with her debit card on vacation.

[dnnddidiej]

> If a card swipes in Chicago and seven minutes later swipes in Los Angeles, one of those swipes is fake. The card is cloned. This is the most uncontroversial fraud signal you’ll find — there’s almost no legitimate reason a single card is in two distant places in seven minutes.

[lmz]

The question is whether they would treat that as a single card (physical vs digital).

[dnnddidiej]

If they don't then this is a good detection system for a very specific scenario (but nonetheless a good trick)