Although most investigators and credit card fraud teams focus on minimizing cybercrime and identity theft activities launched through spam attacks, the California teams discovered a network of businesses that developed complex fulfillment systems to prevent chargebacks and to encourage repeat business.Under this model, a team of spammers could make more money over time selling many of the same goods to repeat customers than by simply selling credit card account details to fraud rings. Out of 56 completed transactions during the study, only seven of the team's orders failed to arrive.Though top rated credit cards already offer significant consumer protection, few customers feel compelled to file transaction disputes after packages arrive from fulfillment centers in India, China, and even the United States.Visa, MasterCard could team up to block spam fundingEfforts by the technical community to block consumers' access to potentially fraudulent websites have often been thwarted by a combination of hacker attacks and customer frustration. The researchers suggest that American credit card issuers could help curb the growth of spam-sending botnets by choking off the supply of cash to merchants on a "financial blacklist."The team suggested that a partnership between credit card platform providers like Visa and MasterCard could eliminate many spammers' financial incentives, just as a similar enforcement action closed off most Americans' access to illegal online gambling operation the shoulder," Martin told the Associated Press. "It hit the truck and spun around," landing on top of the truck's rear end. The crash occurred shortly after 6 p.m. Saturday near the town of Cle Elum, about 80 miles east of Seattle. A man and a woman on the bus were killed, and a man who was standing by the disabled truck was seriously injured. Martin said he was rushed by helicopter to a Seattle hospital. As many as 14 others in the three vehicles were believed to have minor injuries but Martin said he didn't have an exact count because many were taken to hospitals in private vehicles. Paul Jimenez told Seattle's King TV that he drove up to the scene just moments after the crash. "I saw people crawling out from underneath the bus, or being dragged out, I saw people coming out from the top," he said. "People were hugging and crying," Jimenez said. "It's kind of shocking, I'm still a little bit in shock right now." Two of those injured were also in the pickup, two were in the passenger vehicle and the others were aboard the bus, Martin said.