This document describes an online payment security system that uses a decision tree model and skewed passwords to detect credit card fraud. The system aims to detect fraudulent transactions before they are completed by verifying credit card information and running a fraud check. It proposes using a skewed password system where users select click points on a sequence of images and corresponding sound signatures to increase security. The system architecture includes modules for web merchant design, fraud detection, and skewed password implementation. It was created to address the growing risk of online credit card fraud and provide a more secure payment solution.