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7

Payment protocols have many variants. However, they mostly boil down to the three following: The card number is just a reference, to be printed on paper. The owner signs with a pen on the paper. The paper may be printed with several technologies, some of them quite primitive (credit cards are embossed so that their number can be copied to paper efficiently ...


4

It likely depends on what network is being used to process the card. If the network is EFTPOS-like, a PIN is typical. However, if the network is credit-like, a signature is typical (at least, before EMV existed). A lot of cards are dual-branded, and how they are processed can depend on the configuration of the merchant's terminal. It's not likely to be a ...


4

What I think you'll find is that if you're in a country with Chip+PIN deployed, if a merchant takes a signature instead (usually because their Chip+PIN system is down) then the fraud liability moves from the customer to the merchant. So if you have fraudulent transactions on your card where the merchant doesn't have the PIN you can just dispute them and the ...


3

Signing for a credit card transaction is still quite common in countries where they use the magnetic strip on the side rather than the embedded smart card chip (which uses a PIN code). Note that this is a choice of the credit card company. A pin is indeed more secure, but for usability reasons not enforced everywhere (in Europe it is quite common these ...


3

There's a number of potential methods you can use to differentiate bots from humans but none of them are likely 100% Obviously as you say rate limiting catches the really stupid bots who don't know to click at human speed. You could say one click per IP but that will artificially deflate your stats in the case of humans behind a proxy (becoming more common ...


3

When they realize that a big proportion of your clickers aren't buying anything, anywhere... if they have access to this data. I guess they can have feedbacks from clients on where they obtain their sales, and if on your site they are really low, or non existent, they will surely compare it with the typical profile of the people visiting sites similar as ...


1

All the giftcard buying companies (like cardpool) are located in California because In the state of California all retailers that offer giftcards must refund giftcards for cash value or issue a new giftcard at no cost (California Civil Code Section 1749.5(b)) there is a 24-48 hour wait period for gift card buying companies to pay you. So what they do is ...


1

What you need to do is learn the tricks of the trade. What likely happened was your card was read by a "Skimmer" and then re-programmed on another card. Many Credit Card Companies make gift cards that look very similar to a real credit card, which makes life easier for a would be thief as finding a legit looking credit card has become much easier. Your best ...



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