at least on par with what the credit card companies have done.
Jebus! Have you used their systems?! AVS and 3DSecure are NOT inspirational targets...
Pros:
Cons:
You'd think a simple system that checks against a list of compromised card numbers would be straightforward enough, easier than checking ever changing addresses anyway.
If you've ever dealt with a CC company over a fraudulent card you might have got the strong impression they don't care, except in as much as they *really* want their chargeback fee from the retailer (the innocent party in 99.99% of cases). If you've dealt with them multiple times you may have found them so unhelpful you might even suspect that they *welcomed* CC fraud. After all most of it goes undetected, and when it doesn't they charge for the orginal transaction, the refund and then double for chargeback.
3D Secure (verified by visa etc) was meant to address the retailer's concerns about this by transferring some responsibility back to the CC issuer, but it makes the customer jump through so many hoops that it is disabled by most retailers in order for them to keep their business alive. Additionally the list of exemptions and pre-requisites for them taking liability is as long as your standard credit card terms and conditions, making it in practice completely useless.
Nothing to do with phones I know, but Credit Card companies are *not* aspirational technology leaders. Because of all politicians complete lack of understanding of technology they have managed to carve a privileged position where they profit from everyone and take no reponsibility themselves. If I'm leading the revolution they will be the first against the wall...
The biggest stability problem I have with Vista is frickin firefox. 150mb RAM usage after 10 minutes, hanging processes when you close it down and just random crashes. Of course it *must* be my plugins, it's not possible that it's an overcoded piece of bloatware...
(Obviously I still consider it better than the alternatives or I wouldn't be using it, but I really don't understand why it's so hard for anyone to make a simple web browser. IE is IE, Chrome is buggy beyond belief and Opera's just irritatingly holier-than-thou)
He has not acquired a fortune; the fortune has acquired him. -- Bion