On Jul 4, 2008, at 12:45 PM, Peter wrote:

> The way I see it, fraud is not the merchant's business to solve

I dunno.  The fraudulent uses of OUR credit cards seem to have most  
likely originated at the merchants...  (probably not the merchant  
themselves, just a dishonest employee, of course.  But that still  
seems to be a "merchant" problem.)  Prior to theft of bulk databases  
from online vendors, I would have expected  the vast majority of  
fraudulent credit card use to originate that way, with actual stolen  
cards being a distant second...

BillW

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