On another security note... (of sorts)

Mon Jul 19 16:14:12 UTC 2010

On 7/19/10 10:21 AM, Valdis.Kletnieks at vt.edu wrote:
> ... my credit card is declined and flagged (I find out later) by my bank's
> anti-fraud group because it's being used 3 states away from where it's usually
> used. ...
>
Or in my recent case, I used my card multiple times in California in April, and
the next time was trying to make a *deposit* back home in Michigan a month or so
later.  Card rejected.


> Fortunately for my sanity, I was able to get hold of them the next morning and
> convinced them I was me by having them call me back on the phone number they
> already had for me - if somebody in their fraud group had realized that if the
> credit card was stolen, the cell phone might be as well, I'd have been
> screwed...
>
Unfortunately, I had to go to a credit union branch, and have them call the
main office after showing my drivers license for picture proof....  And that
meant I had to wait 3 days for the office to be open after the holiday!


> Understand now how customers might have isssues?
>
Yep, most simple algorithms are severely flawed.  Doesn't mean there couldn't be
better algorithms.  And an understanding that banking is just the same as a
grocery store or a mall -- or an ISP....