CVV (was: Re: bloomberg on supermicro: sky is falling)

Mark Tinka mark.tinka at
Thu Nov 8 09:11:18 UTC 2018

On 11/Oct/18 21:31, Chris Adams wrote:

> Requiring an ID is also a violation of the merchant agreements, at least
> for VISA and MasterCard (not sure about American Express), unless ID is
> otherwise required by law (like for age-limited products).  I've walked
> out of stores that required an ID.

It has always been curious to me how/why the U.S., with one of the
largest economies in the world, still do most card-based transactions as
a swipe in lieu of a PIN-based approach.

In South Africa (and most of southern Africa), all banks make the use of
PIN's mandatory, for all types of cards. With the rest of Africa using
credit cards more recently, I imagine they are also PIN-based.

Europe also use PIN's, as far as I have experienced.

Asia-Pac was swipe-based for a long time when I lived there, but I know
places like Malaysia and Singapore have started a major PIN-based
transaction drive in the past 3 years.

3D Secure for the online version of the transaction also means your card
number and CVV number are less susceptible to fraud via restaurants and
the like. Of course, this is not fool-proof, as both the merchant and
bank need to support and mandate this, which is not well-done at a
global level.


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