You could do all that, or just require PINs for credit purchases. They're not near as good as passwords, but PINs are still much, much better than nothing.
Or do the sensible thing, which is a proper active confirmation from customer's device. It's more convenient too -- you just scan the payment qr code with your bank's app and click confirm instead of entering any numbers.
So we blocked the order, reported the card to Stripe and alerted the police, the store and the unknowing consumer. In one case, we got a hold of the cardholder who confirmed his wallet had been stolen. For a few weeks, we played a big game of whack-a-mole and prevented a dozen instances of triangle fraud.
How often do police respond? is there a follow-up? I imagine the police get inundated with reports and are overwhelmed to to anything . Would it go to FBI or just local ?
Sometimes police refuse to accept the reports because they're in another jurisdiction (you can't file a police report in X town unless you're there).
To your point they usually don't have time. The report serves as a record for the retailer and the victim to float around, but practically it doesn't catch anyone sadly
I tried to buy something online from CDW. 5 days after the purchase I got a call from CDW trying to confirm I ordered the items.
I said I had and the response was ok I just need to ask you 32 questions. The first question was my order number. I didn’t know the answer to the first question which was my order number. I could have dropped everything and focused on these questions. I felt that the burden on my time was too much and they said I couldn’t continue without it.
The experience was very weird considering how convenient online ordering can be
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