----- Original Message -----
From: "John Levine" <johnl@iecc.com>
Although banks have different tradeoffs in risk management than you might like, they're not dumb. I expect they figured that the increased volume from not slowing down transactions and demanding more than makes up for whatever the increased fraud. This theory is reinforced by my observation that at my local supermarket, they don't even ask for the signature that they don't look at for purchases under $50.
Another point here is that *just asking for ID, and observing the patron's mien when they give it to you* filters out 2 whole categories of low-hanging fruit attackers. Cheers, -- jr 'each user discovers a new category of bugs' a -- Jay R. Ashworth Baylink jra@baylink.com Designer The Things I Think RFC 2100 Ashworth & Associates http://baylink.pitas.com 2000 Land Rover DII St Petersburg FL USA http://photo.imageinc.us +1 727 647 1274