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2015-08-24, 12:13
(2015-08-24, 03:35)edcoolio Wrote:(2015-08-23, 11:37)DirKNirK Wrote:(2015-08-23, 09:39)edcoolio Wrote: It seems a radical amount of information for online verification. Frankly, it is easier to deal with a vendor that does not require jumping through hoops.
A photo of my government issued ID, which includes my signature and "official" address, plus a photo of my credit card to someone who already has my card number... over the internet?
No thanks.
Hopefully it is something specific to a few transactions and not a new way of doing business. I am sure it is the latter.
I did this for a recent purchase too. It was no trouble. Its fraud prevention.
It's a picture of the card showing you actually have it in hand. With all numbers blurred except the last four. And some ID with your address on it. It takes not even a minute.
Nobody can do anything with that info other than have it help verify you are you. Yes, it's no guarantee it's really you. It's called "hardening". Making it more difficult for someone to defraud you.
I'd rather be dealing with a vendor who's trying making sure its really me.
Speaking professionally, it is simply an unnecessary risk that there is no reason to take.
Sending an image of any fiscal or governmentally approved identification instrument (blacked out or not) unless required by federal law (like ammunition), for the purposes of a purchase which is already covered via fraud prevention on any major card, is the opposite of the concept of "hardening " from a consumer point of view.
It is, however, correct to state that it is "hardening", but for the vendor rather, not the consumer.
The fiscal onus is on the vendor. Going through this process is to help the vendor, not the consumer, protect themselves from financial fraud.
That being said, if a consumer is comfortable with this situation, then by all means make the purchase!
Also speaking professionally, there's absolutely nothing anyone can do with the info they're requesting. Notta. Especially since they already have it.
All it is is proof it's really you. I did this process too. Takes all of 30 seconds.