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This whole
issue of annonymous accounts/fraud/privacy can be resolved quite
simply it seems to me. Firstly the accounts. e-gold, or SR or Goldmoney and who ever is the new gold supplier that will be opening in the new year simply sets up three types of accounts. xxxxxx is the standard account which is currently set up by e-gold. Any one can open this account and it is relatively annonymous. xxxxxxM would be a merchant or business account. To open this account Full ID would need to be supplied. Anyone dealing with this account would be aware that full ID has been provided and know that the person is trackable and bona fide. Alpha designations can be applied simply at the end of the account number and would form part of the account number. The name of the Account would also be fixed at the time the account is opened. M for merchant B for business C for charity S for 'those special investment schemes' and so forth. If there is no alpha designation at the end of the account number you might think twice before spending to that account. The responsibility lies with the spender. It also reinforces the non repudiable policy e-gold has. xxxxxxP of course would be an accredited service provider or Market Maker. (Of course I am not an accredited Market Maker as far as e-gold is concerned so I might be hoisting my own pertard with this one) Those people who wish to remain annonymous can do so. Those with a legitimate business to run can do so and those who wish to run something dubious can also do so. It is then the responsibility of the person spending the gold. No more crying victim. This also answers the question of privacy. Those who wish to remain annonymous can do so. The one disadvantage is that they cannot run a business and remain annonymous at the same time. Secondly, what about the fraudsters who pass bad cheques, the scamsters and such choice items as paypal etc? Well paypal firstly. Simply do not promote it, do not use it, do not accept it if you consider it is not reliable. I will not use Paypal as is another avenue for criminals to use and really costs more that it saves in time and aquiring customers. and it does not replace doing the work to verify a customers veracity. anyway. Now, having been the recipient of some particularly nasty cheques I can speak with some authority and the first step is simply do not accept cheques, do not accept credit cards (after all we are trying to get away from that type of transaction so why encourage it?). "Oh...but I will lose business!.." I hear you say. Ask any money maker how much business they have lost by not accepting credit cards... you will find it is very little. in fact you would be hard put to find an MM who DOES accept credit cards on a consistent ongoing basis. The same goes for cheques. I do not accept overseas cheques any more (particularly US cheques) but this has not affected my business at all. People will adapt and this is what we are striving for as well as make a few bob doing it. If all the MMs said "No more Cheques. Cash, Bank Wires and Western Union Money orders Only ". Are your customers going to go somewhere else? I think not! But of course there will the that MM who will say "Hey over here...I will take your cheques...give them to me.." and all the fraudsters will say, "Hey look, an opening.. let's use it quick!", and that MM willget clobbered and will then decide it IS more prudent to go with the flow. Additionally instead of saying "oh...we need some perfect software to do our job for us." . let us simply set some policy which we will agree to and enforce with regard to payments and I can assure you the customers will come to the party. The next step is of course....verify. Do you have a verification process in place? If not do you want to buy one? I can sell you one. It is a sheet of paper with 10 steps written on it. (I bet graham has one too). i can sell it to you for 100USD, or you can sit down and write one yourself if you have not already and save the 100USD (damn!) The last step is to locate a system easy for clients to use that replaces the cheque/credit card system and that is reliable and secure and has no chargeback threat or can freeze. In Australian there is such a a system and it is called Technocash. This will be the system that will replace all others for the most part. I'm sure a similar system is obtainable in the US and other countries (if not technocash soon will be). Or you can devise one. As an aside, almost ALL my business is referrals and word of mouth. After the cheque senario my business came to a virtual stop. But over time it has started to build up again and with no advertising (apart of the occasional announcement on the discussion board) is building up very nicely by word of mouth and referrals and all my clients and stable, known to me and I have no problem accepting cheques or any other form of payment from them. These types of clients are the best you can get, they are loyal and reliable. I will often fund an account on the basis of a word or request knowning the funds will arrive in due course and they always do. I may not have many clients at the moment but they are increasing at a sleady rate. With new clients I do not accept cheques, only cash, wires or technocash. Just a few ideas to throw around and see where they stick.... Kind regards,
Michael Moore
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