> From: dave [mailto:[EMAIL PROTECTED] 
>  Maybe use their cc # or checking account # as their username 
> (securely of course) because they cant fake that and it's 
> highly doubtful they will pass that # around to their friends.

You can fake it. I can generate you any valid credit card number you want.
Whether you can place a temporary authorization on it or not is another
story. Unless the site does real time authorization and bulk final
processing or just stores the info to manually run at a later time  affects
how useful just a CC# is.

I think the best approach would be to have the username be the CC# (hashed
of course) and the user's account does not become active until the card can
be charged successfully. 

Mike



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