> From: Tom Limoncelli [mailto:t...@whatexit.org]
> 
> What method would you prefer we use to
> verify you are who you say you are?  I will gladly forward your
> suggestions to the product group (no promises, but I am very
> interested in what you suggest)

You know what?  Nevermind Verified by Visa, etc.  As other people have 
mentioned, it can be infeasible in some circumstances, and not every bank or 
vendor is equipped to use that stuff.

Today I tried to buy something in Euros (completely independent and unrelated 
to google.)  The transaction was declined.  My bank immediately called me.  An 
automated system informed me that this is the credit fraud prevention system, 
and if I have any doubts about the identity of the system calling me, I could 
get their phone number from their website or the back of my card, and call them 
instead.  It asked me my security question, "what is the make and model of your 
first car" to confirm my identity.  (I'm not just some hapless person who just 
had his wallet, credit cards, and cell phone stolen.)  It asked if I'm in 
control of my cards, and did I authorize the following transaction?

I told it Yes.  So it told me, that I should resubmit my transaction, we 
apologize for any inconvenience, and thank you for using this system.  In the 
future, if I know I'm going to be performing suspicious activity, I can call 
them to notify them in advance, to avoid any inconvenience.

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