Hi Ollie,
On 14-Apr-99, Oliver Wagner had the perspicacity to write, and I quote: "
> From:               David Woolley <[EMAIL PROTECTED]>

>> I think you're worries about security are very valid, but I think purchases
>> ovr the Net are as secure, if not more so, than purchases over phone, or in
>> person.

> I don't know about .NZ, but in Germany the credit card company 
> will refund any transaction for which I don't have given my 
> signature, without requiring a reason. I just have to say "Njet!" 
> when I receive my monthly statement. The risk is solely on the 
> side of the Internet-based merchant.

Wouldn't that be "Nein"?

> Anyone who has your credit card number and expiration date can 
> initiate a transaction on your card, but due to the aforementioned 
> right of refusal, he won't benefit from this (this is very different from 
> when someone actually *has* your card and does *fake* your 
> signature).

> So, giving out your credit card "details" over Internet, even with a 
> non-SSL transaction, is about as insecure as giving your card to 
> Joanne Waitress or Joe Gasstation, and you never bothered to 
> worry about doing so before all the fuss about E-Commerce 
> security was started.

Ah, but I can go and run over Joe Gasstation if he so much as does that. Or
pull the hose out of the bowser (been there, done that :-) ) Actually I use
EftPost here which is more of a direct bank transfer. I only ever used my
credit card overeseas - much easier than travellers cheques and Bureaux des
Changes. The advice given is to never let anyone go out of your sight with
your card either.

Sounds like  I should start looking at those monthly statements. :-)

> Disclaimer: As I said above, this is for *my* credit card company. 
> Although I think it's unlikely, your mileage *may* vary, so you may 
> want to ask them first.

But hey, thanks for the words of encouragement. :-)

   .....now where can I find some money.....


Jools

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