I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank. -- Sent from my mobile device
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though. -- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur! On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
-- Sent from my mobile device
By law, debit card transaction are refunded as long as you can prove that it was not you doing the purchase, within 4 days of the purchase, otherwise after that, it has to go the long way - they are more protected than credit cards. All cases of fraud, if properly reported are refundable. All these cards have an insurance against such things so the bank actually gets paid back what they refund you. ./Ok3ch On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
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Have you ever read the fine print while filing for thatt card? On 6/13/10, Okechukwu <okechukwu@gmail.com> wrote:
By law, debit card transaction are refunded as long as you can prove that it was not you doing the purchase, within 4 days of the purchase, otherwise after that, it has to go the long way - they are more protected than credit cards. All cases of fraud, if properly reported are refundable. All these cards have an insurance against such things so the bank actually gets paid back what they refund you.
./Ok3ch
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
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-- Sent from my mobile device
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN.... On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
-- Sent from my mobile device _______________________________________________ Skunkworks mailing list Skunkworks@lists.my.co.ke http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Server donations spreadsheet
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Interesting discussion, @ Wash that is quite insightfull. Well in most cases, they just look at your Signature, it might have to do with lack of proper consumer education and awareness. Regards On Mon, Jun 14, 2010 at 7:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
-- Sent from my mobile device _______________________________________________ Skunkworks mailing list Skunkworks@lists.my.co.ke http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Server donations spreadsheet
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-- Barrack O. Otieno +41767892272 Skype: barrack.otieno
Well, most cards in Europe use a PIN on a POS system - If am not wrong must be most Mastercard's and thats why the biggest supermarket chains in Europe like IKEA do not accept visa since there is no PIN auth ./Ok3ch On Mon, Jun 14, 2010 at 8:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the US. She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
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I have always wondered why Kenyan outlets dont have a PIN setup on their POS systems because as long as someone else can show up with your ID and forge your signature then they can clean out your account. In Europe, every card-accepting outlet has the POS thingy facing away from the cashier so you can enter your PIN in secret and only when you confirm are funds withdrawn. My 2 cents On Mon, Jun 14, 2010 at 11:32 AM, Okechukwu <okechukwu@gmail.com> wrote:
Well, most cards in Europe use a PIN on a POS system - If am not wrong must be most Mastercard's and thats why the biggest supermarket chains in Europe like IKEA do not accept visa since there is no PIN auth
./Ok3ch
On Mon, Jun 14, 2010 at 8:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com>
wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the
US.
She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
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Larry, Most POS these days actually do have the PIN especially for debit cards. But I can still use your card online without your id or pin. David. On Mon, Jun 14, 2010 at 11:38 AM, Larry Madowo <larrymads@gmail.com> wrote:
I have always wondered why Kenyan outlets dont have a PIN setup on their POS systems because as long as someone else can show up with your ID and forge your signature then they can clean out your account.
In Europe, every card-accepting outlet has the POS thingy facing away from the cashier so you can enter your PIN in secret and only when you confirm are funds withdrawn.
My 2 cents
On Mon, Jun 14, 2010 at 11:32 AM, Okechukwu <okechukwu@gmail.com> wrote:
Well, most cards in Europe use a PIN on a POS system - If am not wrong must be most Mastercard's and thats why the biggest supermarket chains in Europe like IKEA do not accept visa since there is no PIN auth
./Ok3ch
On Mon, Jun 14, 2010 at 8:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com>
wrote:
I'd like to know whether anyone here has ever been a victim of the above or know anyone who has. How was the response from the bank? You dont have to mention the bank.
Sometimes back, a sister to a friend of mine came visiting from the
US.
She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
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David, Interesting. I have used my debit card on loads of outlets all over the country and never once did I see a place to input my PIN. I don't have a credit card (I used to sell them a few years back) but I guess the same applies. Maybe a business idea for some guy... On Mon, Jun 14, 2010 at 11:42 AM, David Mugo <raidarmax@gmail.com> wrote:
Larry,
Most POS these days actually do have the PIN especially for debit cards. But I can still use your card online without your id or pin.
David.
On Mon, Jun 14, 2010 at 11:38 AM, Larry Madowo <larrymads@gmail.com>wrote:
I have always wondered why Kenyan outlets dont have a PIN setup on their POS systems because as long as someone else can show up with your ID and forge your signature then they can clean out your account.
In Europe, every card-accepting outlet has the POS thingy facing away from the cashier so you can enter your PIN in secret and only when you confirm are funds withdrawn.
My 2 cents
On Mon, Jun 14, 2010 at 11:32 AM, Okechukwu <okechukwu@gmail.com> wrote:
Well, most cards in Europe use a PIN on a POS system - If am not wrong must be most Mastercard's and thats why the biggest supermarket chains in Europe like IKEA do not accept visa since there is no PIN auth
./Ok3ch
On Mon, Jun 14, 2010 at 8:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest, this is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote:
On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com>
wrote:
> I'd like to know whether anyone here has ever been a victim of the > above or know anyone who has. How was the response from the bank? > You dont have to mention the bank. > > Sometimes back, a sister to a friend of mine came visiting from the
US.
She's an American of Kenyan origin after having migrated to the US via the Green Card syndrome:-) Well, what happened is that although she's 'formerly' a Kiuk, the American system happened to have changed her, so much so that when she went to church one of the days, she carelessly put her handbag down under the seat she was occupying. One thing led to another as the handbag disappeared from God's own house. And that marked the beginning of a long running episode I had with a major local supermarket chain and a major bank. The lady's credit card was used to purchase items from several branches of the supermarket, to the tune of about half a million, within a span of just a few days! Naturally, I reasoned that it should never have happened, as the cashiers at the supermarket are supposed to verify the identity of the person doing the purchase via a credit card. All the purchases using the credit card were never supported by her passport, which luckily was not in the purse that got snipped. Well, I had several e-mail exchanges with the head of ICT in the supermarket, with evidence we obtained from the lady's overseas bank that showed all the transactions. In a way, the supermarket chain's ICT head did his best to protect the reputation of their chain, and was almost deciding on not doing anything regarding the fraud, but based on research I did at that time about Credit Card frauds and the writeup I had done, I simply told him that I had a very nice article for both local and Int'l media if he decided that they (supermarket) was not responsible and had no culpability at all in the fraud. I believe this kind of made him wake up. He requested me to chill a bit. The next calls I received were from their bankers' department that deals with such Fraud cases. In another week or so after the call from their bankers, my friend's sister had all the money that had been used off her credit card refunded. In a nutshell, you need to build a very water-tight case on the incident. Every organization that does business using Credit Cards must have a system of verifying that whoever is using the card has authority over the card. They are supposed to even contact the bank that issued the card to authenticate the transaction if they have doubts on the identity of the person. It's different if the transaction was done online though.
-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ "If you have nothing good to say about someone, just shut up!." -- Lucky Dube
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Yeah...if you are on Barclays or NIC or maybe some other "big" bank, maybe. Equity, KCB and Coop requires the PIN. David. On Mon, Jun 14, 2010 at 11:46 AM, Larry Madowo <larrymads@gmail.com> wrote:
David,
Interesting. I have used my debit card on loads of outlets all over the country and never once did I see a place to input my PIN. I don't have a credit card (I used to sell them a few years back) but I guess the same applies.
Maybe a business idea for some guy...
On Mon, Jun 14, 2010 at 11:42 AM, David Mugo <raidarmax@gmail.com> wrote:
Larry,
Most POS these days actually do have the PIN especially for debit cards. But I can still use your card online without your id or pin.
David.
On Mon, Jun 14, 2010 at 11:38 AM, Larry Madowo <larrymads@gmail.com>wrote:
I have always wondered why Kenyan outlets dont have a PIN setup on their POS systems because as long as someone else can show up with your ID and forge your signature then they can clean out your account.
In Europe, every card-accepting outlet has the POS thingy facing away from the cashier so you can enter your PIN in secret and only when you confirm are funds withdrawn.
My 2 cents
On Mon, Jun 14, 2010 at 11:32 AM, Okechukwu <okechukwu@gmail.com> wrote:
Well, most cards in Europe use a PIN on a POS system - If am not wrong must be most Mastercard's and thats why the biggest supermarket chains in Europe like IKEA do not accept visa since there is no PIN auth
./Ok3ch
On Mon, Jun 14, 2010 at 8:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest,
this
is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote: > On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote: > >> I'd like to know whether anyone here has ever been a victim of the >> above or know anyone who has. How was the response from the bank? >> You dont have to mention the bank. >> >> > Sometimes back, a sister to a friend of mine came visiting from the US. > She's an American of Kenyan origin after having migrated to the US via > the > Green Card syndrome:-) > Well, what happened is that although she's 'formerly' a Kiuk, the > American > system happened to have changed her, so much so that when she went to > church > one of the days, she carelessly put her handbag down under the seat she > was > occupying. One thing led to another as the handbag disappeared from > God's > own house. > And that marked the beginning of a long running episode I had with a > major > local supermarket chain and a major bank. The lady's credit card was > used to > purchase items from several branches of the supermarket, to the tune of > about half a million, within a span of just a few days! Naturally, I > reasoned that it should never have happened, as the cashiers at the > supermarket are supposed to verify the identity of the person doing the > purchase via a credit card. All the purchases using the credit card were > never supported by her passport, which luckily was not in the purse that > got > snipped. Well, I had several e-mail exchanges with the head of ICT in > the > supermarket, with evidence we obtained from the lady's overseas bank > that > showed all the transactions. In a way, the supermarket chain's ICT head > did > his best to protect the reputation of their chain, and was almost > deciding > on not doing anything regarding the fraud, but based on research I did > at > that time about Credit Card frauds and the writeup I had done, I simply > told > him that I had a very nice article for both local and Int'l media if he > decided that they (supermarket) was not responsible and had no > culpability > at all in the fraud. > I believe this kind of made him wake up. He requested me to chill a bit. > The > next calls I received were from their bankers' department that deals > with > such Fraud cases. In another week or so after the call from their > bankers, > my friend's sister had all the money that had been used off her credit > card > refunded. > In a nutshell, you need to build a very water-tight case on the > incident. > Every organization that does business using Credit Cards must have a > system > of verifying that whoever is using the card has authority over the card. > They are supposed to even contact the bank that issued the card to > authenticate the transaction if they have doubts on the identity of the > person. It's different if the transaction was done online though. > > > -- > Best regards, > Odhiambo WASHINGTON, > Nairobi,KE > +254733744121/+254722743223 > _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ > "If you have nothing good to say about someone, just shut up!." > -- Lucky Dube >
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There's the Magnetic Strip Credit/Debit cards which form the majority in Kenya and the SmartCard/Chip based ones which are few. Check out http://en.wikipedia.org/wiki/Chip_and_PIN <http://en.wikipedia.org/wiki/Chip_and_PIN>This should shed some light on this... -- Josiah Mugambi On Mon, Jun 14, 2010 at 11:46 AM, Larry Madowo <larrymads@gmail.com> wrote:
David,
Interesting. I have used my debit card on loads of outlets all over the country and never once did I see a place to input my PIN. I don't have a credit card (I used to sell them a few years back) but I guess the same applies.
Maybe a business idea for some guy...
On Mon, Jun 14, 2010 at 11:42 AM, David Mugo <raidarmax@gmail.com> wrote:
Larry,
Most POS these days actually do have the PIN especially for debit cards. But I can still use your card online without your id or pin.
David.
On Mon, Jun 14, 2010 at 11:38 AM, Larry Madowo <larrymads@gmail.com>wrote:
I have always wondered why Kenyan outlets dont have a PIN setup on their POS systems because as long as someone else can show up with your ID and forge your signature then they can clean out your account.
In Europe, every card-accepting outlet has the POS thingy facing away from the cashier so you can enter your PIN in secret and only when you confirm are funds withdrawn.
My 2 cents
On Mon, Jun 14, 2010 at 11:32 AM, Okechukwu <okechukwu@gmail.com> wrote:
Well, most cards in Europe use a PIN on a POS system - If am not wrong must be most Mastercard's and thats why the biggest supermarket chains in Europe like IKEA do not accept visa since there is no PIN auth
./Ok3ch
On Mon, Jun 14, 2010 at 8:56 AM, Eric Mugo <kabugum@gmail.com> wrote:
to sort out this mess, i think dual authentication should be used. I don't see why for the same Card, an ATM will ask for a PIN yet in a shop no pin is required. That is just plain stupid security from the service providers. The terminal/overall system should be changed to request for a PIN....
On Sun, Jun 13, 2010 at 10:12 AM, mash lists <mashlists@gmail.com> wrote:
All I can say is that urs was a very lucky case coz to be honest,
this
is the first time I'm hearing of a refund. Banks really refund. I'm not suprised about theft via the supermarket. I've been to one and when I produce my card, they just process without demanding identification. On enquiring why, they give a bogus answer like 'you look like the real owner of the card' or 'you dont look like a fraudster' There's this other one that keeps there terminals under the desks. If you complain, they place it on top but return it under the desk. In the real sense, consumers are supposed to take care of their cards and in case of lose, a toll free number is usually provided. I'm sure we know by now that the physical card does not have to be present for fraud to occur!
On 6/11/10, Odhiambo Washington <odhiambo@gmail.com> wrote: > On Thu, Jun 10, 2010 at 7:41 PM, mash lists <mashlists@gmail.com> wrote: > >> I'd like to know whether anyone here has ever been a victim of the >> above or know anyone who has. How was the response from the bank? >> You dont have to mention the bank. >> >> > Sometimes back, a sister to a friend of mine came visiting from the US. > She's an American of Kenyan origin after having migrated to the US via > the > Green Card syndrome:-) > Well, what happened is that although she's 'formerly' a Kiuk, the > American > system happened to have changed her, so much so that when she went to > church > one of the days, she carelessly put her handbag down under the seat she > was > occupying. One thing led to another as the handbag disappeared from > God's > own house. > And that marked the beginning of a long running episode I had with a > major > local supermarket chain and a major bank. The lady's credit card was > used to > purchase items from several branches of the supermarket, to the tune of > about half a million, within a span of just a few days! Naturally, I > reasoned that it should never have happened, as the cashiers at the > supermarket are supposed to verify the identity of the person doing the > purchase via a credit card. All the purchases using the credit card were > never supported by her passport, which luckily was not in the purse that > got > snipped. Well, I had several e-mail exchanges with the head of ICT in > the > supermarket, with evidence we obtained from the lady's overseas bank > that > showed all the transactions. In a way, the supermarket chain's ICT head > did > his best to protect the reputation of their chain, and was almost > deciding > on not doing anything regarding the fraud, but based on research I did > at > that time about Credit Card frauds and the writeup I had done, I simply > told > him that I had a very nice article for both local and Int'l media if he > decided that they (supermarket) was not responsible and had no > culpability > at all in the fraud. > I believe this kind of made him wake up. He requested me to chill a bit. > The > next calls I received were from their bankers' department that deals > with > such Fraud cases. In another week or so after the call from their > bankers, > my friend's sister had all the money that had been used off her credit > card > refunded. > In a nutshell, you need to build a very water-tight case on the > incident. > Every organization that does business using Credit Cards must have a > system > of verifying that whoever is using the card has authority over the card. > They are supposed to even contact the bank that issued the card to > authenticate the transaction if they have doubts on the identity of the > person. It's different if the transaction was done online though. > > > -- > Best regards, > Odhiambo WASHINGTON, > Nairobi,KE > +254733744121/+254722743223 > _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ > "If you have nothing good to say about someone, just shut up!." > -- Lucky Dube >
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Cheers Josiah, That sheds some light. I am currently in Western Europe, have used my Stanchart debit card on five occasions at different POS'es and no PIN requirement so far.
All, I have always wondered if it can even been taken further to allow you to input your ACCOUNT NUMBER and the PIN using a keypad as opposed to swapping or inserting cards. This would make it impossible for someone to forge identity unless they force you to give them the details. It would also be very difficult for opportunistic pick pockets to get your banking details something they get immediately they get hold of your card. this could also be extended to ATM's James Tony Likhanga wrote:
Cheers Josiah, That sheds some light.
I am currently in Western Europe, have used my Stanchart debit card on five occasions at different POS'es and no PIN requirement so far. ------------------------------------------------------------------------
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If you swipe on a senator terminal, you MUST input your PIN. David, I use co-op card all the time and I've never been requested for a PIN. Cards under Kenswitch will also require you to input your PIN from time to time though not always. On Mon, Jun 14, 2010 at 3:15 PM, James Kagwe <kagwejg@gmail.com> wrote:
All,
I have always wondered if it can even been taken further to allow you to input your ACCOUNT NUMBER and the PIN using a keypad as opposed to swapping or inserting cards. This would make it impossible for someone to forge identity unless they force you to give them the details.
It would also be very difficult for opportunistic pick pockets to get your banking details something they get immediately they get hold of your card. this could also be extended to ATM's
James
Tony Likhanga wrote:
Cheers Josiah, That sheds some light.
I am currently in Western Europe, have used my Stanchart debit card on five occasions at different POS'es and no PIN requirement so far. ------------------------------------------------------------------------
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I used my card at one of the leading chains on Saturday and there was no single moment I entered my PIN to pay for the purchase. I flushed my ID card and the cashier just looked at the fading signature on the backside, compared to the one on the ID swipped the card and asked me to sign the till receipts, and off I went. This is a typical approach used by most of these retail stores and it is prone to fraud. I wish there could be a way of authenticating the user of the plastic money, in order to save the owners' exposer to theft. Thugs are also becoming sophisticated daily! On 14/06/2010, mash lists <mashlists@gmail.com> wrote:
If you swipe on a senator terminal, you MUST input your PIN. David, I use co-op card all the time and I've never been requested for a PIN. Cards under Kenswitch will also require you to input your PIN from time to time though not always.
On Mon, Jun 14, 2010 at 3:15 PM, James Kagwe <kagwejg@gmail.com> wrote:
All,
I have always wondered if it can even been taken further to allow you to input your ACCOUNT NUMBER and the PIN using a keypad as opposed to swapping or inserting cards. This would make it impossible for someone to forge identity unless they force you to give them the details.
It would also be very difficult for opportunistic pick pockets to get your banking details something they get immediately they get hold of your card. this could also be extended to ATM's
James
Tony Likhanga wrote:
Cheers Josiah, That sheds some light.
I am currently in Western Europe, have used my Stanchart debit card on five occasions at different POS'es and no PIN requirement so far. ------------------------------------------------------------------------
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It depends on whether they really want to go through the trouble of authentication... Too much stress and holding the line etc etc... Besides, they want to make the sales easier... So bring your credit cards ! - You can even steal your mum's !!! PINs are not a good idea to float around at every transaction you do all over the world - credit card duplicators (people) easily trap these four digits and make a copy of your magnetic strips - and you are screwed... What these supermarkets do - is two things: 1) they dont care 2) if they do - it will be based on your behavior, ur dress code, or the amount you transact --- A good conman will wear a suit - and shop for 50k..... But if you left your house in a hurry, got into your car and drove down to the supermarket- wearing slippers and a faded Celtel T-shirt,,, and you did shopping worth 20k - of cos they will be suspicious !
Hi guys, There's some little headache called chargebacks that everyone is trying to avoid, leaving the risk with the customer. Read up not Verified by Visa. Unfortunately for the institutions that issue cards under the visa scheme don't offer this service. Which is why y'all don't key in pins on ua visa cards. How many of you still sign the same signature on your ID card? Those tellers are supposed to compare what you sign & wats at the back of the card. The ID's purely to confirm names match as does the face. But remember, these same tellers have targets (minimum no of customers a day) so they kinda want you to move along as fast as possible. Know what security features are available on your card scheme (visa, mastercard, JCB, amex, etc) & challenge the provider, there's always something new :-) and an interesting excuse :( On 6/14/10, ndungu stephen <ndungustephen@gmail.com> wrote:
It depends on whether they really want to go through the trouble of authentication... Too much stress and holding the line etc etc...
Besides, they want to make the sales easier... So bring your credit cards ! - You can even steal your mum's !!!
PINs are not a good idea to float around at every transaction you do all over the world - credit card duplicators (people) easily trap these four digits and make a copy of your magnetic strips - and you are screwed...
What these supermarkets do - is two things:
1) they dont care
2) if they do - it will be based on your behavior, ur dress code, or the amount you transact ---
A good conman will wear a suit - and shop for 50k.....
But if you left your house in a hurry, got into your car and drove down to the supermarket- wearing slippers and a faded Celtel T-shirt,,, and you did shopping worth 20k
- of cos they will be suspicious !
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participants (13)
-
Barrack Otieno -
David Mugo -
Eric Mugo -
James Kagwe -
Josiah Mugambi -
Larry Madowo -
mash lists -
ndungu stephen -
Odhiambo Washington -
Okechukwu -
Solomon Mburu Kamau -
Tony Likhanga -
Wanjiru Njoroge