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Message-ID: <1021597785-1111283501-cardhu_blackberry.rim.net-5957-@engine35> From: jasonc at science.org (Jason Coombs) Subject: Re: choice-point screw-up and secure hashes > When the merchants enjoy lower > liabilities as a result of fraud > reduction things become a little > different That's what Visa and Mastercard said about Secure Electronic Transactions (SET) as a replacement for SSL and merchant risk management business expertise. Oddly, neither the banks nor credit card companies wanted to absorb the cost of fraud any more than they already do, so they had nothing at all to offer SET merchants except empty and false promises... A merchant who ships merchandise on an Internet Mail Order/Telephone Order credit card processing account with a merchant bank and then has a charge-back due to fraud or a customer who doesn't want to pay is still the one who ends up with the loss. Regards, Jason Coombs jasonc@...ence.org
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