Green Energy
Obama has raised unexpectedly large amounts of money this election season.
After writing twice about the deliberate decision by the Barack Obama campaign to avoid validation checks on credit-card contributions, I’ve heard from a number of people in the credit-card industry on how this works. Two explanations in particular explain the depth of deliberation and deception involved in disregarding address and security-code verification. The first explains that Team Obama probably didn’t just opt out of using these verification processes, but more likely rewrote the code on their site to bypass them, emphases mine:
Another fraud-prevention veteran notes that Team Obama has at the least provided a testing ground for thieves looking to validate responses:
Thanks to Team Obama, millions of people now have to wonder whether they’ve been victimized by credit thieves. Some of us wonder if the thieves aren’t really working at Team Obama in the first place.
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Green Energy
Credit-card experts explain the extent of Obama’s deception
Obama has raised unexpectedly large amounts of money this election season.
Obama is practicing extensive credit card deception.
Obama's deceptive credit card practices make it impossible to trace where the money is coming from.
Where do you think it's coming from?
Look at this list of peoples and organizations which endorse Obama.
From Ed Morrissey:
After writing twice about the deliberate decision by the Barack Obama campaign to avoid validation checks on credit-card contributions, I’ve heard from a number of people in the credit-card industry on how this works. Two explanations in particular explain the depth of deliberation and deception involved in disregarding address and security-code verification. The first explains that Team Obama probably didn’t just opt out of using these verification processes, but more likely rewrote the code on their site to bypass them, emphases mine:
I have over 30 years of experience in investigating Credit Card Fraud and I can tell you, which you may or may not know, that the merchant acquirer that is conducting the collection of credit / debit card for the Obama campaign are responsible for the actions to be taken regarding the Address Verification System responses. The value of the AVS system is that the issuer of the card being used provides back to the merchant acquirer a response based upon the information provided during the authorization process. This response indicates to the merchant acquirer if the card information was validated as to ownership of the account. It is the merchant acquirer that determines what to do when the authorization response is received. In most cases the transaction that comes back with any negative meaning is denied. However, if the merchant acquirer has adjusted their system to accept any response as acceptable the transaction would be completed.
The value of the AVS system is to deny Card Not Present transactions (CNP) which are suspicious. This protects the merchant against charge backs for bad transactions. What is interesting to me is that the merchant acquirer has knowingly violated a basic CNP fraud prevention technique to accommodate a merchant (Obama Campaign). I think that both the Associations (VISA & MasterCard) would be highly interested in looking at the merchant acquirer that was processing these transactions. The value of ignoring the AVS responses is that multiple invalid transactions may be made without fear of being rejected by the authorization systems. This means that the real owner of the credit card account is willing to allow multiple transactions to be made on the account using different names and addresses that under normal conditions would be denied. The merchant acquirer has a complete listing of all transactions done and it would be very interesting to see how many transactions were conducted on the same account number using different names. I would think that this would be a Federal violation under the current campaign funding laws.
Another fraud-prevention veteran notes that Team Obama has at the least provided a testing ground for thieves looking to validate responses:
You may have mentioned this elsewhere, but disabling the security allows would be credit card thieves to “ping” numbers till they get a hit. The number of “pings” should have raised flags at Visa and MasterCard, don’t you think?
I wonder if they warned the Obama campaign, or worse, ignored it.
In other words, a crook could simply type in random numbers until he found one sequence that worked in some fashion. That could give a thief a starting point for committing credit-card fraud. If all they had to do was type nonsense values for names and addresses, such as Doodad Pro, they could quickly determine which numbers were valid — and they could probably program bots to do that kind of work.
Thanks to Team Obama, millions of people now have to wonder whether they’ve been victimized by credit thieves. Some of us wonder if the thieves aren’t really working at Team Obama in the first place.
- Who Are We? Detroiters Elect **8 Time** Ex-con Brian Banks As State Rep
Ellsworth Toohey Says: All you fools fluffing for individual rights take note, here is the Detroit which the govt saved.CBS Detroit:Among the new group of state lawmakers to emerge from Election Day on Tuesday is Brian Banks, who has been convicted...
-
Wired: Feds Warrantlessly Tracking Americans’ Credit Cards in Real Time By Ryan Singel Federal law enforcement agencies have been tracking Americans in real-time using credit cards, loyalty cards and travel reservations without getting a court order,...
-
MasterCard Offers New Interest-Free Sharia Compliant Credit Card To Muslims The iFreedom card?... A new interest-free credit card, the first of its kind in North America, aims to reconcile Islamic canonical law and Western consumer culture.Click...
- Credit Card Use By Terrorists
Think it can't happen to you? So did I. But late last summer someone used my Credit Card to run up nearly $4,000 of airfare and other items throughout Europe, traveling mainy on 9/11 and 9/12 to add insult. Now before you say shame on me know that...
- Will Barack Obama Win The Election Through Fraudulent Campaign Contributions And Voter Registration?
Just say no to vote fraud!Imagine a campaign website that intentionally turns off all credit-card security, an unprecedented step that allows bogus names and addresses for donations. Imagine a campaign that accepts made-up credit-card numbers, which...