UK Switch

[Nicholas Bohm]

At 00:51 06/06/2002 +0400, you wrote:
>Hi
>
>Thanks folks for providing this info.
>Though I agree, that the question was off-topic, this was a good forum for a
>non-UK resident to find out certain UK market information.
>I am involved with a similar project in the UAE wherein UAE switch compliant
>cards would be used on Internet (basically card holder not present).
>Security perspectives are obviously a key to this roll-out given the fact
>that the UAE switch member cards do not have such detailed charge-back
>kindoff facilities like their counter part credit cards.
>What I gather from you is that in addition card number & expiry/start dates
>an issue number (probably just a sequence) which is printed behind cards is
>used like a PIN (rather CVV2/CVC2)
>
>Can the buyer charge-back such internet purchases with his issuer ? Are
>there any additional security solutions that some more proactive banks have
>taken ?

I don't know whether there are formal chargeback procedures; but since the 
card issuer needs to be able to prove his authority to debit his customer's 
account if that authority is challenged in a particular case, and since he 
cannot prove that he has that authority without a conventional written 
voucher (or, in principle, some other cogent evidence that the customer 
authorised the transaction), the customer can repudiate transactions where 
he was not present to sign a voucher.  In the absence of chargeback to the 
merchant, the loss falls on the card issuer.  Most will prefer to shift it 
to the merchant.

Regards

Nicholas Bohm

Salkyns, Great Canfield,
Takeley, Bishop's Stortford CM22 6SX, UK

Phone   01279 871272    (+44 1279 871272)
Fax     01279 870215    (+44 1279 870215)
Mobile  07715 419728 (+44 7715 419728)

PGP RSA 1024 bit public key ID: 0x08340015.  Fingerprint:
9E 15 FB 2A 54 96 24 37  98 A2 E0 D1 34 13 48 07
PGP DSS/DH 1024/3072 public key ID: 0x899DD7FF.  Fingerprint:
5248 1320 B42E 84FC 1E8B  A9E6 0912 AE66 899D D7FF