[153690] in North American Network Operators' Group
Re: Dear Linkedin,
daemon@ATHENA.MIT.EDU (valdis.kletnieks@vt.edu)
Sun Jun 10 16:36:09 2012
To: Owen DeLong <owen@delong.com>
In-Reply-To: Your message of "Sun, 10 Jun 2012 12:29:46 -0700."
<F6EA438C-505E-4EB0-9B1D-4C941553B3E7@delong.com>
From: valdis.kletnieks@vt.edu
Date: Sun, 10 Jun 2012 16:34:55 -0400
Cc: NANOG <nanog@nanog.org>, Joe Greco <jgreco@ns.sol.net>
Errors-To: nanog-bounces+nanog.discuss=bloom-picayune.mit.edu@nanog.org
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On Sun, 10 Jun 2012 12:29:46 -0700, Owen DeLong said:
> It is far preferable for the merchant to request ID and verify that the
> signature matches the ID _AND_ the picture in the ID matches the customer.
Maybe from the anti-fraud standpoint, but not necessarily from the merchant's viewpoint.
It's only better if nobody's standing in line. If matching the ID and
signature and picture reduces fraud from 4% to 3%, but increases the time to
serve the customer by 5%, you're losing money due to fewer sales/hour.
And the local supermarket can save a *whole* bunch of money if they can get me
to scan my own stuff and pay with a debit card with minimal/no interaction with
the staff. Sure, might be a bit higher fraud rate, but being able to run 4
almost-unattended checkout lines more than covers it. Figure a warm body costs
$8/hour - as long as the added fraud is under $32/hour, they're coming out ahead.
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