от cnerd » 25 Фев 2014, 14:54
None of these verification procedures really works, so why even bother with them?
ID verification is an old method, most of the perpetrators have many many ways to bypass this verification procedure.
In Bulgaria, a fake ID costs about 100-200 Euro, in Russia - about 5 times cheaper.
A fake scan of an Utility Bill? This costs around $5 and there are many many sites that offer this service. Takes about 2 minutes and they even send you the document in .pdf/.jpg/.docx.
I wish that was all of it, but its actually not. If you search enough in the onion network, you will find "registry bundles" that include Drivers License, Government Issued ID, valid private e-mail address (non generic with a private TLD), filled in agreement form, notary stamp, signature cut and domestic bills with a valid address, for the price of $200 a piece. None of the verification procedures you have in place can deal with that. This leaves you with the only option to sit and wait for somebody, who knows exactly what he is doing, to mark you as a target.
We have spent 20 years developing anti-fraud techniques, fraud analiztion methods, merchant gateways and many many more tools to allow us to implement the real money in the internet world. And where did this get us? I should say - nowhere.
Why you ask? Because the Credit Cards were never meant to work over TCP/IP, thats why. The internet protocol was designed without the concept of "hidden/private" information and because of this, fraud will be a forever persistent factor in this equation.
Now we say "Yea, but, look at PayPal", and to a certain degree you will be correct, because for a first time we had a payment platform that was designed for internet use only. And here another question appears. If PayPal is so great, if their anti-fraud system (IGOR) is so profitable (this is the correct word here, PayPal still takes a lot of fraud, but not enough to be a problem for them, which is what we are all aiming for) , why do the rest of us have to continue using the old Verification Procedures?
I think Bitcoin.de is a great exchange for Europeans, mostly because of SEPA, and due to that my opinion is you need to revolutionize the verification process... and even if you dont, please, please, do not go a step back with the notary stamp.
The easiest solution you have is a One Time Bank Transfer Verification. People would much rather go to the bank and send you 5 Euro instead of going back and forth days for a single stamp.
I, too, went trough the procedures for verification an account with you, and to be quite honest, I felt utterly helpless at a certain time, just like 6 years ago, when our own Bulgarian e-pay system denied to verify my account, even though I went to their headquarters, and instead insisted that the only suitable method for verification is for them to send me a snail mail to my home address in the next 2 weeks.
my 5 cents