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"How so" -- what? What are you asking me?
Otherwise, you're just spreading disinformation.
If you want to discuss this issue, fine. But if you're just here to throw out some political bait, as usual, I'm not going to waste my time responding. The subject is: Obama Campaign Contribution Website Invites Fraud
Originally posted by Indigo5
reply to post by sad_eyed_lady
This is hillarious...
Anyone familiar with online Credit Card transactions knows that the BANK THAT ISSUES THE CARD WILL NOT ACCEPT PAYMENTS WITHOUT AN ADDRESS THAT MATCHES THE CARD.
NO...You CANNOT donate via credit card with a Name or address that does not match the card.
NO CREDIT CARD COMPANY WOULD PROCESS THE TRANSACTION
Credit Card Payment Processing--How It Works
The Issuing Bank (or Credit Card Association):
◦validates the card number and expiration
◦checks the amount of the order against the available credit
◦checks the billing address provided against the billing address on file
◦validates the CVV number (if provided)
The author "Scott W. Johnson" owns the blog you cited and he is a consistent far-right propagandist.
Banks DO NOT process anyones transaction without verifying name and billing address.
What he is accusing the Obama campaign of is IMPOSSIBLE...which is why he didn't go as far to say he checked with his CC card company and confirmed the payment was made.
But what the heck...It bashes Obama...just hold your nose and swallow....AGAIN.edit on 16-8-2012 by Indigo5 because: (no reason given)
Address Verification Service (AVS): With AVS, the billing address provided by the buyer during checkout is validated against the billing address on file at the customer's card issuing bank or credit card association. The AVS response is added to the authorization response and appears in the Order review page.
Merchants can set Risk Tools to flag or accept orders based on the AVS response returned by the issuing bank and First Data. AVS allows merchants to reduce the risk associated with online or phone (card not present) transactions.
The Obama campaign was able to take these donations because it had turned off the standard Address Verification System that screens credit-card charges for matching names and addresses.
The campaign failed to disclose 1,312 contributions totaling $1,972,266 that were transferred from a fund used to raise money with the Democratic National Committee.
Earlier today a friend of mine on Facebook posted a link to this blog post - Obama Campaign Not Using Verification System – which then references a blog post on Powerline, a well known website for supporters of the US Republican party, titled DUBIOUS DONATIONS ILLUSTRATED (ILLEGAL CONTRIBUTOR EDITION).
From the Powerline article
Trying the same experiment over on the Romney website likely would not work, because the address verification system would determine that there is no “Illegal Contributor” living at the State Penitentiary associated with the credit card.
“Likely“? Wouldn’t it be relatively easy to test? So I did. I went to the Romney campaign website and clicked on the donate link. I put in my credit card number, expiry date, and CCV, and donation of $1. I didn’t put in my own name and address in though. Instead I put in -
Name Steve Jobs
Address 1 Infinite Loop Cupertino, CA 95014
The Romney campaign response?
PS I’ve emailed the Romney campaign and advised them of the donation and that they should refund it in order not to fall foul of campaign finance laws.
PPS The email, a reply to their donation email and where they suggest corrections be sent … bounced -