Hi Phil,

 > I have a friend who is thinking about setting up one of those 0055 
 > services which requires callers to use their credit card for online 
 > payment. But I was asked to find out how does the provider of the 
 > service know if the credit card details are correct and also if 
 > there is actually the credit on the card ??
 > 
 > Basically there seems to be alot of room for fraud if callers want 
 > to give wrong card details or use a card that has been cancelled or 
 > the credit limit has expired...
 > 
 > Can anyone offer me some information about this ??

He first should have a talk with his bank, if it's possible for his
computer to call in with credit card details for a transactions, basically
a call that's a lot like the EFPOS terminals at most supermarkets and
service stations. He also needs to find out, how this information has to be
formated, so that the bank computer can read it and what reply the bank
computer will give on failure or aceptance. After that it's just a matter
of setting up a script file under the BBS program to carry out the task, or
writing a program to carry out the task. BTW, what sort of Program does he
plan to use to provide the service?

Hope that helps a bit,
                        Tom

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