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It seems like most people have a mobile phone now (esp on bloody trains)
why not have a system where by if you opt in, your bank would simply send you txt msg every time money is withdrawn from your account - including the amount withdrawn,
thus anybody using a stolen credit card number would
alert the owner. who would then be able to report the false transaction -may even be able to catch the thiefs in stores
edit: this can even be used to keep on eye on your partners spending habits
"how much where those shoes"
- "only 9.99 pounds, love" -
"bolloxs, my txt msg says 99.95"
gulp.... may be used against you - "errr... yes they're art magazines"
First Direct text banking
http://www.firstdir...s/txt_banking.shtml
...so you can be reminded of how overdrawn you are every day! [hazel, Oct 04 2004]
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Baked in the UK. First Direct bank will send you transaction info by text if you so desire. |
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thats just for your balance and if your overdrawn - not a transactional thing, and i think you have you request the txt msg |
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sorry - just double checked, ur right.. might sign up for it |
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also checking the link -
have they just bought some boots at 6am ?? for 37pound with cash? how did they know about that?? |
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Some banks have anomaly detection systems that try to guess when a card is being misused. Once I grabbed the wrong card out of my wallet and put it in an ATM. The PIN didn't work, and I figured out my mistake and laughed. When I arrived home 30 minutes later, the phone rang and it was my bank asking me if I had lost my card. I thought it was pretty cool. |
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But I like this idea, it would allow the user to detect card uses that the bank systems would consider normal. |
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Let me know before this becomes popular so I can buy stock in a phone company or two. |
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I guess the anomaly detection systems work better that they used to. When I travelled in Europe in the 80s, I called American Express ahead of time to tell them so. After a couple of transactions, my card was de-activated because of suspicious activity: I'd never shopped or dined in any of these places before. Then of course there was the obligatory hours of bullshit shenanigans at the Amex office getting it turned back on. |
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Same thing happened to me in when I went to Moscow. Of course I neglected to inform them I was going there, and the phones there are nearly nonfunctional. Good thing I was in a group, or I'd have been screwed. |
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Same happened to me with AMEX. It appears that they are overly cautious. My company still uses the corporate card, but personaly I won't use one any time soon. |
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People who don't have SMS should be able to get the message by regular e-mail, like the execution confirmations from online stock brokers. |
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You'd think the credit card company might be able to figure out why the card is being used in Zanzibar, if the plane ticket was charged to the same card. |
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