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My name is Mike. I work at a custom ladies shoes company, and these are some things I find inspiring or interesting in the moment. You can also find me on Twitter as @mikeee and at 22michaels.com

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How to prevent online fraud

Imagine if we could create a massive database of hashes (with a common salt to reduce Google-attacks) of:

  • a customer’s credit card LINKED TO
  • a customer’s email address, or a customer’s delivery address.

It would be the perfect API. That way, when an online shop receives an order, it can easily, and anonymously verify whether this email/address is legit.

Banks are in a perfect position to create this database. Consumers could register all possible combinations via a bank’s website, thereby reducing false negatives.

But… there’s no reason why such a database couldn’t be crowd-sourced.