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Damn it I want the same two way verification option Google provides that allows me to approve or deny a charge over X amount either via a phone call or text message.

The X amount would be set by myself, but the amount set would have to be something like $300 & over.

The cost and time to implement this option for US bank customers would be nil compared to implementing Europe's chip and pin system.

US banks have no current incentive to implement the European system as it's too costly comparative to the fraud that's happening. Thus we need a less costly & quick solution. This is one anyone have others?



EMV (known as Chip and PIN in the UK) is coming to the US in 2015: http://www.bankinfosecurity.com/interviews/visa-on-emv-in-us...


> the European system [is] too costly comparative to the fraud that's happening

Citation needed


FWIW, I've been with 5 european banks and never had a single instance of fraud.


FWIW, I've been with three US banks and have had zero instances of fraud. :)




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