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Subject:  Re: Cap One CC Fraud Experience Date:  8/26/2013  6:20 PM
Author:  Windowseat Number:  307234 of 312188

Before that the most a merchant could do was validate the luhn checksum of the card's number - which was mainly used to detect transcription errors.

And before that the most the companies could do was send out lists of stolen or delinquent cards. They used to have these long lists, and if you offered your card the merchant would look it up in a booklet to see if the card was still valid.

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