Re:An identity thief stole $5k from me. I spent two years tr...
by daveoc64 on Monday May 20, 2024 @07:50AM
(#40414446)
The second factor isn't always needed.
The banks use the sort of risk factors they do for other kinds of fraud protection.
If you make a larger transaction than usual, or try to make a transaction with a merchant you've not used before, then you'll usually be prompted to authenticate.
There's also a limit to how many unauthenticated transactions you can make within a period of time.
The banks use the sort of risk factors they do for other kinds of fraud protection.
If you make a larger transaction than usual, or try to make a transaction with a merchant you've not used before, then you'll usually be prompted to authenticate.
There's also a limit to how many unauthenticated transactions you can make within a period of time.