@maiyannah @bob It makes me wonder why the industry doesn't simply create a secure mechanism for payment and authorization that's non-repudiable. E.g. my bank debit card works with a (presumably uncopyable) chip and PIN, both are required to create a valid signature through a small helper device (thing reads color codes from screen and gives you a number to type back in). There's very little risk involved for the retailers as once they've been given the sign by my bank that I've paid they know my bank will hand out the money.