RE: FV Demonstrates Fatal Flaw in Software Encryption of Credit Cards

Changing the subject doesn't change the point. Your announcement implies that users are liable, and that is incorrect. This is misleading, and in my view, reprehensible. This was the point of my post. The fact that the fraud is traceable when detected should have been self evident.

I think there is an even stronger point to be made. We can be relatively sure that VISA is not going to go out of business any time soon. On the other hand, if an E-mail intercepting virus lost FV tons of money, FV might conceivably go belly up sticking their customers with the bill. With FV, there might indeed be a risk to the user. David