Hacker News Reader

> and nothing stops a promising career in white collar crime in its tracks quite like a decline in the Walmart checkout aisle with $5000 of merchandise in the cart.

It is not Walmart that suffers, but the thief trying to use a stolen / fraudulent card at Walmart that suffers.

OP mentions it is a automatic and manual process of hellbanning. I am sure they will have the corner cases covered.

View on HN

That's correct - I'd suggest flagging for immediate attention based on activity bounds beyond the norm (3 declines from different cards for instance) and then hellbanning if appropriate. Obviously we'd never want a situation where a real user ended up hellbanned, so the final decision is left up to a human.

Ok that seems more realistic, the actual process is key, I assumed it would be automated with no human intervention.

Reply on news.ycombinator.com