[andomar]

Treating 1 out of 10.000 customers badly is hard to avoid.

[chanux]

But if you are a company (a good one), you should have a backup plan to help that 1 user.

[andreyf]

And what would you suggest that backup plan should be? Keep in mind that the false positive rate is probably about 1 out of 100, and fraudsters are going to get really big payouts if they figure out a way around your backup plan.