To corvett and other billing related people - why to do not try to develop some kind of on-line signature suitable for common use??? I understand that it's not that easy, but it would solve the fake chargebacks problem almost completelly.
Regretably I can't figure out what it could be... Obvious way is to make some kind of authorisation server, where user have to register first, proove in some way that he really is who he claims to be, then get some unique digital signature. Later he will be able to use it for all on-line payments. But this is, indeed, too complicated way for most of ordinary users and most likely it won't be popular (also some privacy questions may arise).
Just a thought poped up after I saw this news:
http://www.ananova.com/news/story/sm...atestheadlines
Do not beat me hard
