False positives or negatives don't really matter with credit card systems because you have recourse from the perspective of the end-user. Obviously Capital One

False positives or negatives don't really matter with credit card systems because you have recourse from the perspective of the end-user. Obviously Capital One incurs costs around such things and so they have complicated infrastructure developed, sure. However from the end user perspective: If you have a credit card and a fraudulent charge appears you call the credit card, they freeze the transaction, contact the vendor who may or may not be able to corroborate the legitimacy of the charge, and it's done. The alternative would be using cash, where it is not possible at all. So in comparison to the alternative, I do believe it's "trivial." That being said I regret using that word, I should've used "straightforward", instead.