It's not full proof but something as simple as snail mailing a secret token for the human to confirm could be a large deterrent to a lot of online fraud. If you

It's not full proof but something as simple as snail mailing a secret token for the human to confirm could be a large deterrent to a lot of online fraud. If you use a stolen credit card with a billing zip code of 12345 and can't receive snail mail in the same zip code, that's a red flag. Maybe it's not this but point is, just make the person do some IRL action. Visit the registrars office to get an ID photocopied, or something like that. It's great to have everything online now, but it doesn't have to be 100% all the time. Just streamline the IRL part as much as possible and keep it as a security check in the process if nothing else.