> Heck let the name submitted with the number be a longer checksum that can be verified at point of sale to figure out who’s actual account it is. That's going

> Heck let the name submitted with the number be a longer checksum that can be verified at point of sale to figure out who’s actual account it is. That's going to be one hell of a lot of an issue in practice. Hotels, car rentals and AFAIK even some airlines want that the name of the card holder matches the name on the ID card.