Do you really think it is that easy?
As per Indian regulations, there is no longer any need to sign a customer receipt as all transactions are approved by pins.
Why won't the DB merchant contest the disputed transaction with other proofs including CCTV footage? Your mobile phone will also give away your location.
And if he won't succeed, he will probably blacklist you or wait that you show up next time to catch you.
Sent from my SM-G935F using Tapatalk
Like I had said, I’ve already tried it out. I wasn’t asked a question and I got my money back.
After all, if CC doesn’t try their best to win the money back to me, they are probably going to lose a customer. I’m a trustworthy customer as I’m using all my CC past 8 years. Therefore, CC would go hard on the merchant.
Merchant can use CCTV footage but they would need to remember it was me. And relying on ones memory to be able to dispute charges sounds like a bad idea to me.
The mobile phone will surely give out the location. However, the location is with the SIM card company. CC will have to make a case to know if I was near to that DB. But remember, here CC is not the one who’s trying to know if I was in DB. It’s the DB who wants to prove I was in DB. But I don’t see a way DB would know my number and would go to an extent to get my location.
CC company here is in my favor and is only waiting for proofs from merchant. It’s the merchant who needs to go and figure out it was indeed me, or else lose the money.
Also, our mobile phone connects to a cell tower. It’s always the nearest cell tower location that our phone reports as our location.
Our exact location can be known by performing cell tower triangulation. Read about it.
Now a days with modern phones with GPS chips, users exact location is calculated by combining GPS data and cell tower triangulation. It’s called as Assisted GPS.
Irrespective of how users exact location could be known, SIM card companies can’t maintain a log of users exact location as it’s a privacy violation. So they only maintain the cell tower to which a device is connected to. Nothing else. And I could be several KM away from a cell tower to which my phone is connected to.
I work in Mobile phone industry.