1. "
What about these special cards for VISA and other company that is a new one for each transaction.
The card number get created only for that transaction."
(a) I had one of those a couple of years back.
It was brilliant, but you could only use it online, not over the phone.
Issued when I got a Cahoot credit card.
They called it a "Cahoot webcard".
(b) Cahot terminated the service after a year or two.
They had been the only company in the UK mainland to offer this service.
(c) How it works:
The user installs the Webcard program on their PC.
Then whilst paying online, you click the icon in the system tray to run the program.
It contacts its home-base [securely by using encryption] and the user is given the details of a virtual, one-off, credit card.
The user specifies a limit for the amount that can be charged for this one-and-only transaction.
Supplies the info to complete the purchase.
It's only good for that single purchase, and the payee cannot take more than the limit specified by the payer.
2. I wish there was such a thing that could be used online, and would also be accepted for payment over the phone.
3. I once had trouble when attempting to buy online.
They had a system where just to enter the site they required that I give my debit card details.
Didn't give my card details online to login.
Instead I phoned the seller.
They said that with my details they would check that my account was good, by removing a small sum, then immediately pay it back into the account.
I phoned my bank and told them about this.
They said that when they see a small amount being taken from my account, the account would automatically be frozen, because this is typically the precursor to a fraudulent debit.
I again phoned the seller and told them this.
I explained about the Cahoot webcard, and asked if they would accept the details of this one-off credit card.
Lots of discussion...he said they would, and then they wouldn't.
I then paid over the phone, not using the webcard method but by the normal method, and all was well with that transaction.