It all sounds great and I'm sure as it gets tested on even *more* sites with even more real-world situations being applied to it, it will be refined and modified so that it truly kicks ass.
My question is what happens when the customer doesn't call the processor or site owner, but instead calls Visa or their bank directly?
I've heard horror stories of amateur girls who had ip logs, access logs, chat logs, emails, and even pictures (sent via email) going as far back as 8 months for a customer trying to claim that he'd never accessed the site, but he got his chargeback anyway.
I can understand if the customer calls the site owner or processor, you can have someone tell him "we have your voice recording", but I don't see how this helps if he calls the bank or Visa directly?
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