OIC AVS in the US is not anything like the German model at all. It is all about filtering surfers that are not afraid to spend money on the internet. In the beginning it was primarily an effort to avoid prosecution by the "credit card wall" concept. Fraudulent practices do occur but the AVS systems are technically acting in good faith. They are not "truly compliant" as far as matching a card with a person, but under US law they are every bit as much a victim as the person the card belongs to and in the case of a minor using a card the AVS is the only victim.
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