Kingpin blogs about an ongoing prank/investigation about how often stores checked that the signature on his receipt or electronic panel actually matched the one on the back of his card. In the UK we’re largely isolated from this problem through the Chip-and-PIN system, however stores & restaurants still have to accept signatures to accompany non-UK issued cards.
(Kingpin draws a cartoon penis on the signature panel of the card machine)
Manager: Sir, your signature…heh…umm…doesn’t match the signature on your card.
Kingpin: I know and there is a good reason for that.
Manager: (quietly) You drew a penis on my credit card machine.
**The guy behind me bursts into laughter.**
Kingpin: Yeah, I didn’t think this would happen. I’ve been trying to see how far I could go with my signature before the credit card company did something about it.
Manager: I guess you learned your lesson.
Kingpin: Yeah, the credit card doesn’t accept penis.
**The guy behind me now can’t stop laughing.**
Manager: OK, I’m going to decline the signature and have you sign it again.
Kingpin: Fair enough.
Manager: This time, really sign it.
Anecdotally by way of someone I met at a party, in the 1970’s this guy had an incident with his accountant following a business trip to Hong Kong. While reviewing the VISA statement he saw a transaction for a large-ish sum of money at an expensive hotel bar, which he didn’t remember spending, and disputed the sale. Copies of the receipt were eventually produced, and the signature on the strip clearly said “Mickey Mouse“. The cardholder immediately said that it was obviously fraudulent, and the transaction was reversed. A couple of months later, while recounting the incident to his business partner he was suddenly interrupted by his wife, saying “Don’t you remember? After dinner at the [restaurant name] we went with [other people] to the [hotel name] and had a few drinks. You were drunk, and when the bill came you were mouthing off about how nobody ever checks the signatures, and you could sign whatever you liked… after which you made a point of signing it Mickey Mouse!”.