The process of identification is one that identifies friend or foe and one that builds trust. In commerce, that process extends to ensure that the transaction has a good chance of succeeding, where buyers will get what they bought in goods or services and sellers will get paid. But if technology can pave the way to a smoother process, so, too, can it facilitate fraud, in the wrong hands. Simply put, hackers can mask identities, rendering sellers too trusting, perhaps oblivious and, ultimately, victimized.