I think the same...It happend to me that I just ask Claude to build whatever I need for my personal very specific use case without looking what else it's outhere
In the US, CA the name is not validated. My company is credit card issuer and authorizer, and we don't do any validation a part from CVC. Maybe some countries/iisuers do the name validation, but is not not common at all.
No. Credit card transactions cannot check for name or billing a part from the zip code. Also the zip code validation only works in certain countries like the US, and Canada.
The way to validate that works is Visa 3DS or MasterCard 3D Secure. Those sent an OTP from the issuer to the cardholder on the issuer database, usually an email or SMS. The issuer of the card is the only who really knows the owner of the card.