title: verify credit card ownership when processing a payment
body: <p>In our website we have:
  - user registration (data includes name and last name)
  - an embedded payment system (powered by Stripe)</p>
  
  <p>Users can purchase items online and we want to be sure that the card they use to pay is actually owned by them, i.e. the card owner first name and last name match the user's name and last name (if it's not so we ask our users to update their personal data or to use another card). 
  We use Stripe as a payment services provider (btw, amazing!) but the question is platform independent. I was told that there is no actual way to achieve this (since payments can be processed without name and last name and bank don't return them), except than passing name and last name to the bank along with the card numbers in the charge request and <strong><em>hope</em></strong> that the issuer bank will perform a match control over them too and if wrong they reject the payment (but that's not guaranteed, many banks don't do it). </p>
  
  <p>On the strength of that, what is the best practice to get user identity verified when charging a payment?</p>