Imagine how simple this really is:
People standing in line at a shop. Person "A" is standing in front of "B".
B is "on the phone" (although really they aren't, they are just waiting for the right moment).
A takes out their credit card to pay for product at said shop.
*click*
B purchases multiple items on internet via A's credit card number which was conveniently photographed with a cell phone.
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