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Based on credit/debit card payments, combination of CV2, Address, PC, 3D, electoral roll, telephone, common sense, association, web checks, IP etc. Plenty of these combine for Fraud Screening with the right systems. Better still, auth codes are a great way of confirming the person using the payment card has rights/access to it beyond holding a card in hand. After that, if something doesn't look right, don't accept. Asking for proof of ID be it Passport or Driving License, except in the duty of law is lunacy!
Common sense? Otherwise known as assumption.
Many of the other options you provide (electoral, address, cv2, IP, web checks is all circumstancial and proves nothing regarding true ID).
Auth codes is better - but on a new customer signup/purchase, this doesn't help validate anything.
Just to note; I'm not arguing with you, I was just passing information forward, whilst also wondering how you go about screening your customers for fraud.