How Does Obama Raise All That Money?

My mom asked me innocently tonight how is that Obama has raised so much money. I mean $150 million in the last month is no small feat. Aren't we in a recession? I find it strange that no one is raising the issue that Obama is essentially buying the election. If John McCain went back on his promise of taking public money, the press and public opinion would be up in arms, reminding us over and over about him breaking his promises, yet Obama is applauded for his fundraising abilities.
Anyway, how does Obama raise all that money? It seems that it's easy when you don't have simple checks on the mechanism for donating your money. I mean when you raising millions I guess there is just no way to keep track of all those donors if don't want to keep track of them:

John Galt of Ayn Rand Lane (zip code: a nonexistent 99999) was able to donate with no problem.
Despite the fact that the card holder's name and address do not match the name he provided.
John McCain's website? Rejected the same non-matching-information donation.
I guess when you're gathering up tens of millions from the Saudis and Gazans you have to be a little lenient on matching up credit card donations....
Again, though: If Obama were demanding that credit card information matched donor information, he couldn't draw in $150 million largely from fraudulent overseas donors.
Anyone see a pattern? Jennifer Brunner isn't bothered by "voters" with non-matchable information casting votes; Barack Obama doesn't take the most basic safeguard of ensuring that a donor's information matches the information on his credit card.
Try buying something anywhere with a credit card. You check to see if you can get away with entering false information about your name and address.
An automated check bounces all such attempts. Unless this safeguard has been specifically disabled.