Bletchleyite
Veteran Member
And also how if you have a contactless capable card not using it in any way improves your security.
I don't think we'll see cash disappearing until the people who make these decisions have an alternative, non-traceable method of paying for sex and drugs.
Makes no difference. If the leccy goes they have no way of determining how much you must pay. All goods are bar-coded and that is the only way they are priced. No leccy, no bar code readers. Even if they had a sticker on them saying "50p" it would still not help as the cashier has no way of tapping 50p into the till. The checkout only recognises goods, not prices and its needs leccy to turn the goods into prices.
Which is why during Storm Desmond, the only shops open around here were small private ones who weren't reliant on electronic tills and card readers. They reverted to the "old fashioned ways" of adding up with a calculator (or shock horror - in their heads) and could actually work out change without the crutch of a till to work it out for them. The ones who used EPOS systems just used a tally system to make a note of what they were selling. Funny how we all managed perfectly well before computers - those old enough to remember used those old fashioned skills to stay open and operational.
Care to explain how its less secure?
Especially interested in how Google Pay is less secure than chip and PIN.
Less cardholder verification. Any Tom Dick or Harry could illegally create a device which could take money off from a card with an "accidental" nudge or knock.
And also how if you have a contactless capable card not using it in any way improves your security.
I leave my bank card at home unless I need to go to the bank to put some money into my account, or buy something like Clothes.
I would think you very unusual by doing that.
That doesn't answer the question of how it's less secure than chip and PIN.My Google Pay only has loyalty cards such as my Nectar and Costa Coffee cards on there.
Because I don't trust myself to become a spendthrift again.That doesn't answer the question of how it's less secure than chip and PIN.
Why? It reduces the chances of me blowing my monthly budget, especially on days when I go out somewhere, plus as I don't do food shopping for my family (hate shopping at the best of times - would rather do it online!) It's not odd. It's just better budget control.
As I said up thread, I used to use contactless and chip and pin all of the time, and at one stage I spiralled that much out of control, I ended up going into constant unauthorised overdrafts, with the result being that the bank i was with said enough was enough and closed my account (it didn't help a certain defunct (DB owned) TOC would take nearly half a month to process on board payments!)
Because I don't trust myself to become a spendthrift again.
That's not a security or technical flaw in contactless though, is it?Why? It reduces the chances of me blowing my monthly budget, especially on days when I go out somewhere, plus as I don't do food shopping for my family (hate shopping at the best of times - would rather do it online!) It's not odd. It's just better budget control.
That's not a security or technical flaw in contactless though, is it?
You could achieve the same result by using a card tied to a prepaid account and only transferring your monthly budget (or a proportion thereof) to it at a time.
That's exactly what I do since I started using Google Pay whenever I can. I have a much better idea where my money has gone than when I used to wonder where that £100 cash that I withdrew last Tuesday (or was it Friday?) had gone.
It was in about 1998, but I went to an Asda during a power cut once, and they were estimating the value of peoples' baskets and trolleys and taking cash. Of course, in 2020, they could as well be using a battery-backed mobile-network-connected C&P terminal to do so.
I'd imagine TBH that in a supermarket you could get quite close by estimating each item (other than expensive electronics and similar) to cost about £1.50-£2 or thereabouts.
It was in about 1998, but I went to an Asda during a power cut once, and they were estimating the value of peoples' baskets and trolleys and taking cash. Of course, in 2020, they could as well be using a battery-backed mobile-network-connected C&P terminal to do so.
I'd imagine TBH that in a supermarket you could get quite close by estimating each item (other than expensive electronics and similar) to cost about £1.50-£2 or thereabouts.
As recent as the 90s' Kwik Save checkout staff memorised the prices of the stock they sold - there were no price labels on items and they used the old fashioned tills - no EPOS, bar codes, etc.
one petrol station lady near Rochester in Kent literally lost it and called the Police accusing me of fraud
I had a shop say the card machine wasn’t working and I would need to sign the chit.
Problem was I found I hadn’t actually signed any of the credit/debit cards in my wallet for them to compare to!
Since liability shift it very much is about attempting to detect fraudulent use on the spot.TBH that doesn't actually overly matter. The signature isn't primarily about comparing it on the spot, it's about recalling the slips in the event of fraud being reported and checking it then.
Less cardholder verification. Any Tom Dick or Harry could illegally create a device which could take money off from a card with an "accidental" nudge or knock.
...
This particular issue is *very* easy to solve, for literally a few pence you can buy cardboard/foil sleeves which fit in the card slots in your wallet, and when the card is inside it is unreadable (any yes, I've tested it and it works).
How else are you supposed to stop the mind-control beams?Might as well make yourself a tin-foil hat at the same time?
To be honest, I refuse to use contactless (I only have Google Pay in order to keep my loyalty cards together) as it's less secure than chip and pin and easier to spendthrift than cash.
With businesses (including TOCs) all over the place saying that they won't take cash due to contamination risk...will they start again, or is cash now dead?