Contactless

reclusive46

Hooloovoo wrote: »

Likewise in Australia, you put your card in the C+P machine and if it is below a certain amount it just comes up "Approved" without asking for the PIN.

Indeed much simpler and new hardware is not needed

callum9999

reclusive46 wrote: »

Indeed much simpler and new hardware is not needed

I don't get how it's much simpler? It's pretty much the same, but tapping a card against a pad is demonstrably easier than putting it into a slot (despite that itself being really easy and simple - though working at a supermarket, you'd be amazed at the number of people who put them in the wrong way around etc.!).

And that scheme is only in a couple of the countries biggest supermarket groups - it isn't a standard scheme across the country, nor do I think it ever will be.

reclusive46

callum9999 wrote: »

I don't get how it's much simpler? It's pretty much the same, but tapping a card against a pad is demonstrably easier than putting it into a slot (despite that itself being really easy and simple - though working at a supermarket, you'd be amazed at the number of people who put them in the wrong way around etc.!).

And that scheme is only in a couple of the countries biggest supermarket groups - it isn't a standard scheme across the country, nor do I think it ever will be.

I'm pretty sure in the USA with the swipe and no signature its practically on every under 25 dollar transaction. From personal experience.

Gromitt

callum9999 wrote: »

(despite that itself being really easy and simple - though working at a supermarket, you'd be amazed at the number of people who put them in the wrong way around etc.!).

Then they should do like the americans - don't trust the customer, take the card from them, swipe it yourself, and hand it back.

reclusive46

Gromitt wrote: »

Then they should do like the americans - don't trust the customer, take the card from them, swipe it yourself, and hand it back.

lol :P


From personal experience most supermarkets have the machine you swipe through and actually sign with those stupid stylus things. The supermarket never even checks the signature. Very secure. I've had this happen to me at Walmart and Target.

callum9999

reclusive46 wrote: »

I'm pretty sure in the USA with the swipe and no signature its practically on every under 25 dollar transaction. From personal experience.

Oh I was referring to Australia - didn't notice that bit about America. Though as signatures are ridiculously insecure anyway, it working there doesn't mean it could work here! (I'm pretty sure I could learn to copy all but the most elaborate signatures within an hour or so!).

Gromitt wrote: »

Then they should do like the americans - don't trust the customer, take the card from them, swipe it yourself, and hand it back.

That seems a bit ridiculous though, considering the machine you put the card in is in the possession of the customer anyway!

reclusive46

Out of interest what happens in places like America (With an EMV contactless card) when you use contactless, If you hit your limit. How can the counter be reset if you can't do a EMV transaction?

dalesrider

lewis92 wrote: »

i thought the whole point of contactless was to prevent fraud because the card never leaves your hand , your should be able to pay for anything with contactless but put the pin in if over a certain amount.. e.g £20

anyone else think you should be able to buy shoppping and other things with contactless ?

Contactless will not prevent fraud.
Remember that every transaction made at any retailer. The retailer side of the till roll has the full card number on. This is where the vast majority of fraud is sourced.
Contactless is no diffrent.
In fact there is a more risk of fraud to a card provder on contactless if your card is stolen.
Hence why their is a limit on the amount you can spend before having to PIN a transaction.
02 is £20 in total, stated in their T/C. Other card providers will be higher or possibly lower.
I do know with the 02 money card as soon as you make a purchase you get a text telling you how much you spent, so their's are online. Other card providers may not be.

End of the day it is no diffrent to PIN or a online transaction.

To answer the OP. Yes you can use your contactless card at a retailer for a higher purchase. They will ask you to put it in the PIN terminal same as you would a non contactless card.

Plxply

reclusive46 wrote: »

Out of interest what happens in places like America (With an EMV contactless card) when you use contactless, If you hit your limit. How can the counter be reset if you can't do a EMV transaction?

In the US they don't support the same type of contactless system as we do, there is basically MSD and EMV. MSD is the simple method still used in America where the card just gives the data that is on the magnetic stripe to the contactless terminal. EMV is the industry name for Chip and PIN.

As far as I know the attacks on contactless cards where they show a phone getting the card number is where the UK bank card supports both MSD and EMV so it can fall back to MSD when you are in countries without EMV. With MSD (Magnetic Stripe Data) it's then just processed as a swiped transaction by the terminal so there is no limit.

reclusive46

Plxply wrote: »

In the US they don't support the same type of contactless system as we do, there is basically MSD and EMV. MSD is the simple method still used in America where the card just gives the data that is on the magnetic stripe to the contactless terminal. EMV is the industry name for Chip and PIN.

As far as I know the attacks on contactless cards where they show a phone getting the card number is where the UK bank card supports both MSD and EMV so it can fall back to MSD when you are in countries without EMV. With MSD (Magnetic Stripe Data) it's then just processed as a swiped transaction by the terminal so there is no limit.

Ah I see. So if the card supports it is essentially using a different program on the RFID?

Am I right in thinking that most phones that support contactless payments (IE. Google wallet, when it comes into the UK) will support both EMV and Magstripe contactless transactions?