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Nationwide card reader now mandatory to login?
Comments
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Can not be bothered to troll all through the right and wrong answers on this but I can advise I have just registered the login details with them today and yes I can still login using my memorable information but if I want to use a reader I can arrange to have one sent via NW Direct and I must be able to quote my customer number.0
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What I meant is that I can login with my card reader and then create a new transfer without using the card reader to confirm the transaction, so the transaction details can be modified by a MiTB attack.I am no expert, but the main point is that the confirmation code for a transaction is based on the details of the transaction, so the details cannot be changed, let alone 'phantom transactions'.
Other times I have been requested to use the card reader, so it appears to be random as to whether or not the card reader is required to authorise a transaction.
Maybe the card reader is always required to authorise transactions if you only login with memorable details.0 -
I am pretty sure that it's impossible to create a new payee and make a payment without a card reader. However, I have never used the card reader to login yet, and cannot be 100% sure that it's the case for NW.What I meant is that I can login with my card reader and then create a new transfer without using the card reader to confirm the transaction, so the transaction details can be modified by a MiTB attack.
Other times I have been requested to use the card reader, so it appears to be random as to whether or not the card reader is required to authorise a transaction.0 -
I am pretty sure that it's impossible to create a new payee and make a payment without a card reader. However, I have never used the card reader to login yet, and cannot be 100% sure that it's the case for NW.
You're right - a new payee, even for a tiny sum, needs the use of the card reader.
FWIW, when I did a customer satisfaction thing with Nationwide a couple of years ago, I sounded off to them about the need to always have the option to login using memorable data only, and they assured me that they were committed to always having this option available because of the number of customers who travel or use mobile devices. They said that the strategy was to maybe restrict what could be done without the card-reader, but to always provide access to statement/balances/internal transfers etc via memorable data-only access.0 -
If you don't want to delete the post, how about at least changing the title?
Maybe to something like:
"I thought Nationwide had disabled memorable data login but that is not the case"
That way you will prevent people wasting their time logging in to their Nationwide accounts to check (or even phoning Nationwide) on a wild goose chase.
No doubt you will say the question mark is sufficient. I disagree.
Out of curiousity, what percentage of people do you think click on a thread entitled "Nationwide card reader now mandatory to login?" and DON'T then read down as far as the 3rd post on that thread, but ring up Nationwide instead? Personally I'm thinking about 0%?0 -
Gosh! Are you always so right about everything? Wow!0
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Wrong.
It may always have been on the right of the screen where it is now TOO (I never saw it but I can't say it wasn't), but the fact is until very recently it was centrally placed and now it's not.
So it's NOT where it's always been.
On my PC it remains where it's always been for as long as I can remember
So it may be browser or even hardware dependent0 -
I guess there was another clickable object in the center that you simply didn't notice because of the smaller size.0
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I guess there was another clickable object in the center that you simply didn't notice because of the smaller size.
Yes, there was - the field you had to enter the password from the memorable data was in exactly the same screen position, so you could click on that and then immediately enter the password without moving the mouse.
It's that hotlink "Use memorable data to login" in the centre of the screen that has gone - the graphical link to that same option in the right-hand frame of the page *may* always have been there, but personally I'd never noticed it before, probably because I never needed to look for it.0
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