Debit fraud investigation.

grumbler

jonesMUFCforever wrote: »

I am trying to tell you that all ATM's are not chip and Pin enabled but read the magnetic strip.
You don't seem to believe me.

I just was skeptical and still am. You will convince me if you try what I suggested - blocking the contacts - and report back the results.

I did not say I put 3 wrong PINS in ATM but at a point of sale eg shop.

My point was that if the mechanism of blocking was the same, a card blocked by entering incorrect PIN in ATM would keep working in ATMs regardless.

I still don't quite understand reclusive's explanation, but I admit that I could have been mistaken about this.

jonesMUFCforever

My only current account is with Lloyds - I don't have a debit card from other banks.
What I do know is that it is possible for a debit card to work in an ATM but not at a shop - for reasons described previously.
This has to be because the ATM reads the magnetic strip. If it did not read the strip but relied on the CHIP it would not work for the reasons you have described.

grumbler

jonesMUFCforever wrote: »

This has to be because the ATM reads the magnetic strip. If it did not read the strip but relied on the CHIP it would not work for the reasons you have described.

IMO your logic is flawed. However, if your card will work with blocked contact plates I will agree that ATMs rely entirely on the strip.

meer53

ATM's read the chip if one is present, if not, they will read the mag strip.

grumbler

meer53 wrote: »

ATM's read the chip if one is present, if not, they will read the mag strip.

What you say is meaningless. What's the point of the chip if braking/blocking it (= making it not present) doesn't stop the card from being used.

The questions are:

1. Do all UK ATMs check if the card has to have a chip?
2. Do all UK ATMs reject a card if it has to have a chip, but doesn't have it actually (or it's damaged/blocked)?

VictimOfImpersonation

Your questions are good, grumbler! I believe that organised crime would love to have a scheduled response too! Somehow I don't think we will be told the answers here

JuicyJesus

grumbler wrote: »

What you say is meaningless. What's the point of the chip if braking/blocking it (= making it not present) doesn't stop the card from being used?

This is a better argument for removing the magstripe entirely than it is against the magstripe being used if the chip is damaged.

grumbler

VictimOfImpersonation wrote: »

Your questions are good, grumbler! I believe that organised crime would love to have a scheduled response too! Somehow I don't think we will be told the answers here

Well, as I said above, I don't see any real problems with providing YES as both answers in practice (10 years after chip&pin was first trailed in UK).

Combined with the fact that (apparently) chip can't be cloned this would make (already made?) it impossible to use cards with cloned strips in UK ATMs.

It's just a common sense really, not a top secret.

VictimOfImpersonation

grumbler wrote: »

Well, as I said above, I don't see any real problems with providing YES as both answers in practice (10 years after chip&pin was first trailed in UK).

Well they can't simply say YES if the answers are 'NO, for the following reasons in the following cases', now can they ?:p

Combined with the fact that (apparently) chip can't be cloned this would make (already made?) it impossible to use cards with cloned strips in UK ATMs.

I am sure if it was that simple then you'd be right.

It's just a common sense really, not a top secret.

Nope, because the real answers may not be as common-sensical as you might expect, those answers may indeed not be volunteered to us.