Contactless use ATM

WillPS

HillStreetBlues said:

531063 said:

As said in Spain they have contactless ATM's but you do have to input your pin 1st

I personally wouldn't describe that as contactless.

on what basis?

HillStreetBlues

WillPS said:

HillStreetBlues said:

531063 said:

As said in Spain they have contactless ATM's but you do have to input your pin 1st

I personally wouldn't describe that as contactless.

on what basis?

On the basis you need to make contact  by entering your PIN

WillPS

HillStreetBlues said:

WillPS said:

HillStreetBlues said:

531063 said:

As said in Spain they have contactless ATM's but you do have to input your pin 1st

I personally wouldn't describe that as contactless.

on what basis?

On the basis you need to make contact  by entering your PIN

... so imagine you didn't need to enter your PIN, how would you tell the ATM what service you require (and the amount in the case of a withdrawal)?

Contactless refers to the method the card communicates with the terminal. You've inferred something beyond that for some reason, but that isn't correct.

As another example, there are contactless-only payment terminals (with no chip reader) which will prompt you for a PIN if the card requires it. Still contactless if your card isn't being physically read.

HillStreetBlues

WillPS said:

HillStreetBlues said:

WillPS said:

HillStreetBlues said:

531063 said:

As said in Spain they have contactless ATM's but you do have to input your pin 1st

I personally wouldn't describe that as contactless.

on what basis?

On the basis you need to make contact  by entering your PIN

... so imagine you didn't need to enter your PIN, how would you tell the ATM what service you require (and the amount in the case of a withdrawal)?

Contactless refers to the method the card communicates with the terminal. You've inferred something beyond that for some reason, but that isn't correct.

As another example, there are contactless-only payment terminals (with no chip reader) which will prompt you for a PIN if the card requires it. Still contactless if your card isn't being physically read.

If all you do is wave the card and that's it then it's 100% contactless, if you wave your card but have to enter the pin 50% of the process is contactless, if you have to put the card into a machine and enter PIN then 0%  is contactless  as clearly there is a difference between them.
In the case of the ATM it depends on what 50% you look at.

WillPS

HillStreetBlues said:

WillPS said:

HillStreetBlues said:

WillPS said:

HillStreetBlues said:

531063 said:

As said in Spain they have contactless ATM's but you do have to input your pin 1st

I personally wouldn't describe that as contactless.

on what basis?

On the basis you need to make contact  by entering your PIN

... so imagine you didn't need to enter your PIN, how would you tell the ATM what service you require (and the amount in the case of a withdrawal)?

Contactless refers to the method the card communicates with the terminal. You've inferred something beyond that for some reason, but that isn't correct.

As another example, there are contactless-only payment terminals (with no chip reader) which will prompt you for a PIN if the card requires it. Still contactless if your card isn't being physically read.

If all you do is wave the card and that's it then it's 100% contactless, if you wave your card but have to enter the pin 50% of the process is contactless, if you have to put the card into a machine and enter PIN then 0%  is contactless  as clearly there is a difference between them.
In the case of the ATM it depends on what 50% you look at.

So it'd only be "contactless" if you didn't have to touch it at all?

What would you expect the ATM to even do? Spit out a balance slip? Dispense £50 (like the very early days of cash dispensers)?

I'm not sure you've thought this definition of yours though.

HillStreetBlues

WillPS said:

HillStreetBlues said:

WillPS said:

HillStreetBlues said:

WillPS said:

HillStreetBlues said:

531063 said:

As said in Spain they have contactless ATM's but you do have to input your pin 1st

I personally wouldn't describe that as contactless.

on what basis?

On the basis you need to make contact  by entering your PIN

... so imagine you didn't need to enter your PIN, how would you tell the ATM what service you require (and the amount in the case of a withdrawal)?

Contactless refers to the method the card communicates with the terminal. You've inferred something beyond that for some reason, but that isn't correct.

As another example, there are contactless-only payment terminals (with no chip reader) which will prompt you for a PIN if the card requires it. Still contactless if your card isn't being physically read.

If all you do is wave the card and that's it then it's 100% contactless, if you wave your card but have to enter the pin 50% of the process is contactless, if you have to put the card into a machine and enter PIN then 0%  is contactless  as clearly there is a difference between them.
In the case of the ATM it depends on what 50% you look at.

So it'd only be "contactless" if you didn't have to touch it at all?

What would you expect the ATM to even do? Spit out a balance slip? Dispense £50 (like the very early days of cash dispensers)?

I'm not sure you've thought this definition of yours though.

All I've talked about is the PIN and that part not being contactless. Just to move the goalposts back they were, I have never said that everything needs to be contactless.
If they they removed the need for a PIN then I would call that contactless, they could do that if they wanted, but they block it.

DullGreyGuy

huw01 said:
doesn't the card in a google or apple wallet use another number not the number printed on the card ?

Apple Wallet certainly does but your card issuer obv knows both numbers and both will be associated with the account. 

Rob5342

I think the vendor does too. I registered my debit card on my local bus companies app, and I pay via google pay on yue bus. When i look in the app it has my actual debit card number listed and a linked card number which is the Google pay card number. (It only shows the last four digits rather than the full number) 

Rob5342

TheBanker said:

The incentive for the banks to develop this is they won't need to issue physical cards any more. Just a virtual card that can be added to your Google/Apple wallet. That would save a huge amount of money and also get them some 'green' credentials for reducing plastic use. 

I see cards becoming like chequebooks in the next few years - the physical card will be optional, issued on request rather than automatically. But before that would be accepted by customers there needs to be a solution to withdrawing cash. 

I can see that happening too. I use my phone for everything I can but I never like to rely on it 100% in case the battery dies or I drop it. I always keep my debit csrd in a seperatr pocket, i put tickets and boarding passes etc in Google Wallet but i always have a printed version on me. 

HillStreetBlues

Rob5342 said:

TheBanker said:

The incentive for the banks to develop this is they won't need to issue physical cards any more. Just a virtual card that can be added to your Google/Apple wallet. That would save a huge amount of money and also get them some 'green' credentials for reducing plastic use. 

I see cards becoming like chequebooks in the next few years - the physical card will be optional, issued on request rather than automatically. But before that would be accepted by customers there needs to be a solution to withdrawing cash. 

I can see that happening too. I use my phone for everything I can but I never like to rely on it 100% in case the battery dies or I drop it. I always keep my debit csrd in a seperatr pocket, i put tickets and boarding passes etc in Google Wallet but i always have a printed version on me. 

I think it's some way off and would need a different setup from the banks. Being forced to hand over data to Google or Apple would raise objections.