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There’s no excuse to be operating only swipe card readers now, last time I was in the US it was chip-and-sign and that was 2015.
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Mar 30, 2023 21:54
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Thanks Ants posted:There’s no excuse to be operating only swipe card readers now, last time I was in the US it was chip-and-sign and that was 2015. If it's not regulated to be required and it's cheaper to not upgrade equipment, then you aren't going to get 100% deployment.
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Mar 30, 2023 21:59
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KillHour posted:Does your card still have the magnetic strip on it? If so - why? It sure looks like it does but I have no idea why.
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Mar 30, 2023 22:01
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KillHour posted:Does your card still have the magnetic strip on it? If so - why? Most EU credit cards do still keep it for use in traveling outside developed countries. Every card I have (oldest from 2019, newest from 2023) is still chip + mag stripe.
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Mar 30, 2023 22:11
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SlowBloke posted:Most EU credit cards do still keep it for use in traveling outside developed countries. Every card I have (oldest from 2019, newest from 2023) is still chip + mag stripe. Yeah but in my case my bank stopped supporting that entirely a couple years ago so I can't use the mag strip anymore, but it's still there for some reason. I agree that many banks still do support it, but mine doesn't.
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Mar 30, 2023 22:18
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TheFluff posted:Yeah but in my case my bank stopped supporting that entirely a couple years ago so I can't use the mag strip anymore, but it's still there for some reason. I agree that many banks still do support it, but mine doesn't. I think Mastercard/VISA provides the card specs and, to avoid UX issues, they leave it there to be enabled/disabled by customer banks. Since even Russia had chip+pin and contactless when I visited a few years ago, it's a reasonable idea to keep it disabled unless explicitly requested by the client.
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Mar 30, 2023 22:28
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Thanks Ants posted:There’s no excuse to be operating only swipe card readers now, last time I was in the US it was chip-and-sign and that was 2015. I got a chip card in 2019 and it's still not contactless Granted I bank with a local credit union but still
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Mar 30, 2023 23:13
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I hate it when I'm in america and the server at a restaurant wants to take my credit card and walk away with it. It's insane.
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Mar 31, 2023 01:26
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CLAM DOWN posted:I hate it when I'm in america. Enough said
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Mar 31, 2023 01:28
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CLAM DOWN posted:I hate it when I'm in america and the server at a restaurant wants to take my credit card and walk away with it. It's insane. You expect me to press buttons on a credit card machine like some kind of worker?
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Mar 31, 2023 05:01
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CLAM DOWN posted:I hate it when I'm in america and the server at a restaurant wants to take my credit card and walk away with it. It's insane. That's near every restaurant in the country with table service. Since Americans are completely out of their minds - as you note - many would consider it unacceptably gauche to run the bill at the table. The only other option is to pay at the counter, but part of the point of renting a servant to bring you food is so you don't have to get up. Also the retail area at my work is still swipe only. No contactless, no chip. So everybody gotta keep that mag stripe to patronize my dear employer.
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Mar 31, 2023 06:25
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A Bag of Milk posted:That's near every restaurant in the country with table service. Since Americans are completely out of their minds - as you note - many would consider it unacceptably gauche to run the bill at the table. The only other option is to pay at the counter, but part of the point of renting a servant to bring you food is so you don't have to get u ugh it's insane Here you ask for "the machine" and the server brings you a pinpad/EFTPOS machine, and it's all done quickly and securely at the table. There is literally no other way to pay, you don't even bring bills to front desks anymore. Swipe is flatout disabled, most new-ish machines everywhere don't even have a mag stripe reader, they're chip/tap only.
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Mar 31, 2023 07:35
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adnam posted:Let me know if this is the wrong thread for this. But I recently moved off Lastpass to 1password (yes I know late), and after having my optometrist request my social security number, had a bit of a paranoid episode and ended up freezing all 3 major credit bureaus, lexis/nexis, NCTUE and ChexSystems databases. Keep stuff frozen until you need to apply. At least one of the bureaus lets you do a temporary unfreeze if you do need to apply for something. I hope you told your optometrist 'no'.
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Mar 31, 2023 07:41
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It's becoming more common in casual dining to have a machine at each table. They even try to monetize them with stupid mobile games.
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Mar 31, 2023 13:46
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Ynglaur posted:It's becoming more common in casual dining to have a machine at each table. They even try to monetize them with stupid mobile games. I think I've seen 1 place that has this set up (here in the PNW of the US). Everywhere else around here you still pretty much have to either give them your card or pay on the way out the door up front. Doesn't seem like a big deal to me honestly but I guess for some it is.
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Mar 31, 2023 14:25
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Yeah why wouldn't you want to stick your credit card in a knockoff android device that hasn't been patched in 4 years? Honestly I don't get it in the US, someone is absorbing the cost of all the credit card fraud. I guess the card companies are making so much loving money on transaction fees and interest they don't give a poo poo? I suppose if they cracked down, it's not like they're going to lower costs to consumers or business, it would just be more profit for VISA so I don't give a poo poo either. It does get really frustrating with the way backend processors hold account tokens (or whatever the hell) now instead of using the card number. Someone got my parent's card attached to their xbox live account, and every time visa cancels and sends them a new card, the instant it's activated the account gets re-linked to xbox live and fraudulent charges show up again. Somehow visa claims it's simply impossible for them to 'disconnect' it. They can't get a hold of anyone at xbox because they would have no idea what account it's associated with. After 3 cards they're probably just going to cancel the card for good and get a new one from a different bank.
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Mar 31, 2023 14:28
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PC LOAD LETTER posted:I think I've seen 1 place that has this set up (here in the PNW of the US). Everywhere else around here you still pretty much have to either give them your card or pay on the way out the door up front. I’m not seeing them permanently at each table much, but it’s becoming very common around me to have them bring a wireless terminal to the table for processing.
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Mar 31, 2023 14:29
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Rescue Toaster posted:Yeah why wouldn't you want to stick your credit card in a knockoff android device that hasn't been patched in 4 years?
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Mar 31, 2023 14:54
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rafikki posted:I’m not seeing them permanently at each table much, but it’s becoming very common around me to have them bring a wireless terminal to the table for processing. This is still pretty much unheard of as far as I can tell where I'm at too. But I'm just one person and its not like I've visited every restaurant in the area. I can say that there are still some mom n' pops and gas stations that will do a magstrip swipe even though they're not supposed to. I know the chips are supposed to be more secure and all but they still are slower to use and surprisingly janky to get them to read often times. Especially at gas stations. Its better than it was when they were first introduced. They really sucked then.
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Mar 31, 2023 15:25
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Rescue Toaster posted:Yeah why wouldn't you want to stick your credit card in a knockoff android device that hasn't been patched in 4 years? My bank covers me up to like $250k and asks for an approval on charges over a certain threshold so I don’t even care. I’ve had my card cancelled a bunch over it getting skimmed at Starbucks and somehow people made alibaba and Walmart charges on it but the money is refunded immediately so yea take my card and go do whatever with it. I don’t care
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Mar 31, 2023 15:48
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PC LOAD LETTER posted:This is still pretty much unheard of as far as I can tell where I'm at too. But I'm just one person and its not like I've visited every restaurant in the area. Cracker Barrel has a system I really liked the one time I've used it where there's a QR code and URL on the receipt that you can load on your phone and pay directly from your own device.
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Mar 31, 2023 16:16
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I like how things were in Disney and Universal. QR code brings you to the menu and you order and pay right on the spot and your food is brought out. Though, obviously, that's also subject to someone putting a malicious QR code out and associating it with a fraudulent site to take fake orders and harvest card data.
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Mar 31, 2023 16:49
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When I was at disneyland it was all in app. Order, schedule a pickup time, pay. Easy to just pick a place off the map too
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Mar 31, 2023 16:52
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rafikki posted:I’m not seeing them permanently at each table much, but it’s becoming very common around me to have them bring a wireless terminal to the table for processing.
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Mar 31, 2023 18:48
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Probably a dumb question but how is a magstrip so much less secure than chip or contactless? What's keeping someone from building a spoof reader like on the front of a gas pump and just walking through a crowd rubbing it up against people's butts and scanning all the chip cards in their wallets?
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Mar 31, 2023 19:29
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Takes No Damage posted:Probably a dumb question but how is a magstrip so much less secure than chip or contactless? What's keeping someone from building a spoof reader like on the front of a gas pump and just walking through a crowd rubbing it up against people's butts and scanning all the chip cards in their wallets? one time password vs stealing someone’s password
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Mar 31, 2023 19:37
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Takes No Damage posted:Probably a dumb question but how is a magstrip so much less secure than chip or contactless? What's keeping someone from building a spoof reader like on the front of a gas pump and just walking through a crowd rubbing it up against people's butts and scanning all the chip cards in their wallets? the chip and contactless payments exchange unique transaction codes, using keys from the vendor and your card to encrypt magstripe isnt any different than automated number entry
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Mar 31, 2023 19:37
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Takes No Damage posted:Probably a dumb question but how is a magstrip so much less secure than chip or contactless? What's keeping someone from building a spoof reader like on the front of a gas pump and just walking through a crowd rubbing it up against people's butts and scanning all the chip cards in their wallets? As I understand it the chip contains some secret data (think like private keys for encryption) which is supposed to be impossible to copy or extract. When you insert or tap your card the secret is used internally on the chip to digitally sign the transaction so the bank knows it's real. The secret never leaves the chip, only the signature. A magstripe just stores a small amount of unencrypted data - like the card number, expiry date, and cardholder name. It's all the stuff written on the card (minus the CVV code) but in a format a computer can easily read. It's just so that you don't have to enter that stuff into the machine by hand.
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Mar 31, 2023 19:51
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acetcx posted:As I understand it the chip contains some secret data (think like private keys for encryption) which is supposed to be impossible to copy or extract. When you insert or tap your card the secret is used internally on the chip to digitally sign the transaction so the bank knows it's real. The secret never leaves the chip, only the signature. A long time ago I worked in retail and we had to staff an outside stand that didn't have an electronic credit card reader, so we used the old-old fashioned system: a press that copies the raised text from the card onto carbon paper. A few customers had cards where the text wasn't raised, and this was only found out when they had left because it was busy and we weren't paying attention. There our only choice to do it right was to copy the details down manually.
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Mar 31, 2023 20:48
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I still remember the sound of those things. https://www.youtube.com/watch?v=dfxD1ohT2N0 Virtually never see a manual card imprinter anymore. Last time I remember one was used for me was back in the early 90's. My current card doesn't have the raised letters so it wouldn't work on mine. Though I think they can just write the numbers and stuff on the slip if they had to.
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Mar 31, 2023 21:00
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KillHour posted:You expect me to press buttons on a credit card machine like some kind of worker? lol if your meal fits under the contactless limit, just lol (we should have a meal like that again, KillHour)
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Mar 31, 2023 21:53
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Ah so pretty much PKI? That makes sense. Probably should have been doing it that way from the start but  PC LOAD LETTER posted:I still remember the sound of those things. Last time I saw one in the wild was mid 2010's in a taxi. e: Bonus points if the machine was broken so they just lay your card under the carbon paper and rubbed a pen flat across it to make the imprint.
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Mar 31, 2023 21:59
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The technology to run PKI on something that was as thin as a credit card didn't exist in 1970
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Mar 31, 2023 22:31
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Thanks Ants posted:The technology to run PKI on something that was as thin as a credit card didn't exist in 1970 that's what they want you to believe...
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Mar 31, 2023 22:32
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Subjunctive posted:lol if your meal fits under the contactless limit, just lol We absolutely should. Maybe a weekend in May? Will give me an excuse to drive up.
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Mar 31, 2023 23:24
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Ynglaur posted:It's becoming more common in casual dining to have a machine at each table. They even try to monetize them with stupid mobile games. Red Robin deployed POS terminals on each table with cameras and microphones a little while before covid. They're custom units, they don't need to have cameras and microphones, and yet they do - which makes me inclined to think they're being used for consumer surveillance.
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Apr 1, 2023 04:01
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Kesper North posted:Red Robin deployed POS terminals on each table with cameras and microphones a little while before covid. They're custom units, they don't need to have cameras and microphones, and yet they do - which makes me inclined to think they're being used for consumer surveillance. It's so they can take your picture to prove you actually intentionally paid $10 to rent Angry Birds on your restaurant POS tablet for half an hour.
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Apr 1, 2023 15:10
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Ynglaur posted:It's becoming more common in casual dining to have a machine at each table. They even try to monetize them with stupid mobile games. Every time I'm in the US outside of major metropolis' I start raging at all the random bullshit you guys are subjected to.
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Apr 1, 2023 15:45
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Re: credit card chat I have the opportunity to buy an ATM for cheap. Like $200 cheap. I want to do it and document the reverse engineering and subsequent creation of a skimming device to present at some talks later on this year. 10-12 years ago I was suuuuuper into carding (academically of course, I’ve always been whitehat) and would love to dip a toe back in now that I’ve been into 3D printing and CNC milling for a few years. Back then the MCR206 was the hotness for reader/writers and skimmers were only just starting to implement SIM cards to send data. Wonder how things have changed in 10 years App13 fucked around with this message at 16:08 on Apr 3, 2023 |
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Apr 3, 2023 16:00
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Thanks Ants posted:The technology to run PKI on something that was as thin as a credit card didn't exist in 1970 Public-key cryptography itself didn't exist in 1970.
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Apr 3, 2023 17:17
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