General > General Technical Chat

Credit Card, Bank Card NFC. The most useless function every invented

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jmh:

--- Quote from: dunkemhigh on March 27, 2022, 08:48:41 pm ---I would see it as the phone showing a QR code which the payment terminal scans and then contacts the user's bank to authorize a transfer, the bank does the transfer, then the vendor sees that it's paid for.

--- End quote ---

That did surprise me on our last trip to China. No-one used cards, all transactions were done via smartphones and QR code and WeChat/Pay/whatever I forget. Even vending machines, which annoyed us as there was no way to even use cash or cards. The only time we needed cash to get into a museum one of the party simply asked some random person and they used their phones to transfer the value, random person handing over the cash amount.

On NFC, son #1 refuses to have a card with it. When the bank issues a new one it comes with NFC, he complains and they send a non-NFC version. As to the rest of us, even the wife can use it now (!) so it had better stay!

PlainName:

--- Quote ---Australian Consumer Law applies to any company who sells a product or provides a service in Australia, regardless whether or not the company is based or headquartered in Australia. So yes, companies such as Aliexpress, Amazon etc... are still bound by the legislation here if they choose to offer their products for sale in Australia.
--- End quote ---

But technically they are not offering a service in Australia - you are going to their website in China and importing yourself. Further, what penalty can Australia action against Aliexpress? I guess they could stop any import from there, but that's a rather big stick for, say, a camera that broke after 3 months.

The situation with Amazon isn't very clear - they are not reselling anything, just handling what are essentially adverts. Sometimes they act as drop shipper, but often they don't handle the goods in any way. The closest they get is acting as a money broker (like PayPay, and I'm pretty sure PayPal isn't responsible for whatever you decide to import).

PlainName:

--- Quote ---I already have this. My phone emulates a NFC Visa debit card using an app.
--- End quote ---

But it's still NFC, which is the bad boy. Although on a phone you can control when it's actually transacting. My new phone, which I don't use, has NFC but my favourite which I use all the time doesn't. Sometimes life's a bitch :)

I agree about the hassle of getting the app going and paying for stuff, but if you don't want to use NFC on card, or just not have to carry them, it's a reasonable solution.

PlainName:

--- Quote ---No-one used cards, all transactions were done via smartphones and QR code and WeChat/Pay/whatever I forget. Even vending machines, which annoyed us as there was no way to even use cash or cards.
--- End quote ---

Oh. I'll let the patent application drop, then :)

MadScientist:
People talking about NFC skimming  clearly don’t understand how end to end contactless cards transfers work. You can’t successfully initiate a transfer simply by having the NFC details

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