General > General Technical Chat
Credit Card, Bank Card NFC. The most useless function every invented
rob77:
--- Quote from: Benta on March 01, 2022, 08:41:57 pm ---Can some one explain the advantages of NFC on payment cards? Apart from making a hipster look cool, of course.
Sticking the card into a reader instead of putting it on top of it is no major benefit to me. I still have to retrieve it from my wallet and replace it again, which is the biggest part of the operation. Benefit ~0.
On the other hand, I now have to place the cards in special sheaths to avoid skimming from a criminal walking by. Result: the cards no longer fit in my wallet slots. Inconvenience: 100.
On top of that, NFC transactions below 50 Euro require no PIN. Security risk: 100.
The idiot that thought of this should be... (add own wish).
--- End quote ---
apparently your knowledge in the area is absolute zero... old fashion embossed cards are the security risk 100 :)
a criminal can't skim your contactless card , there is absolutely no usable attack vector in existence which would the attacker allow to skim your card and actually get the money.
only option would be to have a contract signed with a payment processor to get a terminal and go outside swiping people with the terminal and then get arrested sooner than you receive the summary payment of the transactions you "collected" :-DD :-DD :-DD
thm_w:
--- Quote from: ataradov on March 01, 2022, 10:49:47 pm ---
--- Quote from: ANTALIFE on March 01, 2022, 10:38:30 pm ---Sorry I meant the EMV contacts/connector on the PCBA, not the actual card itself
--- End quote ---
Yes, this stuff must be robust and I assume they would be designed for somewhat easy maintenance. Those contacts can get 5000 insertions a day easily.
--- End quote ---
The thing is, for the ones I've used, there is no way you as an end user can take it apart to fix any pins.
As soon as you look at it the wrong way, its going to brick itself and you have to send back to the manufacturer to repair it and re-load whatever software keys.
Many will fail before they reach rated insertions, because of dirty or bad cards bending the pins.
NFC is so much better in terms of maintenance, zero wear on any components.
CatalinaWOW:
I have no idea why this works the way it does, but here in the northwestern US tap payments process in 2-5 seconds while reading the chip and processing takes 5-10 seconds. I know that doesn't sound like much, but it is enough to heavily weight my preference for the NFC method.
The process is also less user involved. You wave your card over the sensor and when it beeps you are done and can start putting it back in your wallet. The reader requires more precision to insert the card and the feedback is a screen message that the card has been properly inserted (requires visual attention). After whatever delay another screen message and usually and audio cue lets you know you can remove the card. So perceptually the tap is one step while the card reader involves two.
SmallCog:
I'm gathering by your rant that this technology is somewhat new there? Or has it only just upset you
I'm surprised if it's new, I reckon it's been here for about 10 years, and nobody I know has ever been skimmed.
Personally I don't carry my wallet around. We have the option to use digital drivers licenses here, and my phone has my card details in it for tap payments.
These are secured via finger print.
If I loose my phone or it's stolen neither my money or license are available or of much use to anyone unless I've lost my finger at the same time, unlike if I lost my physical cards.
georges80:
I've just linked my most often used cards onto my phone app. Phone is in pocket or in my hand, takes mere seconds to tap & pay and the phone app logs the transaction so you can keep an eye on your spending.
As stated above, at least in the US (where they have steam powered computers I guess), the insert/read process takes 5 - 10 seconds and you have to keep an eye on the stupid POS display for when you can 'remove' the card. Tap & pay is essentially instantaneous and touchless.
Some times you have to move with the times. At the very least covid accelerated tap & pay in the US - it was pretty uncommon a couple+ years ago. In oz tap & pay has been in use for many years and is available pretty well everywhere.
cheers,
george.
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