| General > General Technical Chat |
| Credit Card, Bank Card NFC. The most useless function every invented |
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| Benta:
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). |
| Kim Christensen:
Some banks allow you to turn off NFCs on your cards if you ask them to... (I assume NFC is the same as "tap" here in Canada where you just wave your card near a reader) |
| Benta:
Yep, it's the "tap" function. But "some banks" doesn't really help, does it? So if you wave your wallet over the terminal: security: 0. Skimming risk: 100. Great. |
| ataradov:
It is much harder to skim them than they typically make it sound. Also, NFC is an active request response. So, any skimming would require a transaction to be performed on the spot. And to perform the transaction you need to have a valid account with the bank. You can't resell card numbers on the dark net or whatever. Just don't buy into paranoia and your life would be much better. I love NFC, spares me the need to plug in the card into dirty slots. Also, less scratching on the plastic. |
| wraper:
--- Quote from: Benta on March 01, 2022, 08:41:57 pm ---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. --- End quote --- Placing together 2-3 cards with RFID is way more effective than all of those shielding wallets. Actually it would be way more effective to make a wallet with a built-in jamming device like this https://www.amazon.com/TICONN-RFID-Blocking-Cards-Contactless/dp/B07T8PYBKM# |
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