Invisible ATM Card skimming
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I agree - things like Apple Pay and Android Pay - hell, even using Paypal at places like Home Depot - way safer than using ATMs and CCs for the reasons @david-wiese mentions.
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@scottalanmiller said:
@Dashrender said:
I don't worry about my bank account because I use it so infrequently except as I mentioned to pay the CC and the mortgage. Both of which are done through electronic direct withdrawals. I check my statements monthly when I get my statements from the bank.
If you don't worry about it, what's causing all of this extra effort?
I'm not sure what extra effort you're speaking of? The only none standard thing I have on this account is the required password for phone access (which the teller's even see when I visit a branch - which is rare).
I suppose if I should do anything, it would be to disable phone access altogether, leaving with electronic transferred CC and mortgage payments, and visiting in person when I need/want cash.
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@scottalanmiller said:
And in reality, the highest risk places are in the US, not abroad (except when I go to Africa.)
So you've had more fraud against your accounts in the US than anywhere else?
The news story in question here is specifically about Mexico.
I've heard these skimmers are in places like LA and maybe places up and down the east coast, but haven't seen them be rampant.
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@Dashrender said:
I'm not sure what extra effort you're speaking of? The only none standard thing I have on this account is the required password for phone access (which the teller's even see when I visit a branch - which is rare).
I suppose if I should do anything, it would be to disable phone access altogether, leaving with electronic transferred CC and mortgage payments, and visiting in person when I need/want cash.
I can go online, from anywhere, and make payments, move money around, check transactions, lock things down, etc. Nearly zero effort and available to me 24x7.
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@Dashrender said:
@scottalanmiller said:
And in reality, the highest risk places are in the US, not abroad (except when I go to Africa.)
So you've had more fraud against your accounts in the US than anywhere else?
The news story in question here is specifically about Mexico.
I've heard these skimmers are in places like LA and maybe places up and down the east coast, but haven't seen them be rampant.
The general fear of fraud is not ATMs in the US but people copying your card. I'm told Atlanta is the world place in the US for it.
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Chip, Pin & Tap - love em.
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@scottalanmiller said:
@MattSpeller said:
Chip, Pin & Tap - love em.
Yes, such a great idea.
lol the epitome of two factor authentication.
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@scottalanmiller Isn't the Atlanta airport one fo the bigger international places on the east coast?
If so, that would make sense.
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@Dashrender tap isn't protected at all, purchases under a set amount ($50?) just tap and go.
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@MattSpeller said:
@Dashrender tap isn't protected at all, purchases under a set amount ($50?) just tap and go.
Does Tap exist in Europe? or is that a North American only thing?
I was thinking that Tap only existed because non PIN use of chip is the way the US is going.
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@Dashrender said:
non PIN use of chip is the way the US is going.
How is that secure?
Not sure if it exists in Europe, but I would expect it does.
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That was more or less my question several posts above.
But in thinking about it, it's more secure than swiping, because with swiping, someone can just borrow your card (say a waiter) scan/copy it in the back, and make new ones all day long.
With a chip, you can copy it, at least not easily.
But this is a half measure.
Then then I'd say the same about Tap and Pay - if you aren't entering a PIN, how are you any safer then just chip?
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@Dashrender said:
With a chip, you can copy it, at least not easily.
Right, chips are very hard to copy. Not sure if anyone is even able to do it yet. Add the pin feature and you can't use the card in the owner's absence [easily].
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@Dashrender said:
Then then I'd say the same about Tap and Pay - if you aren't entering a PIN, how are you any safer then just chip?
Chip + biometric + time limit.
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@scottalanmiller said:
@Dashrender said:
Then then I'd say the same about Tap and Pay - if you aren't entering a PIN, how are you any safer then just chip?
Chip + biometric + time limit.
what is the biometric?
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I used Tap to pay with ISIS before Google bought them and changed it to Google Wallet (added to... whatever they did). No biometric used there.
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@Dashrender said:
Then then I'd say the same about Tap and Pay - if you aren't entering a PIN, how are you any safer then just chip?
It's limited $ and easy to contest. Also speeds up the line at Timmie's like you would not believe. I bet the ones in Ontario* will take debit soon with tap enabled.
*Tim Hortons refused to accept debit for a long time as it caused EPIC lineups. Best of my knowledge they still do not in Ontario (cash only)
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@MattSpeller said:
@Dashrender said:
Then then I'd say the same about Tap and Pay - if you aren't entering a PIN, how are you any safer then just chip?
It's limited $ and easy to contest. Also speeds up the line at Timmie's like you would not believe. I bet the ones in Ontario* will take debit soon with tap enabled.
*Tim Hortons refused to accept debit for a long time as it caused EPIC lineups. Best of my knowledge they still do not in Ontario (cash only)
WOW - were the terminals so slow that entering a PIN for debt caused a problem?
I remember the commercials from a few years ago... when they were trying to get you to use CC... and someone used Cash and the whole line grinded to a halt.. funny how things are turned around now.
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@Dashrender humans were slow. faster to hand over a 20 and let the machine* cough out your change.
*well known fact that Tim's cashiers are just humanoid robots created for the sole purpose of handing back exact change with inhuman speed.
