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Is your chip card secure? Much depends on where you bank

krebsonsecurity.com

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Re: Is your chip card secure? Much depends on where you bank

#171

Post by aerostable_slug »

castratikron wrote: post #3

Guessing Visa can "fix" this problem in the same way they fix the fallback to magstripe: make the vendor pay a fee for noncompliance. https://www.cardfellow.com/blog/emv-fallback-fees-definition...

They absolutely could, but I was told by folks there that the merchants were pushing back extremely heavily, hence the moving deadline to get rid of stripes.

They were pretty clear that gas pump readers were the biggest issue, as customers dislike centralized outdoor readers or having to go into the establishment, stand in line, and use their counter POS system.

Re: Is your chip card secure? Much depends on where you bank

#172

Post by Digit-Al »

knolax wrote: post #158
ulfw wrote: post #155

Earlier quoted context omitted.

Weird how the whole globe managed that, from small city states over third world nations to old established countries. And yet...

A lot of the third world leapfrogged to mobile payments and never had widespread credit card adoption. So it's more like 4% of the world hasn't done a thing the 10% of the world that HN perceives as "rest of the world" has done.

Here in the UK the government engaged in a big campaign to encourage companies to support it due to the added security. Within a year pretty much every shop could accept chip and pin. None of them suffered financial difficulties as far as I am aware.

You Americans need to stop whining and get on with it like the rest of the world has. I mean, honestly, most shops here are now moving on to accepting contactless payments, so you're two generations behind. Makes America look like backward yokels.

Re: Is your chip card secure? Much depends on where you bank

#173

Post by penagwin »

bluntfang wrote: post #169
Dylan16807 wrote: post #152

Earlier quoted context omitted.

Understandable, but the cost to produce a glove is still very minor. And the way you solve pollution and microplastics from items in the trash can is by making sure that trash from cans is handled appropriately. Not by having consumers reduce their trash by a few percent. The climate damage is the only thing where you can really put responsibility on the consumer, and that can be fixed with a well-directed fraction o…

>the cost to produce a glove is still very minor. It's not about your individual glove. It's the 300million-ish people using 10 disposable gloves a day. >And the way you solve pollution and microplastics from items in the trash can is by making sure that trash from cans is handled appropriately. Not by having consumers reduce their trash by a few percent. How can you handle the level of trash we have responsibly? wha…

I totally understand your point about the environment.

Given that I only fill my car once every 14 days, and only use 1 single glove for the hand touching the handle, I'm not overly concerned about the generated waste. Even if every American did this during the pandemic it would be dwarfed by the number of gloves used by hospitals even before covid.

I certainly agree that plastic waste is a major issue, and I'll certainly re-evaluate my current method when we aren't mid pandemic, but I'm confident there's simpler ways to reduce plastic waste in more meaningful amounts. I'm pretty sure that I've removed more unnecessary packaging plastic from purchased goods in the past month then gloves I've personally used total this year (I dabble with stuff you want to wear gloves with).

Re: Is your chip card secure? Much depends on where you bank

#174

Post by knolax »

Mandatum wrote: post #166
knolax wrote: post #158

Earlier quoted context omitted.

A lot of the third world leapfrogged to mobile payments and never had widespread credit card adoption. So it's more like 4% of the world hasn't done a thing the 10% of the world that HN perceives as "rest of the world" has done.

Yeah, no. Europe and Asia-Pacific all adopted chip and pin just fine (minus China).

> Europe and Asia Pacific (minus the majority of Asia Pacific),

so 4% of the world hasn't done something ~15% of the world has done in a situation that isn't even relevant to at least 18% of the world.

Re: Is your chip card secure? Much depends on where you bank

#175

Post by Dylan16807 »

bluntfang wrote: post #169
Dylan16807 wrote: post #152

Earlier quoted context omitted.

Understandable, but the cost to produce a glove is still very minor. And the way you solve pollution and microplastics from items in the trash can is by making sure that trash from cans is handled appropriately. Not by having consumers reduce their trash by a few percent. The climate damage is the only thing where you can really put responsibility on the consumer, and that can be fixed with a well-directed fraction o…

>the cost to produce a glove is still very minor. It's not about your individual glove. It's the 300million-ish people using 10 disposable gloves a day. >And the way you solve pollution and microplastics from items in the trash can is by making sure that trash from cans is handled appropriately. Not by having consumers reduce their trash by a few percent. How can you handle the level of trash we have responsibly? wha…

The trash from trash cans can be buried safely in landfills without much difficulty. The big problems arise when we cut corners or have plastic trash that is not in trash cans.

Re: Is your chip card secure? Much depends on where you bank

#176

Post by dathinab »

watermelon0 wrote: post #157
dathinab wrote: post #154

Earlier quoted context omitted.

I don't think so, as far as I know all "old" terminals had to be replaced or upgraded in the EU some years ago to comply with the new chip technology. Edit: so it's more about the willingness to require cost for upgrades then there being costs for upgrades, I thing.

Agreed. A few years ago NFC terminals weren't really popular around here, but nowadays it's hard to find a terminal without the support. I think this applies for quite a few EU countries. NFC technology is less secure, but every purchase above 25 EUR requires PIN verification, so there is a limit on how much can be stolen.

Yes, even in Berlin you most times have NFC support if they support cart payment by now. And Berlin is probably one of the cities with the most "cash"-only shops/restaurants/bars/* in Germany and really no one expects you to have NFC support or card support at all (if you are a small shop/*).

EDIT: Btw. they lifted that limit temporary to a much higher value (something >50€) so that less people have to touch the numpad when shopping (at least in/for larger grocery stores).

Re: Is your chip card secure? Much depends on where you bank

#177

Post by bluntfang »

penagwin wrote: post #173
bluntfang wrote: post #169

Earlier quoted context omitted.

>the cost to produce a glove is still very minor. It's not about your individual glove. It's the 300million-ish people using 10 disposable gloves a day. >And the way you solve pollution and microplastics from items in the trash can is by making sure that trash from cans is handled appropriately. Not by having consumers reduce their trash by a few percent. How can you handle the level of trash we have responsibly? wha…

I totally understand your point about the environment. Given that I only fill my car once every 14 days, and only use 1 single glove for the hand touching the handle, I'm not overly concerned about the generated waste. Even if every American did this during the pandemic it would be dwarfed by the number of gloves used by hospitals even before covid. I certainly agree that plastic waste is a major issue, and I'll cert…

It's literally not about you, the individual. I'm not trying to chastise you, but we, as a society, need to consider waste. If 300 million people have your mindset, then that's 300million plastic gloves in a landfill every 14 days, which is too much. And I assure you that other people don't have your mindset.

Re: Is your chip card secure? Much depends on where you bank

#178

Post by Mandatum »

knolax wrote: post #174
Mandatum wrote: post #166

Earlier quoted context omitted.

Yeah, no. Europe and Asia-Pacific all adopted chip and pin just fine (minus China).

> Europe and Asia Pacific (minus the majority of Asia Pacific), so 4% of the world hasn't done something ~15% of the world has done in a situation that isn't even relevant to at least 18% of the world.

There was literally nothing stopping the US from following suit apart from culture and lobbying. You're the richest country in the world, it'd be a rounding error.

Re: Is your chip card secure? Much depends on where you bank

#179

Post by bluntfang »

Dylan16807 wrote: post #175
bluntfang wrote: post #169

Earlier quoted context omitted.

>the cost to produce a glove is still very minor. It's not about your individual glove. It's the 300million-ish people using 10 disposable gloves a day. >And the way you solve pollution and microplastics from items in the trash can is by making sure that trash from cans is handled appropriately. Not by having consumers reduce their trash by a few percent. How can you handle the level of trash we have responsibly? wha…

The trash from trash cans can be buried safely in landfills without much difficulty. The big problems arise when we cut corners or have plastic trash that is not in trash cans.

https://www.collinslaw.com/blog/why-landfills-are-dangerous-...

Re: Is your chip card secure? Much depends on where you bank

#180

Post by knolax »

Mandatum wrote: post #178
knolax wrote: post #174

Earlier quoted context omitted.

> Europe and Asia Pacific (minus the majority of Asia Pacific), so 4% of the world hasn't done something ~15% of the world has done in a situation that isn't even relevant to at least 18% of the world.

There was literally nothing stopping the US from following suit apart from culture and lobbying. You're the richest country in the world, it'd be a rounding error.

Other commenters have given plenty of reasons. I never understand the obsession Europeans have with getting other parts of the world to be identical to them. Worst part is when we do adopt your practices you start whining about how we copied you.
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