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'Tap-to-pay' charged credit cards through bags, pockets at restaurants, stores

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Re: 'Tap-to-pay' charged credit cards through bags, pockets at restaurants, stores

#14
post #13

Two feet? Multiple cards at once? That must be some sort of super card reader.

It usually doesn't even immediately register when you rub your phone or card all over the reader. I'm highly suspicious of these claims.

Re: 'Tap-to-pay' charged credit cards through bags, pockets at restaurants, stores

#16
Technically you can do a transaction by holding a mobile EMV payment terminal to someone's card without them knowing (this only works for physical cards, mobile phones need to be unlocked first).

The protection is the fact you just can't get a mobile payment terminal without a whole "know your customer" due diligence process, so the fraud traces directly to the ultimate beneficial owner of the company to which the payment acceptance contract of the payment terminal was provided.

This is the reason this fraud is non-existent in Europe, where tap to pay is already used for years.

Re: 'Tap-to-pay' charged credit cards through bags, pockets at restaurants, stores

#17
>The store's "tap-to-pay" system charged not only one, but three credit cards tucked in a wallet inside her purse. > >"I haven't taken them out of my purse yet. What are you talking about?" said Cesari. "I'd say I was two feet away at that point, for sure."

Not in a million years. Long-distance NFC requires a large, tuned antenna — and with collisions due to multiple cards being in the field, forget about it.

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