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Coin

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Re: Coin

#641

Post by taude »

nawitus wrote: post #316
taude wrote: post #250

Earlier quoted context omitted.

Here's my list: * Costco membership card * three loyalty shopper cards for my common stores (I need the physical card because none of the apps I've tried using that scan the bar codes work with store scanners) * a card to pay for my train rides, * bank debit card for ATMS * business credit card * personal credit card * medical insurance card (this one would be easy to just use a photo of) * AAA card (would be easy to…

Couldn't you get a combined debit and credit card?

I have an airlines reward card, a business card, and an ATM card. I don't think there's a way to combine the airlines reward with the ATM, even though they are from the same bank.

Re: Coin

#642

Post by taude »

giarc wrote: post #394
taude wrote: post #250

Earlier quoted context omitted.

Here's my list: * Costco membership card * three loyalty shopper cards for my common stores (I need the physical card because none of the apps I've tried using that scan the bar codes work with store scanners) * a card to pay for my train rides, * bank debit card for ATMS * business credit card * personal credit card * medical insurance card (this one would be easy to just use a photo of) * AAA card (would be easy to…

Could you not keep your costco card in your car, or at home and just bring it when you need it? Same with your airline cards?

I don't currently have a car, so my ability to go to Costco is usually a very impromptu thing.

Re: Coin

#643

Post by flatfilefan »

binarycrusader wrote: post #585
ChiperSoft wrote: post #581

Earlier quoted context omitted.

Except at the post office, which will outright refuse any card that is not signed.

Technically, the card isn't valid unless signed. Most credit card companies prohibit the "See ID" that some people put on their cards in place a of a signature.

"See ID" is also a signature if done own handed. I've seen a court decision to the effect that you can declare your signature anything you write. Important is if _you_ accept it as such later on.

Re: Coin

#644

Post by markshepard »

outworlder wrote: post #390
Nursie wrote: post #219

Earlier quoted context omitted.

I don't know why the US hasn't adopted EMV. It's not perfect, but it has cut down fraud massively here in Europe. They're very hard to clone (I won't say impossible, but attacks against EMV have not generally been of this nature) and the transaction records at both ends will tell you whether the actual, real card was there. The liability is more clear-cut as a result. If the customer claims the charge was unauthorise…

As a Brazilian, I think the US banks are very strange. "Swipe" cards have been phased out years ago - you'd have to try hard to find a bank which will still issue one. Specifically because you can no longer find ATMs which rely solely on the magstripe. Some banks have biometric fingerprint readers (where you put in your hand and it reads multiple fingerprints at the same time) in addition to the PIN code of the debit…

I remember scratching my head trying to buy ticket from automated ticketing machine in Amsterdam Centraal because the machine required chipped card only and none of my US cards that I carried had one (not to mention the error was not clear enough and I was trying all my cards in different orientation).

Re: Coin

#645

Post by flatfilefan »

Nursie wrote: post #418
busterarm wrote: post #412

Earlier quoted context omitted.

Thought that was all chip-and-signature instead of chip-and-pin. Chip-and-sig is almost useless. Also, I'm a stingy bastard with the fabled Unicorn Card (Zync) that's no longer offered. I think any changes would mean a forced upgrade. I'm worried about a forced upgrade when the card expires too.

Whether chip and sig is accepted in places around europe will probably depend on the software they have, the merchant's agreement with their acquirer, whether it's an unattended terminal and a bunch of other stuff. Surprised to hear it's next to useless, but not really surprising that it's less useful.

Chip and sig was accepted everywhere I went in Europe this year. I have a European bank issuer though.

Re: Coin

#646

Post by taude »

taude wrote: post #250
kevincrane wrote: post #201

Earlier quoted context omitted.

Out of curiosity, what do you do that requires 16 cards on a regular basis? At some point, the limiting factor of how many cards you can carry becomes your pant pocket (or purse). My jeans wouldn't stand more than a few cards and far less than 30.

Here's my list: * Costco membership card * three loyalty shopper cards for my common stores (I need the physical card because none of the apps I've tried using that scan the bar codes work with store scanners) * a card to pay for my train rides, * bank debit card for ATMS * business credit card * personal credit card * medical insurance card (this one would be easy to just use a photo of) * AAA card (would be easy to…

It's pretty funny, because all of these except a couple (which I noted) are pretty necessary and no work around. It's like people commenting to this thread didn't even read what I originally wrote. Anyway, I'm adding here a list of more cards that stay at home that I occasionally use.

Also, I could elaborate more on why certain cards need to be with me, but I thought things like Costo & Zip Car were pretty obvious.

So the list of home cards:

* MTA Metro Card for when I'm in NYC.

* USA Cycling license for racing (they have an app now that I can use when I show up at races)

* Best Buy Rewards card (I know, I know....but they can look up by my email)

* Several complimentary coffee cards for Peet's coffee (Yeup, they are useless to me at home, but I got tired of carrying them around)

* Borders Reward card (ooops, looks like I haven't cleaned out my home stack in awhile)

* Amtrak rewards card (just need the number and website has this remembered)

* Local Library card (they can use my driver's license, but I can't use the self checkout, which is OK becasue the line isn't ever long and I don't use often enough)

* Library Card for the bigger city by me

* NSSA Press Credentials (only needed when attending certain sporting events - I grab this one as necessary)

* APIS Press Credentials (same as above)

* Bike Club Membership card (provides discounts at local stores, but they know me and I don't need it anymore)

* Panera card (I think I needed this at one time to access Wi-Fi or something)

* Card for my season ski tune & discount (though customized, I think they just look me up in the computer or remember my face)

* Season pass card to get into a apre-ski venue for free

* AMC Entertainment gift card (I go to the movies once/year, and everytime I forget to bring this thing)

* Safeway Card (only useful when I'm on the West Coast grocery shopping. I've since learned to use my Brother's phone number)

* EFTA racing license for mountain bike race series around here in the summer time.

* NEMBA Membership card (mountain bike related)

* Gift Card to another coffee shop

* Home Depot Gift card (exact credit card shape and size)

So, as you can see, I've optimized a good chunk out of my wallet , but it's not all the way there. Though a couple of my cards "could go" there's still about 12 or 13 essential cards I must carry with me.

Re: Coin

#647

Post by taude »

shanselman wrote: post #425
taude wrote: post #250

Earlier quoted context omitted.

Here's my list: * Costco membership card * three loyalty shopper cards for my common stores (I need the physical card because none of the apps I've tried using that scan the bar codes work with store scanners) * a card to pay for my train rides, * bank debit card for ATMS * business credit card * personal credit card * medical insurance card (this one would be easy to just use a photo of) * AAA card (would be easy to…

I use Lemon Wallet and took photos of everything here that's NOT a credit card. I carry three cards. Drivers License, and two credit cards. Soon to be one.

That Lemon Wallet app looks really nice. I'm going to give it a go... I've tired some others, but didn't like them.

Also, I was a user of both Belly and Level Up for awhile. But the merchants around here have been finicky with the services and some of the shops I frequent stopped using them.

Re: Coin

#648

Post by taude »

artrlee wrote: post #509
taude wrote: post #250

Earlier quoted context omitted.

Here's my list: * Costco membership card * three loyalty shopper cards for my common stores (I need the physical card because none of the apps I've tried using that scan the bar codes work with store scanners) * a card to pay for my train rides, * bank debit card for ATMS * business credit card * personal credit card * medical insurance card (this one would be easy to just use a photo of) * AAA card (would be easy to…

I managed to cut down the bulk in my wallet by 3 cards by photocopying the barcode side of my loyalty cards and sticky taping them to other cards which don't need to be swiped (nfc based transport card, nfc based car share card)

Ooooh....this low-tech idea is very good. I've often wanted to create a single card (same shape and size of credit card) that I could print my essentials on so they could be scanned by a red laser scanner.

Re: Coin

#649

Post by taude »

Drexl wrote: post #362
jhandl wrote: post #190

Earlier quoted context omitted.

I love the idea behind Coin but what I need is a fat wallet. I carry 19 cards, of which 16 are essential. Some of them are not for swiping so they wouldn't benefit from Coin. The solution for me is a wallet that can hold 20 to 30 cards, but as far as I can tell there's no such thing.

It's less than 19, but perhaps the coolest card wallet on the market. Their kickstarter was a HUGE success. Maybe get two of them? http://www.ridgewallet.com/ http://www.kickstarter.com/projects/124039987/the-bridge-fro...

I supported the ThinFolio, I'm hoping to have another go with minimizing my wallet utilizing low-tech photocopying/pasting of bar codes to a single card & Lemon Wallet.

I think I'll be able to get down to about 8 essentials, and hope I don't forget the others when needed.

http://www.kickstarter.com/projects/markabramson/thinfolio-t...

Re: Coin

#650

Post by read »

lambda wrote: post #498
rfnslyr wrote: post #387

Earlier quoted context omitted.

Their loss really.

Everyone loses in this case. The card is supposed to facilitate a transaction and it failed to do so; the shop went without their money, the family went without their bikes, and all of the various financial institutions went without their cut. Which is why the poster above is warning about this; if there will be merchants out there who won't accept it, it's pretty much DOA as you can't replace all the cards in your w…

That's partly what makes this idea such a great bet. It's a positive sign Coin evokes such magnitude of excitement and disbelief.
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