321–330 of 432 posts
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my contactless cards need a PIN when used for significant money, don't they all? Is skimming a major issue?
I don't know what qualifies as "significant", but I've used contactless on my actual card a handful of times and never needed a PIN
I unabashedly love apple pay and use it preferentially whenever I can. in the US, it's faster than chip-and-pin cards by a LOT. It rolls a new number every time I use it, so i can pay at sketchy gas stations at 2 AM and not care about skimming. More and more gas stations are upgrading their pump POS pads so i can refuel my bike without digging under my armour for my wallet. On websites, my only quibble is that it's o…
To clarify for readers (doesn’t matter for you), terminals that support Apple Pay probably also support tap room pay with credit cards that have that feature. It’s just as fast as Apple Pay (once you have your card out).
I care much more about privacy than security.
So does the merchant get your name/Info when you pay with Apple Pay? Are you afforded my privacy than w a credit card? I care much more about privacy than security.
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Mostly there, you get a tokenized PAN (DPAN) for every card enrollment. Remove, and re-add a card to your digital wallet and you'll get a new DPAN. The unpredictable number is an (of a few) inputs into the generation of the CVV3, which is also based on a dynamic key from the issuer. Key rotation is on the order of weeks to months (depending on issuer). This is the "unique number" per transaction (part of tag 57 https…
> Remove, and re-add a card to your digital wallet and you'll get a new DPAN. Has anyone made a habit of rotating DPANs on a regular basis like this? Does Apple or your bank get irritated at some point?
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I've gradually started getting over my similar feeling-like-a-dick sentiments. I definitely always have the worry that it's not going to work (Google Pay for me here, though), and occasionally I'll fumble to hold my phone in exactly the right way for the particular card reader I'm presented with. I still also feel like if I hand a card to a cashier, and it isn't working right, I implicitly blame the store or their eq…
Same here (Google Pay). I've tried a handful of times over the past 2 years or so and it has never worked for me.
Earlier quoted context omitted.
Mostly there, you get a tokenized PAN (DPAN) for every card enrollment. Remove, and re-add a card to your digital wallet and you'll get a new DPAN. The unpredictable number is an (of a few) inputs into the generation of the CVV3, which is also based on a dynamic key from the issuer. Key rotation is on the order of weeks to months (depending on issuer). This is the "unique number" per transaction (part of tag 57 https…
> Remove, and re-add a card to your digital wallet and you'll get a new DPAN. Has anyone made a habit of rotating DPANs on a regular basis like this? Does Apple or your bank get irritated at some point?
So far my banks have not complained.
I don't believe the numbers. Apple pay is not useful outside of the US as contactless cards are better (don't need to unlock your phone and play around with a weird UI to make a payment), and prevalent. Weirdly within the US most cards dont have them. Within the US very few places support NFC, and super common workflows like paying at a sit down restaurant never support it (because of tipping). I suspect the research…
Earlier quoted context omitted.
> Remove, and re-add a card to your digital wallet and you'll get a new DPAN. Has anyone made a habit of rotating DPANs on a regular basis like this? Does Apple or your bank get irritated at some point?
Why would you do this?