What EMV card do you have? I didn't think there were any here except the chase card for British Airways. I debated getting it for travel to Europe but decided against it (can't remember why now)<span></span><br><br>
On Saturday, July 27, 2013, JD wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">By the end of 2014, in theory, EMV (chip-n-pin) cards<br>
<a href="https://en.wikipedia.org/wiki/EMV" target="_blank">https://en.wikipedia.org/wiki/EMV</a> will be required across the USA. That means a<br>
PIN will be necessary for all transactions. Where I've seen them used overseas,<br>
the transaction machine is brought to you to insert and enter the PIN - your<br>
card never leaves your possession.<br>
<br>
EMV has security and fraud issues too. Nothing is perfect. The main concern for<br>
users is when the PIN is entered, it is assumed that you agreed to the<br>
transaction - little hope of claiming fraud. Some contracts include that clause.<br>
EMV has been used to shift liability to the consumer in some countries. I<br>
haven't seen this clause added to my EMV card here.<br>
<br>
On 07/27/2013 05:48 PM, Mike Harrison wrote:<br>
> On Sat, 27 Jul 2013, Ron Frazier (ALE) wrote:<br>
>> Had to share this with you. I go to the QT gas pump. I swipe the debit<br>
>> card. The screen says enter your pin number or press no. So, just like I<br>
>> would if I was a thief, I press no. The pump asks me to select my fuel grade,<br>
>> which I do. Then I proceed to fill my tank. Great security.<br>
><br>
> On many better systems, you get prompted for a zip code,<br>
> as others have said.<br>
><br>
> Option B: "credit card" rather than "debit card" mode, means the merchant pays a<br>
> higher percentage fee for the less secured mode, both in terms of the card<br>
> transaction and your ability to deny the charge (charge back) later. Other logic<br>
> at play may be a limit ($50 or $75) on that swipe only transaction, limiting<br>
> their exposure. I've had pumps when travelling that limited me to a $50 charge<br>
> as a credit card, but no limit in debit mode.<br>
> You notice it when towing a trailer.<br>
><br>
> What you also may have run into, but probably not notice, is pumps and<br>
> associated systems with camera's. When you swipe the card, they snap a shot of<br>
> you and your car. The really good ones have camera's mounted at angles that can<br>
> snag you/car and license plate and record a still as part of the transaction,<br>
> saved for as long as they have hard drive space. You'll notice the ones at big<br>
> truck stops with the monitors mounted near the cashiers, but many of them are<br>
> not so noticable.<br>
><br>
> What really keeps ancient credit card technology secure is that -most- people<br>
> are honest, and most dishonest people aren't that bright. What keeps me (and the<br>
> world) paranoid is the few times I've bumped into brilliant bad people. They are<br>
> out there.<br>
><br>
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</blockquote><br><br>-- <br><div><b><br></b></div><div><b>--</b></div><div><b>Andy Borgmann</b><br><br><div>E-mail: <a href="mailto:andy@borgmann.me" target="_blank"><font color="#990000">andy@borgmann.me</font></a> <br>
Cell Phone: <font color="#990000">(404) 492-6527</font> </div><div>Personal Website: <a href="http://andy.borgmann.me/?r=email" target="_blank"><font color="#990000">http://andy.borgmann.me/</font></a></div>
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