Contactless payment systems are credit cards and debit cards, key fobs, smartcards or other devices which use RFID for making secure payments. The embedded chip and antenna enable consumers to wave their card or fob over a reader at the point of sale. Some suppliers claim that transactions can be almost twice as fast as a conventional cash, credit, or debit card purchase.
At the same time the thief have also become smart. They have devised methods to copy customers card details on their devices. This video shows how the theft takes place in the real world.
Anyone that pats me like that with whatever item/book/padding/device I would charge them with assault and detain that person until officer shows up. Then I can explain I have a contactless card and I got "touched" in a strange way by the guy.
How about this, just use cash!! This is all a scam to get you to go completely digital and cashless. @ this point 60-70 percent of the worlds wealth is held in savings and can’t be gotten @ so why not open a digital platform for the government so they have access to that as well.
What a bunch of sheep!!!
Watch closely and there aren't full card numbers showed, middle number are hidden. Also some card reveals card holder name, but not all. Some card won't reveal even validity data. Who really are worried are those who clone cards, more Chip&PIN transactions and no card leaks to black markets.
This is so frustrating. I want contactless pay to be the norm but stupid new stations spreading misinformation to scare the masses is frustrating. I know this is old but the stigma still remains.
Apple Pay and android pay are farrrrr more secure then the old scholar mag strip or even the new chips. Also I just want to point out how odd you would be if you were randomly bumping and rubbing up people.
+ddvsds well we are living in a world where men are wearing tights and health and safety is killing jobs and peoples health.
So that is not a surprise to hear they are forcing a fraud (tracking enabled card).
My advise cut the fucker out
Now they TRICKED millions of people into having a chip on their card, all they need to next is insist it is put on our hand or forehead, because cards get stolen but hands dont. It is all prophesied. Looks like the chip might be the 666 mark.
He told the woman with the green purse what she had in there before it beeped ? Also its obvious this could lead to fraud cause if you lose your wallet or purse and someone finds it they can use it without a pin.. We already know this shit 😂
Koruma Id Protection - Protect your Privacy and Identity Or unless you're using cell phone with contactless technology such as apple pay or samsung pay, which would be harder to read as done in the video. In those cases the device is also assigned a number that's different from the actual credit card number and all purchases must be authenticated via a fingerprint. Not only that, but they replace the static 3 digit security code (the one in the signature panel for most cards, four digits on the front for amex) by a dynamic one that changes for every purchase.
+Ponies Everywhere oh yes, that's true as well. I think together they both make it more secure. Apple say that the Touch ID confirms the owner's identity, plus because the card number is never stored on the device, personal information is never transmitted or shared with merchants.
+Mike Wolf That is not what makes them secure, because in theory, once the info is out of the phone then its free season. What makes them secure is that they don't release card info; it sends a 1 time use code for the payment ;)
It isn't just Fraud that's a problem. You could lose your Card, and by time you realise it, someone could have racked up numerous Sales, as they don't need your PIN. I would never have One! I prefer to use a PIN. It only takes Seconds anyway, and is safer than someone being able to do numerous Transactions, before you realise you have lost your Card and report and block it! Some Technology is obviously great. Some isn't though!
A bit late here but no, my bank offers the stolen money back within 48 hours or so. Also if you keep money in a savings account then the thief really won't be able to do much as they only have your card and not your account. So all you need to do is open the app/website/phone and select the card has been stolen option to immediately shut down that card.
This ''contactless'' technology is useless, is it so hard to just slide it through the POS machine and put your password it only takes 5 seconds, or if youre the guy like ''this contactless thingy saves 3 more seconds of my life! so why not to put my whole money in risk!''
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I have paypass on my mastercard with RFID Block and have never had an issue even when i traveled to Japan, Austria, Germany, and China, take preventive measures and paypass and paywave can be safe and fast, i had mine for 6 years and no issues of fraud
When I got a contactless card for the first time, I tried to pay by touch and it took far more time than paying by contact. About 1 minute. So where is the advantage (besides easier way to steal my money)?
I just cut the antenna conducting between magnetic and signature bands by the box cutter and the card is not contactless anymore. Banks all over the world, fuck you!
why dont people just buy a RFID blocker to put your cards in? plus.. here in the UK you can only make a max payment of £20 per transaction. so if someone did steal your card they wont be able to pay for TV's etc
Someone who copies your card with a card reader available on line can make multiple purchases. The banks will only repay money after it has been reported as compromised, by the time you realise the card has been compromised your account is empty.. the simple answer is DON'T ACCEPT CONTACTLESS CARDS
I just had a new card sent to me with this crap chip inside it. I cut it out of the card Immediately after opening the envelope. It really takes that long to swipe a card and enter a pin? Stop forcing us to have a card we don't want. I should be able to opt out of the "touch-less payment card" and get a real one sent to me.
what am saying is very basic but:
1)The RFID in your card doesn't contain that type of information is contain a frequency code that is used to contact your bank. If you do get cloned and a big IF then am afraid it was your bank sending information to non registered business you can easily get your money back and I suggest changing bank.
2)The max token that can be taken out is limited and once the limited transaction is taken your details are wiped in the UK you can only take out £20 max a day.
3)You need to be close to the reader for a second.
Are they really accepting magstripe transactions in USA? Yep, technically RFID stores a copy of magstripe tracks, but as seen on that laptop display, one can't read anything more than any shop assistant who sees customer's card.
By all PCI, VISA and MC requirements the whole world is using AES / 3DES encrypted chips and fallback to magstripe is not allowed even if the reader is present except in special circumstances (typically validated by customer's signature and ID).
+melluzi The banks didn't even start sending out cards with chips until last year. They are chip and signature cards, they don't send out chip and PIN cards. I don't think most of the hardware needs replacing, but they do need software updates, as they were never programmed to accept chips, certainly not programmed to mandate use of chips.
+cbernier3 This is weird. All Europe and EEMEA region, including countries like Nigeria and Pakistan are only using chips for a long time already. Perhaps there is too much hardware that needs to be replaced in USA.
+Oddball It could be from anywhere, if you have ever even left the card sitting anywhere, someone could simply swipe it and leave without you ever know it happened. It could have also happened online. If I were you, I would get a RFID blocker for the card and wait a few weeks, it will still be hacked. Once we move to NFC payments on smartphones, this won't be a problem.
Yes, but with modern contactless cards, tokenization is used via a dynamic CVV3 code. They also have a different expiration date in some cases, and no longer send the name over contactless. With modern cards, it's not possible.
This is why they're getting rid of magnetic strips and requiring pins. AND don't bother comparing this to Apple Pay/Google Wallet. You'll never get the true credentials EVEN if you break into the phone.
My bank in UK is basicly forcing me, against my will, to have one of these cards. After numerous arguements, they've agreed to issue me a non contactless card but it's a downgrade, ie: I can't use it on the net or outside UK. Watching this has just proved my arguements
That's fine, you are entitled to feel how you want. I just posted, as you stated that this article proves your argument, which it doesn't as you don't understand that in the UK you cannot simply swipe which means obtaining the card number and expiry is now worthless - thieves cannot use those details. And since this video we've had contactless for 2 years, and the sky has not fallen down :)
But enjoy your grubby cash if it makes you feel secure :)
No it hasn't. In the UK most retailers only accept chip and pin, so you cannot simply swipe a card as demonstrated.
You are also no liable for any theft from your card. To make a non contactless payment you need the PIN. Contactless payments are limited to certain values, say 20 pounds and only a certain amount per day (and if the payments are too numerous retailers will start challenging by PIN)
You really need to get over yourself on this one. Cash for example can be dropped / lost with no recourse to anyone or anything. Contactless is super convenient, cuts down queue times (I hate waiting for people to faff for pennies) overall its a great system. This swipe stealing only works in the US as they haven't gone chip and PIN yet like we have in the UK.
Rubbish! Firstly you have to hold the card within 3-4 cm of the device (Not up to 30ft as commented below). Secondly Most places now would use Chip and Pin technology so copying the details onto a room card would mean the card shouldn't be accepted. (if the shop is allowing swipe cards they really need to update their security). It also would randomly ask for a Pin to check for security and 4th your bank will cover you IF your card details were used that way. I work for a bank in the UK and since it was introduced here over 4 years ago I've not dealt with one case of contactless fraud (The old system of cheques is still the highest level of fraud seen but the stupid media don't cover that as a story). Its stupid videos like this that make our jobs harder and the public less trusting (especially the older generation). The most you would get is the card number and the expiry date - not enough for even an online transaction as you'd need the persons name, address and 3 digit security code.
@hackingspartan would like to learn more in depth regarding contactless card from technology ,communication and message exchange point of view. sir would be great to share some info to me. *ignore grammer.
Nereus I'm sorry you Americans are so behind in payment technology. What he means are that emv cards (chip and pin) do not share details with the payment terminal, contactless or not, they use tokenisation. And by pin he means that if you make a lot of contactless transactions in a day, you have to make a chip and pin transaction to verify it's you, so a thief can't go around the whole city tapping your card. Your card can be blocked the same way as a standard card and banks will refund you for fraud. He is not stupid, it's just that us europeans are way more advanced in payment technology, we had chip and pin cards for years, not the crappy unsecure swipe cards you had, it took you more than a decade to introduce emv cards, and it's still chip and signature not chip and pin. We had contactless for a bunch of years now, and instead of dying like in America, it's nearly in every store now in all of Europe. This also means that Android, Samsung and apple pay can be used practically anywhere. By 2020, all UK terminals will have to be contactless, so you can use contactless cards and phone payments in EVERY store in the UK and in 95% of stores in Europe. You'd be lucky if you're that advanced by 2050.
It's weird to see how America still has no PIN chip on their credit cards.
But a nice solution: hold multiple NFC-enabled or RFID-enabled cards close to each other while you don't use them.
This way those readers won't be able to read your cards.
I tried this with my V-PAY debit card, ING card (powered by Maestro), OV-chipkaart (for public transport) and ID (government) card.
Every single device I tested on gave me an error when putting these cards together.
You have this crap in the US? seriously, ridiculous!? Anyone could just place a wireless pay-terminal at the end of some stairs or whatever and just transfer money right out of their pocket..I guess stupid people would agree to anything these days.
Still safer than carrying cash. Imagine having £20 in your wallet and someone steals that. They will spend it and you wont see it again. IF someone used your card you report your card stolen and get the money back through the bank as they protect you.
A few hundred dollars? In the UK contactless payments are limited to £20 each and after you do a few you will be asked for the PIN and will not be able to use contactless again until the PIN is entered.
Even in the USA though if you were to be a victim of this kind of fraud you would be protected anyways so i really don't see what the consumer has to worry about.
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