New Credit Card Security Check

emcclay

emcclay

Well-Known Member
Original Poster
So, here I am at the boiling hot Animal Kingdom. The CM behind the register asked me for the last four digits on my card as a "security check". This has never happened to me before. I would rather them ask for my license, which is what I have on the back of my card to begin with.
 
tissandtully

tissandtully

Well-Known Member
emcclay said:
So, here I am at the boiling hot Animal Kingdom. The CM behind the register asked me for the last four digits on my card as a "security check". This has never happened to me before. I would rather them ask for my license, which is what I have on the back of my card to begin with.
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This is usually something that is required by the POS system and the processing company. I'm sorry to tell you this, but just showing them the 4 numbers on the back of your card isn't going to make that big of a difference, since they already scanned it. Not a big deal, enjoy your day.
 
experiment624

experiment624

Well-Known Member
The POS asks for the four last digits of your credit card number to compare to the number that was scanned from the strip when the card was slid through the machine. This is very common for merchants. Credit cards can be cloned, meaning a thief will copy your strip to another credit card: the card number imprinted on the card and the strip will have different account numbers. This way, you keep your card in your possession, but the thief now has a copy he can slide anywhere, and since he has a "copy" in his possession, it's harder to crack down. The security measure will allow them to compare the strip to the card to confirm it is the real card.
 
ChrisFL

ChrisFL

Premium Member
emcclay said:
So, here I am at the boiling hot Animal Kingdom. The CM behind the register asked me for the last four digits on my card as a "security check". This has never happened to me before. I would rather them ask for my license, which is what I have on the back of my card to begin with.
Click to expand...

The MATRA system at WDW they use DOES ask them to type in the last 4 digits but it isn't for the CM to ask you, they're just supposed to type it in but that is when you hand them the card directly, if they have a pinpad set up now its probably the procedure that has to be done. I think its more about an older POS system than anything else (I work in the POS industry, and yes, it can mean Point of Sale OR Piece of S.... ;) )
 
Clamman73

Clamman73

Well-Known Member
ChrisFL said:
The MATRA system at WDW they use DOES ask them to type in the last 4 digits but it isn't for the CM to ask you, they're just supposed to type it in but that is when you hand them the card directly, if they have a pinpad set up now its probably the procedure that has to be done. I think its more about an older POS system than anything else (I work in the POS industry, and yes, it can mean Point of Sale OR Piece of S.... ;) )
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Will the POS only ask for the numbers when the sale is over a certain amount though?
 
tissandtully

tissandtully

Well-Known Member
Clamman73 said:
Will the POS only ask for the numbers when the sale is over a certain amount though?
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Sometimes it's that, most of the time it's an algorithm though, based on categories where you've used the card. There's actually a funny one, if you buy two tanks of gas and then buy some sneakers from a shoe place, you'll probably get a fraud alert from your credit card company.
 
V

Viget

Active Member
ChrisFL said:
The MATRA system at WDW they use DOES ask them to type in the last 4 digits but it isn't for the CM to ask you, they're just supposed to type it in but that is when you hand them the card directly, if they have a pinpad set up now its probably the procedure that has to be done. I think its more about an older POS system than anything else (I work in the POS industry, and yes, it can mean Point of Sale OR Piece of S.... ;) )
Click to expand...

So speaking of POS POSs, why is it that we in the US seem to be behind the rest of the civilized world when it comes to handheld/wifi POS machines? I recently came back from 2 Canadian trips and I love these things. Not only are they faster and less cumbersome, but they make splitting a bill at a restaurant a breeze, have a simple push for 15 or 20% gratuity option, and are great for food service deliveries. The Canadians were looking at my credit cards (sans chips) with a little bit of a "quaint" attitude, much as Scotty approached the Mac in Star Trek IV.

I have also seen these babies in action in Europe several years ago and they are no question the way to go. Why are we still beholden to large, cumbersome POS machines, ESPECIALLY at restaurants?
 
tissandtully

tissandtully

Well-Known Member
Viget said:
So speaking of POS POSs, why is it that we in the US seem to be behind the rest of the civilized world when it comes to handheld/wifi POS machines? I recently came back from 2 Canadian trips and I love these things. Not only are they faster and less cumbersome, but they make splitting a bill at a restaurant a breeze, have a simple push for 15 or 20% gratuity option, and are great for food service deliveries. The Canadians were looking at my credit cards (sans chips) with a little bit of a "quaint" attitude, much as Scotty approached the Mac in Star Trek IV.

I have also seen these babies in action in Europe several years ago and they are no question the way to go. Why are we still beholden to large, cumbersome POS machines, ESPECIALLY at restaurants?
Click to expand...


Apple uses handheld POS based on iPod Touch. I think some other retailers do as well. I know Applebee's near me uses table POS.
 
ChrisFL

ChrisFL

Premium Member
Viget said:
So speaking of POS POSs, why is it that we in the US seem to be behind the rest of the civilized world when it comes to handheld/wifi POS machines? I recently came back from 2 Canadian trips and I love these things. Not only are they faster and less cumbersome, but they make splitting a bill at a restaurant a breeze, have a simple push for 15 or 20% gratuity option, and are great for food service deliveries. The Canadians were looking at my credit cards (sans chips) with a little bit of a "quaint" attitude, much as Scotty approached the Mac in Star Trek IV.

I have also seen these babies in action in Europe several years ago and they are no question the way to go. Why are we still beholden to large, cumbersome POS machines, ESPECIALLY at restaurants?
Click to expand...

I could say something, but in the best interest of where I'm employed now, I'd better refrain ;)
 
Monty

Monty

Brilliant...and Canadian
In the Parks
No
I've often seen a clerk punch in the last four digits from the card, but never had one ask me for them. I'd have to ask for the card back to read it. I have a number of different credit cards and I'm often entering the numbers in their entirety from memory to make on-line purchases, but to spout off only the last four digits on demand I'd be stymied! :confused:
 
Clever Name

Clever Name

Well-Known Member
Nubs70 said:
Not paranoid it's just that chipped cards are more secure. The swipe duplicator technique does not work on chipped cards.
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Secure for whom? Under U.S. law credit card users can only be held liable for a maximum of $50.00 if a card is used fraudulently. As a rule, credit card companies don't hold their customers responsible for fraudulent use. The companies make billions of dollars on credit cards and they're more than willing to absorb credit fraud. After all, it's not my responsibility to protect the bank or credit card company.

The use of a credit card in the U.S. is secure for the card holder. On the other hand, if you use a debit card, you're just asking for trouble.
 

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