New Credit Card Security Check

[articos]

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?

Because of the cost of rolling out the Chip & Pin infrastructure across the US, and there are entrenched interchange networks who have purposefully held the US back. That's just starting to change this past year.

 

[Bolna]

talking about entering pins - and Disney. I used the charge to your room card via tap and enter pin quite a bit. And was shocked at how inconvenient these thingies were. Here in Germany I have to enter a pin every time I use my credit or debit card. And those pads are much better designed (including screens so you can prevent people from watching the number you enter). Those buttons on Disney's machines are tiny!!

 

[Padraig]

It still amazes me that chip and pin CC hasn't rolled out in the U.S. There's always that moment when you pay and your card disappears in a restaurant and you think how ropey and unsecure the old system is.

 

[Virtual Toad]

Makes sense to me. Require credit card users to manually enter the last four digits of their CC number and suddenly using MagicBands doesn't seem any less convenient.

 

[experiment624]

There's always that moment when you pay and your card disappears in a restaurant and you think how ropey and unsecure the old system is.

Happened to me at a restaurant, used my debit card and stripe got cloned, my account was cleaned out by the next morning. Bank called me in the middle of the night to notify me of unusual activity, but I was sleeping. Bank returned all of my money but took seven days...that's seven days with no money in the bank. Apparently, bunches of people had it happen to them at the same restaurant and the authorities were able to catch the guilty individuals.

 

[Clamman73]

Happened to me at a restaurant, used my debit card and stripe got cloned, my account was cleaned out by the next morning. Bank called me in the middle of the night to notify me of unusual activity, but I was sleeping. Bank returned all of my money but took seven days...that's seven days with no money in the bank. Apparently, bunches of people had it happen to them at the same restaurant and the authorities were able to catch the guilty individuals.

I would only use a debit card at your bank's atm machine.

 

[experiment624]

I would only use a debit card at your bank's atm machine.

Since it's run as a credit not as a debit (with a pin number) you're still covered by credit laws; that's why I got all my money back. They can clone that strip all they want, they have to have my pin number too before it's a real problem.

 

[Fantasmik]

To clear up any WDW confusion, all point-of-sale systems at WDW that are owned by Disney (as opposed to Participating Vendors) require the last 4 digits of the credit card number to be entered immediately after swiping the card. The CM typically does not need to ask the Guest what the numbers are, as the CM is holding the card in his/her hand. Therefore, the Guest has no reason to be aware that the digits are required. The only event triggered by a certain dollar amount is whether the Guest needs to sign the receipt. That dollar amount is $50 and higher.

 

[Timekeeper]

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.

The bigger fear is probably of the collateral consequnces related to identity theft, such as destroying credit, which is virtually impossible for the victim to undo.

 

[tissandtully]

This thread is still open? Geez, you guys get run off course too easily. This is not unique to Disney at all.

 

[openendedsky]

To clear up any WDW confusion, all point-of-sale systems at WDW that are owned by Disney (as opposed to Participating Vendors) require the last 4 digits of the credit card number to be entered immediately after swiping the card. The CM typically does not need to ask the Guest what the numbers are, as the CM is holding the card in his/her hand. Therefore, the Guest has no reason to be aware that the digits are required. The only event triggered by a certain dollar amount is whether the Guest needs to sign the receipt. That dollar amount is $50 and higher.

I signed a receipt yesterday for a margarita at Disney, yesterday. So no. And I've been asked for the last four digits a few times in the past couple of months. No big deal.

 

[Goofnut1980]

I would be happy when they ask for anything to verify.

 

[ChrisFL]

Not paranoid it's just that chipped cards are more secure. The swipe duplicator technique does not work on chipped cards.

I mean that chipped cards could be "tracked by the government" etc. etc.

Just look up "real ID" in google for some fun

 

[Nubs70]

Google axciom.com

 

[flavious27]

The CM is just suppose to type in the last four, they don't need to ask you. When I did cash advances for a bank it did the same thing, most consumers do not know their cc # anyway.

 

[Clowd Nyne]

I like to take my cash and try to use it on the tap-to-pay readers.

I did that and the correct amount of money disappeared right out of my hand.

 

[Dukeblue1227]

Credit cards were convenient, but have become a bit of a headache. I am back to mostly cash.

Because after you swipe your card (and thus providing the retailer your CC number by doing so) you're then asked to speak outloud 4 numbers... or on the flipside, hand your card to the cashier.

That's inconvenient?

 

[The Mom]

That happens to me all the time everywhere I shop....

Lowes always asks for the last for digits.

Just got a new CC (old account) and it no longer has the # on the front, nor are there any raised #s - only my name is in raised letters on the front, while both name, #, and exp date are raised on the back. They changed my security code, and it is now embossed. But the embossing is not as raised as in the past.

 

[PhotoDave219]

That's a tad cheap.... What happens when the card wears out?

 

[emich88]

I worked at the Emporium up until April. We used to have to ask for the last four digits. But because it was such a hassle with the touch-to-pay they took out the security of having to type in the last four digits.... Which is why some locations require the last four digits and some don't. I now work at the Main Street Bakery and we do not ask for the last four digits.