Another scam

[GaryB]

I ensure that me & wife have contracts with different networks to increase the chance of one of us getting a signal when needed.

We visited a pub in York three years ago and they banned phones! If you were caught looking at a phone you were (rather abruptly) told to leave! Drinks had to be paid for by card or cash. Unsurprisingly it wasn't very busy...........

 

[Buckman]

I’m split on this one.
Technically a smart or i phone is actually more secure in the way the data is stored released and transmitted, can’t be hacked, so I am told by regular users.🤔

If I lost my phone or had it stolen then I’m stuffed.

Cards? Still use them , possibly because I just prefer them and still consider them safe.

What I do object to is a lot of car parks now only let you pay by phoning a number or texting, no cards , no cash.. That’s very wrong.

Phone thefts are very high and are easy to steal hence our reluctance to have any back details on a phone. If my card is stolen, the most they probably get out of it is about £50 however if my wallet is stolen, the CC is a concern. My wallet is always in my trouser pocket and even of me difficult to access due to small deep pockets and big hands. Gets even worse when OH is shopping with me. 🤣

 

[Buckman]

I ensure that me & wife have contracts with different networks to increase the chance of one of us getting a signal when needed.

We visited a pub in York three years ago and they banned phones! If you were caught looking at a phone you were (rather abruptly) told to leave! Drinks had to be paid for by card or cash. Unsurprisingly it wasn't very busy...........

Our type of pub!

 

[Devonisheaven]

Why on earth would you thin k that as it is probably the most insecure. Like others we would never had anything financial on the phone. I don't even have my normal email on my phone. Just a backup email address.

Well good for you. Like others, what, few others. 😂

If we ever met up in a pub say, I will happily give you my phone and you can buy the whole pub a round of drinks, and perhaps a Scampi in a Basket, IF you can get into it, which you won’t, not a chance. It is locked, and only opened up using facial recognition, or PIN………Twice!

On the other hand, you give me your wallet with your cards……..Party time! 👍🍻🍻🍻

I would much rather mislay my phone, than a wallet containing my bank cards. As already said, I have full control of my bank accounts on my phone, including canceling cards at a tap.

Twice I have had my cards used, don’t ask me how, but I paid a hotel bill in Reading with my Debit Card, stupid mistake, rookie error, to find I was buying lingerie the next day. Also in France, when expensive perfume was being purchased when I arrived home. In the ten years or so using my phone…..Nothing. Far more secure.

Carry debit and credit cards around in a wallet……No thanks, not on your Nellie! But if it suits you, crack on, but don’t lose or mislay your wallet…….Beers all round. 😁👍🍻🍻🍻

Note: Please don’t think bad of me being in Reading, I would normally not go near the place, but had just cycled the K&A canal from Bristol. Plus I don’t, often, wear women’s lingerie or expensive perfume.

 

[Devonisheaven]

Phone thefts are very high and are easy to steal hence our reluctance to have any back details on a phone. If my card is stolen, the most they probably get out of it is about £50 however if my wallet is stolen, the CC is a concern. My wallet is always in my trouser pocket and even of me difficult to access due to small deep pockets and big hands. Gets even worse when OH is shopping with me. 🤣

Let me get this right…..No body steals wallets! 😳.

 

[Devonisheaven]

Away in caravan 3 weeks ago and went to use a car park which was Ringo only. One problem no signal on phone. Drove away about half a mile and got weak signal. Paid the meter number to Ringo then drove back to park. Give me cash parking any day,

Yes, you should have a choice. 👍

 

[Buckman]

Let me get this right…..No body steals wallets! 😳.

Like no one steals phones?

 

[Devonisheaven]

I ensure that me & wife have contracts with different networks to increase the chance of one of us getting a signal when needed.

We visited a pub in York three years ago and they banned phones! If you were caught looking at a phone you were (rather abruptly) told to leave! Drinks had to be paid for by card or cash. Unsurprisingly it wasn't very busy...........

My wife and I also use different networks for the same reason…….We live in Devon!

Banning phones from a pub is pure insanity, and quite pathetic. BUT, people sat just looking at their phone is also ridiculous and rude, it kills the whole idea of socialising. If out with my family, it’s phones away, unless it rings/buzzes…..It may be important! The grand kids hate that rule, but I won’t have them staring into a phone all the time.

But banning phones, no wonder it wasn’t busy…….Great business model! 🤪🤪

 

[Devonisheaven]

Like no one steals phones?

Errr, yeah! 🤷. But no bank details are stored on your phone! No acc number, no long number, no sort code. Not sure you understand how it works, but give me a glance at your CC…….Bingo!

 

[Dustydog]

Errr, yeah! 🤷. But no bank details are stored on your phone! No acc number, no long number, no sort code. Not sure you understand how it works, but give me a glance at your CC…….Bingo!

I thought Google Wallet and Apple Pay had all the card details otherwise how can it make a payment?
As I said earlier these things are an anathema to me😎

 

[RogerL]

Let me get this right…..No body steals wallets! 😳.

For many people, its easy to steal their phone as it's always in their hands!

In my case, both phone and wallet are deep in my pockets.

 

[Devonisheaven]

I thought Google Wallet and Apple Pay had all the card details otherwise how can it make a payment?
As I said earlier these things are an anathema to me😎

No DD, no bank details are stored, or certainly not visible on your phone. 👍

 

[Devonisheaven]

For many people, its easy to steal their phone as it's always in their hands!

In my case, both phone and wallet are deep in my pockets.

Yes, but I would rather have my phone stolen, than a wallet containing debit and credit cards. But nobody wants anything stolen…….So look after it!

 

[otherclive]

Also cards can fall out of wallets if you are not careful.

 

[rich0805]

I ensure that me & wife have contracts with different networks to increase the chance of one of us getting a signal when needed.

We visited a pub in York three years ago and they banned phones! If you were caught looking at a phone you were (rather abruptly) told to leave! Drinks had to be paid for by card or cash. Unsurprisingly it wasn't very busy...........

It must have been a Sam Smiths pub

 

[Devonisheaven]

It must have been a Sam Smiths pub

Love the idea of no music, no swearing,tv, flashy machines and people staring into phones. 👍

 

[Buckman]

Yes, but I would rather have my phone stolen, than a wallet containing debit and credit cards. But nobody wants anything stolen…….So look after it!

Can the phone be used to make purchases up to £100 without a PIN?

 

[Devonisheaven]

Can the phone be used to make purchases up to £100 without a PIN?

No, you cannot many ANY purchase without, finger print, facial recognition or PIN.

 

[Dustydog]

For many people, its easy to steal their phone as it's always in their hands!

In my case, both phone and wallet are deep in my pockets.

That’s two of you with deep pockets.
Must see my tailor

 

[Dustydog]

I’m amazed! Thanks to Devonisheaven the following has changed my mind. Apologies for the whole script .

From AI.
When paying with a phone, the reader knows which account is being used via secure, encrypted communication using Near Field Communication (NFC) technology. The phone transmits a virtual account number, not the actual card number, to the payment terminal, ensuring the payment is authorized.

Here's a more detailed breakdown:

1. NFC Technology: NFC (Near Field Communication) is a short-range wireless technology that allows devices to communicate over very short distances. This is how your phone interacts with the payment terminal to initiate the transaction.
   
   
2. Secure Token: Instead of sharing your full card details, the phone transmits a secure token, which contains the information needed for the payment to be processed.
   
   
3. Virtual Account Number: Tap to Pay on Android uses NFC to transmit a virtual account number to the terminal instead of your real card number.
   
   
4. Authorization: The payment terminal uses this information to communicate with the card network and your bank.
   
   
5. Verification: The bank checks your account balance and confirms the transaction.
   
   
6. Payment Processing: If approved, the funds are transferred to the merchant's account.
   
   
7. Security: This method ensures your actual card number is not directly shared with the merchant.

 

[Buckman]

I’m amazed! Thanks to Devonisheaven the following has changed my mind. Apologies for the whole script .

From AI.
When paying with a phone, the reader knows which account is being used via secure, encrypted communication using Near Field Communication (NFC) technology. The phone transmits a virtual account number, not the actual card number, to the payment terminal, ensuring the payment is authorized.

Here's a more detailed breakdown:

1. NFC Technology: NFC (Near Field Communication) is a short-range wireless technology that allows devices to communicate over very short distances. This is how your phone interacts with the payment terminal to initiate the transaction.
   
   
2. Secure Token: Instead of sharing your full card details, the phone transmits a secure token, which contains the information needed for the payment to be processed.
   
   
3. Virtual Account Number: Tap to Pay on Android uses NFC to transmit a virtual account number to the terminal instead of your real card number.
   
   
4. Authorization: The payment terminal uses this information to communicate with the card network and your bank.
   
   
5. Verification: The bank checks your account balance and confirms the transaction.
   
   
6. Payment Processing: If approved, the funds are transferred to the merchant's account.
   
   
7. Security: This method ensures your actual card number is not directly shared with the merchant.

In essence that reads as if anyone could use your phone to make a payment?

 

[otherclive]

In essence that reads as if anyone could use your phone to make a payment?

No, you will need fingerprint, or facial recognition, or in some cases a PIN. before a payment can be made. It’s been explained in above posts. Chopping of a finger won’t work either.

 

[Buckman]

No, you will need fingerprint, or facial recognition, or in some cases a PIN. before a payment can be made. It’s been explained in above posts. Chopping of a finger won’t work either.

I have seen people simply waving the phone over the contactless terminal for payment to be made? Using a card I do not need fingerprint, facial recognition or a PIN. At least with a card, I can cancel the card straight away. If a phone is stolen you cannot do that as you have no phone to cancel anything.

 

[otherclive]

I have seen people simply waving the phone over the contactless terminal for payment to be made? Using a card I do not need fingerprint, facial recognition or a PIN. At least with a card, I can cancel the card straight away. If a phone is stolen you cannot do that as you have no phone to cancel anything.

But to open the phones wallet they have probably used fingerprint or Facial ID. I bet I can cancel my card far quicker via the bank or CC app that could be done by phoning the card issuer. Yes if your phone is stolen that becomes more difficulty, but having wallet stolen is also a problem until you can contact the card issuer.

Hers a pretty good link that explains NFC and its advantages and risks,

Near Field Communication (NFC) and Cybersecurity: Risks for Consumers

Learn cybersecurity threats and risks for NFC technology, as well as how to reduce NFC related cyber impacts from a cybersecurity expert.

citanex.com

 

[Tobes]

I have seen people simply waving the phone over the contactless terminal for payment to be made? Using a card I do not need fingerprint, facial recognition or a PIN. At least with a card, I can cancel the card straight away. If a phone is stolen you cannot do that as you have no phone to cancel anything.

That is what you think you have seen, but it's not what happened. What happened was the user activated the card payment, authenticated them selves via face recognition or fingerprint, and then paid. Is so seamless, you would not notice it.