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#1
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OT - credit card upgrade question
| Should I destroy the RFID and just use the
| magnetic swipe? | I would and do. With my last card I asked for non-RFID and they refused to issue it, so I found the chip and drilled it out with a very small bit. Some chips can be found because there's a small bump. Some can be seen through light cards. If you can't find it you may need to order an extra card so you'll have one to shave away looking for the chip, thus telling you where to drill. Another convenient thing is software to check the chip, to make sure you killed it. I looked around and found that no one sells readers, but then I discovered there's a free Android app that can do it. A friend has an Android phone. I downloaded the free app and held the card under the phone to show the chip ID number. I then drilled out the card and checked again to make sure it was "dead". |
#2
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OT - credit card upgrade question
On Thu, 9 Apr 2015 19:22:17 -0400, "Mayayana"
wrote: | Should I destroy the RFID and just use the | magnetic swipe? | I would and do. With my last card I asked for non-RFID and they refused to issue it, so I found the chip and drilled it out with a very small bit. Some chips can be found because there's a small bump. Some can be seen through light cards. If you can't find it you may need to order an extra card so you'll have one to shave away looking for the chip, thus telling you where to drill. Another convenient thing is software to check the chip, to make sure you killed it. I looked around and found that no one sells readers, but then I discovered there's a free Android app that can do it. A friend has an Android phone. I downloaded the free app and held the card under the phone to show the chip ID number. I then drilled out the card and checked again to make sure it was "dead". Kinda stupid thing to do - but then again--------- |
#3
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OT - credit card upgrade question
"Mayayana" wrote:
I would and do. With my last card I asked for non-RFID and they refused to issue it, so I found the chip and drilled it out with a very small bit. I wouldn't. Come this October, retailers will be responsible for any fradulent transactions caused by use of the mag stripe on an EMV ("chip") card. Because the retailers will not take on that risk, they will honer the flag encoded on the mag stripe that indicates the card is an EMV card, which means you won't be able to use it. |
#4
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OT - credit card upgrade question
| I wouldn't. Come this October, retailers will be responsible for any fradulent | transactions caused by use of the mag stripe on an EMV ("chip") card. Because | the retailers will not take on that risk, they will honer the flag encoded on | the mag stripe that indicates the card is an EMV card, which means you won't be | able to use it. That's possible. They are trying to switch over. If it happens I'll worry about it then. In the meantime, I have 4 cards and only one is (was) chipped. And not all of them are due to expire before October. It's also not clear to me exactly how that works. The October rule may make a merchant responsible if they don't have a chip reader. That's not the same thing as having a chip reader but the card having a dead chip. The chip cards in Europe are at least backed up by also requiring a PIN number. That's apparently not going to happen in the US. If I eventually have to accept the chip I'll keep the cards in a fold of aluminum flashing, which I already have in my wallet. I'm trying to phase out use of credit cards, anyway. But I'm also concerned not only with potential security problems but with the increasing use of tracking. Over time, chip cards could end up being used like cookies online, cellphones, or EasyPass on highways -- as a way to track people. |
#5
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OT - credit card upgrade question
On Thursday, April 9, 2015 at 9:44:07 PM UTC-4, Mayayana wrote:
| I wouldn't. Come this October, retailers will be responsible for any fradulent | transactions caused by use of the mag stripe on an EMV ("chip") card. Because | the retailers will not take on that risk, they will honer the flag encoded on | the mag stripe that indicates the card is an EMV card, which means you won't be | able to use it. That's possible. They are trying to switch over. If it happens I'll worry about it then. In the meantime, I have 4 cards and only one is (was) chipped. And not all of them are due to expire before October. It's also not clear to me exactly how that works. The October rule may make a merchant responsible if they don't have a chip reader. That's not the same thing as having a chip reader but the card having a dead chip. The chip cards in Europe are at least backed up by also requiring a PIN number. That's apparently not going to happen in the US. If I eventually have to accept the chip I'll keep the cards in a fold of aluminum flashing, which I already have in my wallet. I'm trying to phase out use of credit cards, anyway. But I'm also concerned not only with potential security problems but with the increasing use of tracking. Over time, chip cards could end up being used like cookies online, cellphones, or EasyPass on highways -- as a way to track people. L?0.ultimately the card issuers are on the hook for fradulent charges, so accept whatever they provide and smile its their problem |
#6
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OT - credit card upgrade question
On Thu, 9 Apr 2015 21:47:12 -0400, "Mayayana"
wrote: | I wouldn't. Come this October, retailers will be responsible for any fradulent | transactions caused by use of the mag stripe on an EMV ("chip") card. Because | the retailers will not take on that risk, they will honer the flag encoded on | the mag stripe that indicates the card is an EMV card, which means you won't be | able to use it. That's possible. They are trying to switch over. If it happens I'll worry about it then. In the meantime, I have 4 cards and only one is (was) chipped. And not all of them are due to expire before October. It's also not clear to me exactly how that works. The October rule may make a merchant responsible if they don't have a chip reader. That's not the same thing as having a chip reader but the card having a dead chip. The chip cards in Europe are at least backed up by also requiring a PIN number. That's apparently not going to happen in the US. If I eventually have to accept the chip I'll keep the cards in a fold of aluminum flashing, which I already have in my wallet. I'm trying to phase out use of credit cards, anyway. But I'm also concerned not only with potential security problems but with the increasing use of tracking. Over time, chip cards could end up being used like cookies online, cellphones, or EasyPass on highways -- as a way to track people. The chip cards in Canada are all chip-pin. If the US banks do any different they are more foolish than I even thought. They HAVE to be chip and pin to work with the Interac banking system. (world wide interbank system) |
#7
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OT - credit card upgrade question
On Thu, 9 Apr 2015 21:47:12 -0400, "Mayayana"
wrote: | I wouldn't. Come this October, retailers will be responsible for any fradulent | transactions caused by use of the mag stripe on an EMV ("chip") card. Because | the retailers will not take on that risk, they will honer the flag encoded on | the mag stripe that indicates the card is an EMV card, which means you won't be | able to use it. That's possible. They are trying to switch over. If it happens I'll worry about it then. In the meantime, I have 4 cards and only one is (was) chipped. And not all of them are due to expire before October. It's also not clear to me exactly how that works. The October rule may make a merchant responsible if they don't have a chip reader. That's not the same thing as having a chip reader but the card having a dead chip. The chip cards in Europe are at least backed up by also requiring a PIN number. That's apparently not going to happen in the US. If I eventually have to accept the chip I'll keep the cards in a fold of aluminum flashing, which I already have in my wallet. I'm trying to phase out use of credit cards, anyway. But I'm also concerned not only with potential security problems but with the increasing use of tracking. Over time, chip cards could end up being used like cookies online, cellphones, or EasyPass on highways -- as a way to track people. ALL chip cards have a PIN number - but foolishly some US banks (US Bank being one) are not implementing the PIN security on their cards and banking system. If you ask your bank to have the PIN enabled, your american bank cards will work world-wide in chip and pin terminals, and will still work, without the PIN, in USA |
#8
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OT - credit card upgrade question
"Mayayana" wrote:
That's possible. They are trying to switch over. If it happens I'll worry about it then. In the meantime, I have 4 cards and only one is (was) chipped. And not all of them are due to expire before October. Most banks will be issuing new EMV cards between now and October regardless of the current non-EMV card expiration date. It's also not clear to me exactly how that works. The October rule may make a merchant responsible if they don't have a chip reader. That's not the same thing as having a chip reader but the card having a dead chip. Yes, it is. When Walmart turned on their EMV card readers last year, they started by honoring the mag stripe flag for those cards that were EMV and rejected use of the EMV card mag stripe. Because people were not familiar with how an EMV card worked, they temporarily changed their terminals to allow either mag strip or EMV. Come October, that dual use will no longer be permitted by Walmart or any other retailer. If anyone could bypass the EMV protection by damaging the chip in an attempt to force use of the mag stripe, what would the point be of switching to EMV? The chip cards in Europe are at least backed up by also requiring a PIN number. That's apparently not going to happen in the US. EMV cards can be programmed for multiple verification types (Online PIN, Offline PIN, Signature or None - None being used for low value transactions like a fast food restuarant.) Some card issuers will not issue a PIN right away, but the card can be reprogrammed remotely at a later date. Other issuers will issue a PIN, but still leave the card programmed to prefer signature. Because US card users are so used to thinking PIN = Debit, Signature = Credit, most US card issuers have decided to initially program EMV cards as Signature. The only change to the user experience is that the card gets placed in a slot instead of swiped. Once people in the US are familiar with how PIN based verification for credit cards work, the cards will be reprogrammed to prefer PIN. If I eventually have to accept the chip I'll keep the cards in a fold of aluminum flashing, which I already have in my wallet. You are confusing EMV ("Chip") cards with RFID ("Radio") cards. They are not the same thing. Most RFID cards are also chip cards, but very few chip cards are RFID. But I'm also concerned not only with potential security problems but with the increasing use of tracking. Over time, chip cards could end up being used like cookies online, cellphones, or EasyPass on highways -- as a way to track people. The RFID chip in RFID cards can only be ready from a few inches away. It's the same chip and technology found in millions of employee badges around the world. If there was a problem with remote survelliance of RFID card holders, you would have heard about it already. But as I said - very few EMV cards have the RFID feature. |
#9
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OT - credit card upgrade question
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#10
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OT - credit card upgrade question
On 2015-04-10, Arthur Conan Doyle wrote:
I wouldn't. Come this October, retailers will be responsible for any fradulent transactions caused by use of the mag stripe on an EMV ("chip") card. I make all local purchases in cash and use a credit card only for online purchases which are not very frequent. Probably the next card they send me will have a chip and I'll definitely be looking to disable it. -- ----------------------------------------------------------------------------- Roger Blake (Change "invalid" to "com" for email. Google Groups killfiled.) NSA sedition and treason -- http://www.DeathToNSAthugs.com ----------------------------------------------------------------------------- |
#11
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OT - credit card upgrade question
On 4/9/2015 11:14 PM, Roger Blake wrote:
I make all local purchases in cash and use a credit card only for online purchases which are not very frequent. Probably the next card they send me will have a chip and I'll definitely be looking to disable it. And you render it useless if you ever do need it in a store. Dumb idea. |
#12
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OT - credit card upgrade question
| The chip cards in Canada are all chip-pin.
| If the US banks do any different they are more foolish than I even | thought. They HAVE to be chip and pin to work with the Interac banking | system. (world wide interbank system) From what I've read, US cards will be chip and signature or chip and no signature for small purchases. (We're Americans. We shouldn't have to remember numbers or interrupt our phone conversation to type on a dirty keypad. Signature is useless for security. My own signature written with a plastic pen on a touch- sensitive pad looks like a 2-year-old's drawing. I can't believe there's any check on that. It's probably only used so that I can't easily say I never made the purchase. Chip and PIN sounds like it might OK. On the other hand, why not stripe and PIN, to avoid contactless reading? It seems to me that the rush to achieve some fantasy of "space age" convenience and techno-pizzazz is resulting in a lot of dubious designs and decisions. Chips naturally bring in all the issues of non-secure communication, as is true of wi-fi computing: It's convenient, it's not generally *too* risky, but it simply can't be made as secure as direct wired computing. |
#13
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OT - credit card upgrade question
| The RFID chip in RFID cards can only be ready from a few inches away. It's
the | same chip and technology found in millions of employee badges around the world. | If there was a problem with remote survelliance of RFID card holders, you would | have heard about it already. | I'm incredulous that you could think that. First, you're contradicting your own point. Isn't the purpose of employee ID badges to track movements of employees and perhaps act as a security device? Having a chip read in proximity to a reader is exactly what we don't want. Did you ever see the map of the journalist who discovered his iPhone was keeping a record of all of his movements? Did you hear the one about the man who only discovered his teenage daughter was pregnant because Target started mailing coupons for baby gear? (Target had guessed she was pregnant based on her purchases.) How about the issue of cellphones being used to track people in malls? Why not EMV chips and RFID chips? I'm very concerned about privacy issues, yet even for me it's difficult to imagine what problems there could be. Increasingly, vast data is being combined with vast analytical capability. It's not farfetched that you might one day drive past a CVS and see an ad on your dashboard for a prescription drug sale, on all the drugs you and your family take, because CVS has a new, improved RFID chip reader and they picked up 3 RFID tags in your car, two of which are from Walgreen's (packaging from the shaver and clock you bought awhile back), and all of which identify you via your shopping history. If you shop at CVS you're already being sold out: http://www.theatlanticwire.com/techn...now-too/57183/ http://www.bloomberg.com/news/articl...drug-companies In this theoretical scenario the additional RFID reading of debris in your car allows all of the dots to be connected, and your daughter now starts seeing CVS ads for her birth control pills on her Facebook page. This is not at all farfetched. (See the links above.) But it is very difficult to grasp the extensiveness of the growing data linkage. I'm often surprised by the news that comes out. It's so Orwellian that we just don't expect it. And in general we *don't* hear about them. That's been a big complaint with intrusions into commercial databases. The companies don't want to go public because everyone wants to pretend that credit cards are secure. I think it's safe to say that if there are problems then the odds are I *will not* hear about it. | But as I said - very few EMV cards have the RFID feature. But both can be read without direct contact, right? So what does it matter in prctice? |
#14
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OT - credit card upgrade question
On 2015-04-10, Ed Pawlowski wrote:
And you render it useless if you ever do need it in a store. Dumb idea. I have not used a credit card in a store in over 30 years and don't plan to start any time soon. -- ----------------------------------------------------------------------------- Roger Blake (Change "invalid" to "com" for email. Google Groups killfiled.) NSA sedition and treason -- http://www.DeathToNSAthugs.com ----------------------------------------------------------------------------- |
#16
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OT - credit card upgrade question
On Fri, 10 Apr 2015 13:41:47 +0000 (UTC), Roger Blake
wrote: On 2015-04-10, Ed Pawlowski wrote: And you render it useless if you ever do need it in a store. Dumb idea. I have not used a credit card in a store in over 30 years and don't plan to start any time soon. Fine if you never stay at a hotel or rent a car. No reason to disable it anyway. |
#17
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OT - credit card upgrade question
On 4/10/2015 9:01 AM, Mayayana wrote:
In this theoretical scenario the additional RFID reading of debris in your car allows all of the dots to be connected, and your daughter now starts seeing CVS ads for her birth control pills on her Facebook page. This is not at all farfetched. (See the links above.) But it is very difficult to grasp the extensiveness of the growing data linkage. Actually, my face book page has been showing me ads for business cards printed online and shipped. Since I looked online a couple days ago. Not sure how FB found out. - .. Christopher A. Young learn more about Jesus .. www.lds.org .. .. |
#18
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OT - credit card upgrade question
Mayayana wrote:
Another convenient thing is software to check the chip, to make sure you killed it. I looked around and found that no one sells readers, but then I discovered there's a free Android app that can do it. A friend has an Android phone. I downloaded the free app and held the card under the phone to show the chip ID number. I then drilled out the card and checked again to make sure it was "dead". So now the merchant knows you have a tampered with card. Good luck buying high-ticket items with it. |
#19
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OT - credit card upgrade question
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#20
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OT - credit card upgrade question
Arthur Conan Doyle wrote:
If the card doesn't have a PIN (ie Signature only), or the card is programmed to check the PIN validity with the issuer (ie online PIN only) and the terminal is an offline device (ie some gas pumps or kiosks), the transaction is declined. I destroy the pins they send, they are only good for cash advances (now). |
#21
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OT - credit card upgrade question
Mayayana wrote:
Signature is useless for security. My own signature written with a plastic pen on a touch- sensitive pad looks like a 2-year-old's drawing. I can't believe there's any check on that. It's probably only used so that I can't easily say I never made the purchase. I have a couple I never even signed. I've never been questioned about it! |
#22
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OT - credit card upgrade question
"G. Morgan" wrote in message Arthur Conan Doyle wrote: If the card doesn't have a PIN (ie Signature only), or the card is programmed to check the PIN validity with the issuer (ie online PIN only) and the terminal is an offline device (ie some gas pumps or kiosks), the transaction is declined. I destroy the pins they send, they are only good for cash advances (now). Here's one way they can get the pin: http://www.dump.com/preventtheft/ |
#23
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OT - credit card upgrade question
G. Morgan wrote:
Arthur Conan Doyle wrote: If the card doesn't have a PIN (ie Signature only), or the card is programmed to check the PIN validity with the issuer (ie online PIN only) and the terminal is an offline device (ie some gas pumps or kiosks), the transaction is declined. I destroy the pins they send, they are only good for cash advances (now). PIN goes with chip. rarely chip is damaged and unable to read, then POS handheld unit requests to swipe the card, print out hard copy for signature and receipt for card holder. I never saw a card without chip has PIN. What is such a big deal? Canada as well as whole world has been using chip and PIN for many years already. Maybe because smart card(chip) is an European invention. In some things, U.S. is far behind...??? |
#24
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OT - credit card upgrade question
On Sat, 11 Apr 2015 20:25:36 -0600, Tony Hwang
wrote: G. Morgan wrote: Arthur Conan Doyle wrote: If the card doesn't have a PIN (ie Signature only), or the card is programmed to check the PIN validity with the issuer (ie online PIN only) and the terminal is an offline device (ie some gas pumps or kiosks), the transaction is declined. I destroy the pins they send, they are only good for cash advances (now). PIN goes with chip. rarely chip is damaged and unable to read, then POS handheld unit requests to swipe the card, print out hard copy for signature and receipt for card holder. I never saw a card without chip has PIN. What is such a big deal? Canada as well as whole world has been using chip and PIN for many years already. Maybe because smart card(chip) is an European invention. In some things, U.S. is far behind...??? Not so much that it is european - it's just "not made here" If a Yank didn't invent it, they don't want it. Add to that, anything "mandated" or that could possibly collect any data on the user is immediately suspect. |
#25
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OT - credit card upgrade question
| So now the merchant knows you have a tampered with card. Good luck
| buying high-ticket items with it. | High ticket items? Do you buy cars with credit cards? I don't. The card has a tiny hole. Most of the time the clerks don't even look at the card. If they do they're unlikely to see the hole. If they see it and ask I'll tell them. There's no reason for them to care, as long as the card swipes OK. In my last one I removed the chip. That was several years ago. I've yet to have any problems. I would bet that if you try to tell 10 clerks that you've removed an RFID chip from your credit card, 9 will say, "Have a good day, sir." If it's not required to do their job they won't care. Curiosity is not a common thing. |
#26
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OT - credit card upgrade question
On 4/11/2015 10:51 PM, Mayayana wrote:
The card has a tiny hole. Most of the time the clerks don't even look at the card. If they do they're unlikely to see the hole. If they see it and ask I'll tell them. There's no reason for them to care, as long as the card swipes OK. In my last one I removed the chip. That was several years ago. I've yet to have any problems. What is your plan for the future? At some point merchants may not have equipment to swipe? |
#27
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OT - credit card upgrade question
Tony Hwang wrote:
PIN goes with chip. rarely chip is damaged and unable to read, then POS handheld unit requests to swipe the card, print out hard copy for signature and receipt for card holder. I never saw a card without chip has PIN. What is such a big deal? Canada as well as whole world has been using chip and PIN for many years already. Maybe because smart card(chip) is an European invention. In some things, U.S. is far behind...??? There are only two other countries besides the US that don't use the metric system. We are also behind in high-speed broadband. In S. Korea 500Mib/s is common. I pay $56 (with tax included) for 75Mib/s (and I have yet to see it, speed tests usually come in about 50Mib/s). I don't see credit card chip & pin as being "behind" though. I've never had a problem disputing a charge. I don't want to remember a bunch of PINs. I have enough to remember! Besides, sometimes I lend my bank card to someone - I tell them to choose 'credit' rather than 'debit' so I don't have to give away the PIN. |
#28
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OT - credit card upgrade question
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#29
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OT - credit card upgrade question
Mayayana wrote:
High ticket items? Do you buy cars with credit cards? I don't. I was thinking about a $1500 TV, not so much a car! |
#31
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OT - credit card upgrade question
G. Morgan wrote:
wrote: Not so much that it is european - it's just "not made here" If a Yank didn't invent it, they don't want it. That's kinda true. I don't want a microprocessor or anything security related coming from China or Russia, for instance. Sure, they manufacture most of the laptops - but they don't make the chips like CPU's or TPM's. The manufacturing process is also watched closely by American companies that brand them. Oops.. I do run Kaspersky AV though! Your K. AV may have an embedded data collecting virus like what they did on hard drives....You know who is they... |
#32
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OT - credit card upgrade question
Mayayana wrote:
| The chip cards in Canada are all chip-pin. | If the US banks do any different they are more foolish than I even | thought. They HAVE to be chip and pin to work with the Interac banking | system. (world wide interbank system) From what I've read, US cards will be chip and signature or chip and no signature for small purchases. (We're Americans. We shouldn't have to remember numbers or interrupt our phone conversation to type on a dirty keypad. Signature is useless for security. My own signature written with a plastic pen on a touch- sensitive pad looks like a 2-year-old's drawing. I can't believe there's any check on that. It's probably only used so that I can't easily say I never made the purchase. Chip and PIN sounds like it might OK. On the other hand, why not stripe and PIN, to avoid contactless reading? It seems to me that the rush to achieve some fantasy of "space age" convenience and techno-pizzazz is resulting in a lot of dubious designs and decisions. Chips naturally bring in all the issues of non-secure communication, as is true of wi-fi computing: It's convenient, it's not generally *too* risky, but it simply can't be made as secure as direct wired computing. What's the worry, pretty soon as soon as baby is born s/he will have a smart chip implanted in his/her forehead maybe. Needs nothing to carry as an id. or banking or grocery shopping, lol! |
#33
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OT - credit card upgrade question
G. Morgan wrote:
Mayayana wrote: Signature is useless for security. My own signature written with a plastic pen on a touch- sensitive pad looks like a 2-year-old's drawing. I can't believe there's any check on that. It's probably only used so that I can't easily say I never made the purchase. I have a couple I never even signed. I've never been questioned about it! At our store we do some mail order processing. Then we print out hard copies entering CC no. but instead of sign. we mark it mail order and customer's phone no. |
#34
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OT - credit card upgrade question
Tony Hwang wrote:
G. Morgan wrote: wrote: Not so much that it is european - it's just "not made here" If a Yank didn't invent it, they don't want it. That's kinda true. I don't want a microprocessor or anything security related coming from China or Russia, for instance. Sure, they manufacture most of the laptops - but they don't make the chips like CPU's or TPM's. The manufacturing process is also watched closely by American companies that brand them. Oops.. I do run Kaspersky AV though! Your K. AV may have an embedded data collecting virus like what they did on hard drives....You know who is they... I know, but trust has to be placed somewhere - even if its not complete trust. Kaspersky has caught nasties before they could do any damage since I tend to click on some sites for research purposes that by their very nature have malware (not pr0n BTW). I'm usually careful enough to use a VM, but sometimes I forget or don't realize the potential for harm on a site before I visit or download something. If the En-essay wants something off my computer, they will get it. If not by technical means, then by intimidation by men in suits with a warrant. BTW... the 2nd phase technical audit for Truecrypt came out last week. Its safe cryptologically. |
#35
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OT - credit card upgrade question
G. Morgan wrote:
Tony Hwang wrote: G. Morgan wrote: wrote: Not so much that it is european - it's just "not made here" If a Yank didn't invent it, they don't want it. That's kinda true. I don't want a microprocessor or anything security related coming from China or Russia, for instance. Sure, they manufacture most of the laptops - but they don't make the chips like CPU's or TPM's. The manufacturing process is also watched closely by American companies that brand them. Oops.. I do run Kaspersky AV though! Your K. AV may have an embedded data collecting virus like what they did on hard drives....You know who is they... I know, but trust has to be placed somewhere - even if its not complete trust. Kaspersky has caught nasties before they could do any damage since I tend to click on some sites for research purposes that by their very nature have malware (not pr0n BTW). I'm usually careful enough to use a VM, but sometimes I forget or don't realize the potential for harm on a site before I visit or download something. If the En-essay wants something off my computer, they will get it. If not by technical means, then by intimidation by men in suits with a warrant. BTW... the 2nd phase technical audit for Truecrypt came out last week. Its safe cryptologically. My mere defense is UTM in front of my home network. First thing every morning I do is checking any sign of funnies or suspicion over night. From my working day experience, anything everything can be broken if enough time is taken. |
#36
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OT - credit card upgrade question
G. Morgan wrote:
I don't want a microprocessor or anything security related coming from China or Russia, for instance. Sure, they manufacture most of the laptops - but they don't make the chips like CPU's or TPM's. The manufacturing process is also watched closely by American companies that brand them. http://money.cnn.com/2015/02/19/tech...ovo-superfish/ |
#37
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OT - credit card upgrade question
| What is your plan for the future? At some point
| merchants may not have | equipment to swipe? Maybe not. My current plan is for now. I don't see why you feel so strongly in your defense of the changes. You've posted a flurry of adamant posts saying that people should accept the changes and not worry. I'm just saying that I'm dubious, I want to be careful, and I want to understand exactly what I'm dealing with. And based on what I know now I'm trying to protect my privacy/security. Doesn't that make sense? I find your approach is usually a symptom of ostrich thinking: People who don't want to deal with things get annoyed by people who do. Mention computer security/privacy and the ostriches immediately start making tinfoil hat jokes, because they don't want to be reminded of what they're trying hard to ignore. I've never subscribed to that strategy. If you put your head in the sand you're likely to get burned in the ass, or worse. Willful ignorance seems like the relaxing option, but in the end it's actually far more demanding and tiring work than simply relating to things in the first place. It's the pebble-in-the-shoe syndrome. We avoid a pebble in our shoe because it seems like a hassle to stop and take it out. Eventually we've got a sore foot and a pain in our hip joint. Finally we tear off our shoe, furiously mad at that pebble -- "I politely ignored you. How dare you keep pestering me?!" |
#38
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OT - credit card upgrade question
| High ticket items? Do you buy cars with credit
| cards? I don't. | | I was thinking about a $1500 TV, not so much a car! | You have rich tastes. If I had to pay $1,500 for a TV I'd settle for reading. If it weren't for Netflix I'm not sure I'd even bother. PBS has gradually degenerated into the British Soap Opera Channel. (With occasional breaks for Neil deGrasse Tyson to pass off carnival barking and special effects as science.) The networks seem to all be playing either a slick version of Community Auditions or one of the numerous sicko police shows like "Let's Hunt a Psycho Murderer" or "Let's Figure Out Exactly How The Psycho Murderer Tortured His Victims" or "Catching a Psycho Murderer by Studying Worms in Corpses". (What is it with this perverse, gruesome obsession?) When I'm so tired that I'll watch almost anything, I find myself switching back and forth between old Cary Grant or John Wayne movies and ads for transvaginal mesh lawsuits. .... I seem to remember there used to actually be thoughtful shows on TV, but I can't seem to find them anymore. But all that aside, I sometimes do spend upward of $1,000 at HD or lumber yards. I regularly spend several hundred dollars at a time. I can't remember the last time that I even had to show my card. I just swipe, scribble gibberish on the plastic screen, and I'm on my way. My impression is that both the merchants and the credit card companies are generally happy with the status quo. The credit card companies are making a bundle through 2% cuts and loansharking scams. They're apparently also losing a lot through theft, but I'm guessing that's pocket change for them. If it weren't they would have done something about it. |
#39
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OT - credit card upgrade question
On 4/12/2015 8:54 AM, Mayayana wrote:
I don't see why you feel so strongly in your defense of the changes. You've posted a flurry of adamant posts saying that people should accept the changes and not worry. I'm just saying that I'm dubious, I want to be careful, and I want to understand exactly what I'm dealing with. And based on what I know now I'm trying to protect my privacy/security. Doesn't that make sense? Knowing what you are dealing with makes perfect sense. That is why I think it is silly to destroy a security measure that will do you no harm. Like you, I did a little research and I now know the difference between an RFID and EMV chip.I also know I have no liability so I'm not worried. I find your approach is usually a symptom of ostrich thinking: People who don't want to deal with things get annoyed by people who do. That is where you are wrong here. Your premise may have value, but I did bother and educated myself and I'm confident it is better than the old swipe card. Willful ignorance seems like the relaxing option, but in the end it's actually far more demanding and tiring work than simply relating to things in the first place. Yes, that is why I did some research. Eliminates the ignorance. It's the pebble-in-the-shoe syndrome. We avoid a pebble in our shoe because it seems like a hassle to stop and take it out. Eventually we've got a sore foot and a pain in our hip joint. Finally we tear off our shoe, furiously mad at that pebble -- "I politely ignored you. How dare you keep pestering me?!" So we should adjust our tinfoil hats and move along. |
#40
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OT - credit card upgrade question
On 4/12/2015 9:25 AM, Ed Pawlowski wrote:
On 4/12/2015 8:54 AM, Mayayana wrote: I don't see why you feel so strongly in your defense of the changes. You've posted a flurry of adamant posts saying that people should accept the changes and not worry. I'm just saying that I'm dubious, I want to be careful, and I want to understand exactly what I'm dealing with. And based on what I know now I'm trying to protect my privacy/security. Doesn't that make sense? Knowing what you are dealing with makes perfect sense. That is why I think it is silly to destroy a security measure that will do you no harm. Like you, I did a little research and I now know the difference between an RFID and EMV chip.I also know I have no liability so I'm not worried. I find your approach is usually a symptom of ostrich thinking: People who don't want to deal with things get annoyed by people who do. That is where you are wrong here. Your premise may have value, but I did bother and educated myself and I'm confident it is better than the old swipe card. Willful ignorance seems like the relaxing option, but in the end it's actually far more demanding and tiring work than simply relating to things in the first place. Yes, that is why I did some research. Eliminates the ignorance. It's the pebble-in-the-shoe syndrome. We avoid a pebble in our shoe because it seems like a hassle to stop and take it out. Eventually we've got a sore foot and a pain in our hip joint. Finally we tear off our shoe, furiously mad at that pebble -- "I politely ignored you. How dare you keep pestering me?!" So we should adjust our tinfoil hats and move along. In Canada we have had the chips for several years, now almost all the POS machines will prompt you to insert the chip even if you try to swipe it. Destroying the chip will effectively render the card useless. |
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