Paying for parking with card, no pin reqd ???

[Mark34bn]

Went shopping yesterday, parked in the new(ish) mall in Plymouth. It's the type of car park where you pay & validate your ticket when you leave. My question is how can these machines take a payment from the card when you don't enter the number? Seems pointless having security measures when they can apparently be bypassed. Good for card thieves on a day's shopping eh?

[Doofus]

I guess you've never bought anything online or over the phone...

[Hedders]

You will also be on CCTV, and your license plate will be tied to the use of that card.

Still, it does make you wonder.

[Hedders]

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

[The Moose]

Do you use your pin when you shop online? Or do you see this as a bit risky??

Just use a credit card and jobs a good un!

Seriously though, what is it you're concerned about?? Someone else getting your details? If anything I imagine it would be even worse if you had to enter your pin!

Cheers

The Moose

[Doofus]

Hedders said:

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

Yes, but that's one the back of the card, so is still a problem in the OP's crime-ridden world.

[Mark34bn]

I was just surprised that the PIN wasn't reqd and how easy it would be to use someone elses card. I have bought online and no I didn't use the PIN so.... I'll leave it there!

[The Moose]

Hedders said:

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

What security code is this? The 3 digits on the back? The one that's as visible as your card number? Or 3D secure - optional waste of time load of wk??

Cheers

The Moose

[Hedders]

The Moose said:

Hedders said:

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

What security code is this? The 3 digits on the back? The one that's as visible as your card number? Or 3D secure - optional waste of time load of wk??

Cheers

The Moose

Good point, WTF is that number for??

[The Moose]

Hedders said:

The Moose said:

Hedders said:

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

What security code is this? The 3 digits on the back? The one that's as visible as your card number? Or 3D secure - optional waste of time load of wk??

Cheers

The Moose

Good point, WTF is that number for??

I've wondered this a lot...especially as I've been doing a load of credit card integration into websites and can't really see the point.

The only possibility is if you derive those 3 digits from the 16 (usually!) digit card number? A bit like a check digit if you will. Other than that, no clue!!

Cheers

The Moose

[Hedders]

A few years back, my bank offered me a photo credit card (my photo on the back). I thought this was a fantastic idea so i jumped at the chance. For the next two years i hade a credit card that obviously mine, and nobody elses. It worked really well and everyone that saw it thought it was a great idea.

The bank then withdrew them.

It is almost like they want credit card fraud to happen.

[Merlot]

Mark34bn said:

Went shopping yesterday, parked in the new(ish) mall in Plymouth. It's the type of car park where you pay & validate your ticket when you leave. My question is how can these machines take a payment from the card when you don't enter the number? Seems pointless having security measures when they can apparently be bypassed. Good for card thieves on a day's shopping eh?

Same for tollbooths in Europe etc

[The Moose]

Hedders said:

A few years back, my bank offered me a photo credit card (my photo on the back). I thought this was a fantastic idea so i jumped at the chance. For the next two years i hade a credit card that obviously mine, and nobody elses. It worked really well and everyone that saw it thought it was a great idea.

The bank then withdrew them.

It is almost like they want credit card fraud to happen.

To be honest - it doesn't effect them one bit - if a fraudulent transaction - the merchant suffers at the end of the day.

I didn't realise quite how bad it was until I started selling online. The first time we got something fraudulent, I called my payment processor who said they didn't give a st. Called visa. Also didn't give a st. Complete joke.

In the US apparently you can request your card to say something along the lines of "only accept this card with photo id". Obviously out there you basically have to carry photo id anyway.

I though it should be chip and finger print but hey!!

Cheers

The Moose

[Silver Smudger]

The Moose said:

Hedders said:

The Moose said:

Hedders said:

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

What security code is this? The 3 digits on the back? The one that's as visible as your card number?

Good point, WTF is that number for?

I've wondered this a lot...especially as I've been doing a load of credit card integration into websites and can't really see the point.
The only possibility is if you derive those 3 digits from the 16 (usually!) digit card number? A bit like a check digit if you will. Other than that, no clue!!
Cheers
The Moose

The security code changes with each issue of the card, so it guarantees that you have the current one.

If you stole my card, I would get a replacement from the bank. You would then still have the valid 16-digit number (and maybe the exp date) but only I would have the current 3-digit code.

[Doofus]

Silver Smudger said:

The security code changes with each issue of the card, so it guarantees that you have the current one.

If you stole my card, I would get a replacement from the bank. You would then still have the valid 16-digit number (and maybe the exp date) but only I would have the current 3-digit code.

I'm not convinced by this. Don't get me fking started on what a bunch of numbskull fkwits the morons at Barclaycard are, but when I got my new card, it had a different sixteen digit number

[The Moose]

Silver Smudger said:

The Moose said:

Hedders said:

The Moose said:

Hedders said:

Doofus said:

I guess you've never bought anything online or over the phone...

You have to give your security code when you do that.

What security code is this? The 3 digits on the back? The one that's as visible as your card number?

Good point, WTF is that number for?

I've wondered this a lot...especially as I've been doing a load of credit card integration into websites and can't really see the point.
The only possibility is if you derive those 3 digits from the 16 (usually!) digit card number? A bit like a check digit if you will. Other than that, no clue!!
Cheers
The Moose

The security code changes with each issue of the card, so it guarantees that you have the current one.

If you stole my card, I would get a replacement from the bank. You would then still have the valid 16-digit number (and maybe the exp date) but only I would have the current 3-digit code.

Isn't that the issue number?!

I get a new 16 digit card number each time anyway.

Cheers

The Moose

[Hedders]

So do I. I 'lose' my cards on a regular basis too, just so i have new numbers all the time!

[gazchap]

The three digit number (called CVV2) is a number that is not stored on the card anywhere except where it's printed on the back. It's not in the magnetic stripe (unlike the card number, expiry date and PIN) and isn't calculated from any of those numbers.

The idea is that you get asked for that number to prove that you are currently in possession of the card.

If you put your card in an ATM, for example, and some ne'er-do-wells have put a skimmer on the machine to clone cards as they pass through, they'll get all the info but they won't get the CVV2 number.

[stemll]

gazchap said:

The three digit number (called CVV2) is a number that is not stored on the card anywhere except where it's printed on the back. It's not in the magnetic stripe (unlike the card number, expiry date and PIN) and isn't calculated from any of those numbers.

The idea is that you get asked for that number to prove that you are currently in possession of the card.

If you put your card in an ATM, for example, and some ne'er-do-wells have put a skimmer on the machine to clone cards as they pass through, they'll get all the info but they won't get the CVV2 number.

Was debated to death on here months ago but the PIN is not stored on the card. As for a vendor requesting the PIN, it is entirely up to them but if they don't the fraud risk is theirs.

[TheLurker]

stemll said:

gazchap said:

The three digit number (called CVV2) is a number that is not stored on the card anywhere except where it's printed on the back. It's not in the magnetic stripe (unlike the card number, expiry date and PIN) and isn't calculated from any of those numbers.

The idea is that you get asked for that number to prove that you are currently in possession of the card.

If you put your card in an ATM, for example, and some ne'er-do-wells have put a skimmer on the machine to clone cards as they pass through, they'll get all the info but they won't get the CVV2 number.

Was debated to death on here months ago but the PIN is not stored on the card. As for a vendor requesting the PIN, it is entirely up to them but if they don't the fraud risk is theirs.

Is there a link to that thread?