Re: zfc and Orpheus

In message <4de1f0a5c7see.sig@xxxxxxxxxxxxxxxxxxxxxxxx>
Russell Hafter News <see.sig@xxxxxxxxxxxxxxxxxxxxxxxx>
wrote:

> In article <4de1eb1dd6JohnD@xxxxxxxxxxxxxxxxxxxxx>, John
> Devine <JohnD@xxxxxxxxxxxxxxxxxxxxx> wrote:
>
>> > > Easiest method is to refuse to use chip and pin
>> > > cards. I can honestly say that I've *never* used chip
>> > > and pin yet, and won't. I'll either pay by cheque,
>> > > cash or one of the more prestigious cards which have
>> > > wised up to how insecure CnP is, and are not
>> > > implementing them.

[snip]

>> From 14th February, you will only be able to use C&P as
>> most C&P equipped retailers will not accept a signature.
>
> Will not be *able* to accept a signature. Software uploaded
> to the terminal prevents retailers not accepting a PIN.

This is not strictly correct. If you have a chip and pin card you have
to use it. But you can still get a chip and signature card from *all*
the UK bank and credit card issuers - they don't like but legally have
no choice in the matter especially if you are disabled or have
difficult in remembering numbers (a memory related illness). They can
apparently request confirmation of this problem or disability.

The real problem for the retailers is that the banks and UK card
companies have changed the rules for them. Fraud protection will now
only apply to chip and pin transactions and not chip and signature
where it will now be the retailers responsibility to cover any loss. A
form of blackmail !!

The chip and signature also have to be accepted in the UK because
countries like the USA for example do not have Chip and Pin cards
(although they can be used at ATM's as normal) and are unlikely too
for some time I am told.

>> This is obviously completely barmy as a picture or
>> signature is far more secure that a 4-digit decimal
>> number. Am I right in thinking this is 13-bit security
>> rather than the 128-bit we use on the Internet?
>
> [1] I first had a card with a picture on it in the USA in
> 1974. I had to go to the bank and they took my picture with
> a polaroid, then laminated it onto the card. This died when
> magnetic strips started to come in later in the 1970s.

Seems to be coming back in again - a kind of ID card I suppose.

[snip]


--
Chris Hughes

.

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