The Chip - The Credit Card Chip

[barney]

I don't really care if they want to know what i'm buying. I don't buy a whole lot of stuff anyway and I don't see why that would be a threat. But it's the fact that they're demanding to know. What for?

But don't they know what you're buying using the old system anyway? The primary purpose of smart cards is the increased security, not tracking (that is already done when you connect to the server).

AFAIK any increase in the recording aspect of it would help them to detect purchase patter deviations more quickly (i.e. if someone else is using your card) and thus allow them to lock your card before too much was lost.

Of course the prime benefits will always be theirs but in this case (rare though it may be) you also benefit.

 

[Dexter Sinister]

Anybody's who's just getting concerned about this is about 30 years too late. I've had credit cards for over 30 years, and it was perfectly obvious even that long ago that if the credit card company kept records of all my transactions they could spot patterns in my purchases and target advertising to me and deduce various things that are likely to be true about me. They could see, for instance, that I like books about a particular range of subjects, that I buy some types of food products and not others, that I buy certain kinds of music and not others, that I like electronic toys of various kinds, and so on. If you want the convenience of plastic money--and just try to make a hotel reservation without a credit card--that's the price: the businesses you deal with might be able to figure out things about you that maybe you don't want them to know. And that also, I must add, might not be true. Not everything I buy is for me.

But it'll be a frosty day in Hell before I'll let anyone implant an RFID chip in me.

 

[CanadianLove]

I don't think anyone has to really worry until they want us to directly link our payroll and taxes to the credit cards. That will be in the next recession. 2012.

 

[SirJosephPorter]

they could spot patterns in my purchases and target advertising to me and deduce various things that are likely to be true about me. They could see, for instance, that I like books about a particular range of subjects, that I buy some types of food products and not others, that I buy certain kinds of music and not others, that I like electronic toys of various kinds, and so on.

Dexter, I am not sure that it is such a bad thing. I for one like it when they sometimes contact me with information abut a music DVD, or opera DVD that I may be interested in. Occasionally I have even bought the product they were plugging.

So why is that such a bad thing?

 

[CanadianLove]

they could spot patterns in my purchases and target advertising to me and deduce various things that are likely to be true about me. They could see, for instance, that I like books about a particular range of subjects, that I buy some types of food products and not others, that I buy certain kinds of music and not others, that I like electronic toys of various kinds, and so on.

Dexter, I am not sure that it is such a bad thing. I for one like it when they sometimes contact me with information abut a music DVD, or opera DVD that I may be interested in. Occasionally I have even bought the product they were plugging.

So why is that such a bad thing?

The big question is "Why do you really, want what you want?" Wooo-oooo-oooo

 

[JLM]

I'm not sure if this has been discussed yet but how do you people here at Canadian Content feel about everybody having to have chips in their credit cards?

I'm of two minds, but I guess the prominent one wants security, the other one says dealing in cash in most instances makes more sense and the way the economy is going perhaps fewer people will have to worry about it when they default on their payments and have to turn the card in.

 

[FUBAR]

Not just credit cards either. Every e-mail and web site visited is going to be kept for a year. You can be followed with your mobile phone as you wander around, everything you buy is known and what you do or look at on the net is kept, who needs to be paranoid anyway--THEY really are after us all.........

 

[Dexter Sinister]

Dexter, I am not sure that it is such a bad thing.

Neither am I, really, they won't know anything about me that a lot of other people don't already know, like my tastes in books and food and music and hi-tech toys and so on, and if it saves me from being targeted by ads for stuff I have no interest in, I can't see that as a bad thing. But at some point they might cross the line into a serious invasion of privacy, and that I'd strenuously object to.

 

[DaSleeper]

Just about all of my purchases are done with debit card....so it's already known everything I buy.....:smile:
The only time I carry cash is when I travel....and then it's just enough for a tank full of gas in case the debit machine should happen to be on the blink at that particular gas station.......

 

[Unforgiven]

Well the nice thing about the chip is that it makes it so much easier for those drones to lock in and kill the targeted person when they have a homing device stuck on their butt. :lol:

But this is not a conspiracy. 8O

 

[Zzarchov]

I should point out, a chip isn't making it easier to keep records of your spending.

Your credit card companies don't just blindly pay out money to anyone who says you swiped their card. Records of what you bought and when are already kept and have been since day 1 of credit cards.

They aren't based off of an honour system you know.

 

[barney]

Well the nice thing about the chip is that it makes it so much easier for those drones to lock in and kill the targeted person when they have a homing device stuck on their butt.

Kinda defeats the chip implant idea since people practically sleep with their cell phones and drones/drop bombs seem to target them just fine.

 

[Spade]

My secret weapon against drones.

 

[barney]

That's right, hide behind women when other guys send their flying toys to bomb you.

 

[VanIsle]

My secret weapon against drones.

Odd. My husband has the same secret weapon. I keep his credit card. Not all credit card companies have the chip yet. Master card either doesn't have it or - they have not changed everyone's cards. The other problem with the chip is you have to "swipe" your card and they can be horrible to swipe, just like debit cards are. With the rare exception of a power outage, we never manually swipe a card. (Take an imprint like was done years ago). I have been off work for a month and return tomorrow. Since I have been gone, 6 self serve tills have been installed. When I went on "leave" our POS was not requiring pin numbers for credit cards but they might be now. I guess I will get an idea tomorrow. I cannot go back on the till yet until my doc says so. It is a pain to have to get people to sign a transaction slip all the time because you would be amazed at how many people use their credit card for groceries. Debit cards are used more frequently and sometimes they just won't swipe. People become un-neccessarily upset stating that they just used it at another store and it worked fine there. Maybe that store was the moment it died. Who knows. I know that for my own card, it won't swipe at Wal-Mart for example, unless I swipe it. Even then it doesn't always work. I have to have back-up with me just in case. It's a store I love to hate so I rarely go there anyway. Swiping your cards means they will have to be replaced more frequently. I still don't understand why I can scan a points card but not a credit or debit card. Obviously the technology is there but needs to be refined. Would cost a lot less money and aggravation of non-working cards as long as it's a card that has a chip for your pin. I hope that when I go back they have changed the POS to receive the cards with chips. It's not that people could not use their cards - they just had to sign as usual. People frequently put SEE MY ID on the back of their credit cards. Visa put out a notice that we were not to accept cards with this. I did not turn people away because the same customers come in all the time and you get to know them. I just advised them to use something like nail polish remover and get the words off their card.
An aside to SirJoseph: Maybe now you will start to use a debit card. There is no difference anymore. The States does us one better. They can use their card (only in their country) as either a debit or credit transaction. In Canada, they must use it as a credit card.

 

[Spade]

"Self serve tills" are the "great unemployers"! IP, start a thread, please!
PS to "barney"
Yep, "Women first," I always say!

 

[Cliffy]

"Self serve tills" are the "great unemployers"! IP, start a thread, please!
PS to "barney"
Yep, "Women first," I always say!

Isn't that why men take women into the bush with them? Because they run slower, in case a bear attacks?

 

[Spade]

When we're in the tent, I always have my wife sleep against the canvas!

 

[SirJosephPorter]

Since I have been gone, 6 self serve tills have been installed. . …It is a pain to have to get people to sign a transaction slip all the time because you would be amazed at how many people use their credit card for groceries.

Islandpacific, when you use the self check out, there is no slip to sign. You have to sign on an electronic pad, and you don’t get a credit card slip. The receipt you get for groceries is your receipt; there is no credit card slip.

Also, with new Pay Pass (my MasterCard has Pay Pass), you don’t even need to sign, you simply tap your card on the Pay Pass and the transaction goes through. You don’t need a pin number, you don’t need to sign. Of course, the flip side is that if you lose the card, others can easily use it.

My Aerogold Visa has a chip (they sent it to me a few months ago) and a pin code, but in most of the places they simply swipe it, same as the old card. I think at one or two places I have had to enter the pin code, but mostly they just swipe it. I assume it will change as more stores install the new machine requiring the pin code.

Swiping your cards means they will have to be replaced more frequently.

Here you are right. I mostly use my Aerogold Visa, since it gives me one (sometimes one and a half) air miles for each dollar I spend. My last card quit halfway in its lifetime and I asked them to send me another. Which they did, promptly (with the same expiration date as before).

 

[VanIsle]

When were in the tent, I always have my wife sleep against the canvas!

And it's why we own an RV!! Iggy says that's not camping. As I shower in the morning and brush my teeth over a sink and then go into my kitchen and pour the coffee one of us has made, and walk out into the fresh morning air I rejoice in the fact that if it's raining - I don't care!:lol: If it's raining lightly I can sit at the table set under the awning and if it's pouring, we roll up the awning and we sit in our dry RV and play a few hands of crib. If it's cold - we turn on the furnace. What more could we ask for!!! We do not come home wet and miserable. By the way - hubby sets up the RV. He usually does that while I am working if we are not going far and then he comes into town and picks me up and off we go. Men first in this instance. :happy1: