July 19th, 2004


userinfo senji
2004/07/19 14:13:00 - ChipAndPin
Got back from Durham to find a nice letter from my bank (the HSBC) to say that they'd soon be sending me a nice new ChipAndPin card. I don't want a ChipAndPin card; I'd much rather stay with my existing one thankyou.

Oh, well. I guess that just means that I'll have to increase their ATM costs by paying for more stuff in cash...

Toothywiki ChipAndPin page is here: http://www.toothycat.net/wiki/wiki.pl?ChipAndPin for people who haven't been following this argument....
Current Mood: [mood icon] irritated

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userinfo vyvyan
[userpic]
2004/07/19 06:35:09
Lloyds sent me a letter a while ago saying they would be replacing my cashpoint card when it expired with a chip and pin card. However, they enclosed a form and SAE with which I could specifically request another cashpoint-only card instead, and I did this. They have now sent me a new cashpoint card. Do HSBC not give you the option of requesting another cashpoint card instead?
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userinfo senji
2004/07/19 06:40:54
No, although it would be rather irritating not to have a debit card on the account.

I expect I'll end up occasionally using it as a debit card, but not planning on doing so.
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userinfo emperor
[userpic]
2004/07/19 06:44:05
Mine doesnt' expire 'til 2005, so I'm safe for a while yet.

I'm honestly not convinced its worse than the current system beyond the perception of being better, IYSWIM.
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userinfo senji
[userpic]
2004/07/19 06:49:38
Mine doesnt' expire 'til 2005, so I'm safe for a while yet.

Neither does mine...

I'm honestly not convinced its worse than the current system beyond the perception of being better, IYSWIM.

I'm entirely not convinced that I want to be entering my PIN into third-party owned & operated hardware in insecure (and not necessarily securable) locations. Also, I don't like the shift in responsibility inherrent in the system...
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userinfo emperor
[userpic]
2004/07/19 07:02:57
This process is no worse than handing someone your card in a restaurant, except that the PIN is seen as much more secure than a signature :(
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userinfo senji
[userpic]
2004/07/19 07:06:06
Except that you can't use my signature to extract cash from a bank without leaving a paper trail with I can easily repudiate (namely a forged cheque).

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userinfo mobbsy
[userpic]
2004/07/19 07:10:28
That's pretty much my impression too.

Rather than rehashing all the arguments, I've read the case against chip-and-pin, acknowledge that the solution isn't perfect, but believe that over all it's better than the current situation.
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userinfo enismirdal
[userpic]
2004/07/19 07:16:19
I actually kind of want one, for the simple reason that when required to write my signature in a public place, my hand refuses to co-operate, my muscles rebel, and it ends up looking nothing like my real signature.
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userinfo senji
[userpic]
2004/07/19 07:17:30
Almost noone ever actually checks those signatures; but that's another rant... :)
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userinfo sphyg
[userpic]
2004/07/19 07:32:17
I'd say mine gets checked about fifty percent of the time. Maybe I just look dodgy ;P Actually, one time I was asked to repeat my signature.
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userinfo senji
[userpic]
2004/07/19 07:33:36
I managed to go for an estimated couple of weeks with no signature on the back of my credit-card before the man at the Jug and Firkin noticed...
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userinfo lockymclean
[userpic]
2004/07/19 12:25:17
I'd much prefer a FishAndChip card :-)

Well you won't have to worry about PINs at Daily Bread for a bit: we have a reader but it doesn't work yet. However, if we try to unplug it, the whole card machine ceases to operate. Humm...
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userinfo senji
[userpic]
2004/08/24 02:59:52
I like the idea of a FishAndChip card. So long as they come in SausageAndChip too :).

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ChipAndPin - Squaring the circle...

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