{"id":128198,"date":"2015-10-01T08:46:00","date_gmt":"2015-10-01T14:46:00","guid":{"rendered":"http:\/\/hill-kleerup.org\/blog\/2015\/10\/01\/making-over-the-credit-card-tech-landscape-one-painful-inch-at-a-time.html"},"modified":"2015-11-16T09:41:31","modified_gmt":"2015-11-16T16:41:31","slug":"making-over-the-credit-card-tech-landscape-one-painful-inch-at-a-time","status":"publish","type":"post","link":"https:\/\/hill-kleerup.org\/blog\/2015\/10\/01\/making-over-the-credit-card-tech-landscape-one-painful-inch-at-a-time.html","title":{"rendered":"Making over the credit card tech landscape, one painful inch at a time"},"content":{"rendered":"

While the rest of the world has long been on a Chip-and-PIN credit card system — much more effective at preventing fraud than magstripes and signatures — the US has had be drawn kicking and screaming to it.<\/p>\n

Today is supposedly the deadline day for US retailers to accept new chip-based credit cards or else face liability for credit card fraud — but card manufacturers have been slow in distributing them, retailers have had problems getting the equipment (or even learning they need to), and the whole effort is looking exceedingly half-assed.<\/p>\n

And even once chips are accepted, retailers will still be using signatures because the American public cannot reliably remember 4-digit numbers (except for debit cards, oddly enough, and ATM cards, and a dozen different others).<\/p>\n

We'll see how it goes.<\/p><\/blockquote>\n

\n
\n
\n<\/a>
\nToday, all stores in the US should accept chip-and-PIN cards. Yeah, right.<\/a><\/span>
\nLiability shift is beginning of a very protracted end for magnetic stripe cards.\n<\/p><\/blockquote>\n

View on Google+<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

While the rest of the world has long been on a Chip-and-PIN credit card system — much more effective at preventing fraud than magstripes and signatures — the US has had be drawn kicking and screaming to it. Today is supposedly the deadline day for US retailers to accept new chip-based credit cards or else … Continue reading “Making over the credit card tech landscape, one painful inch at a time”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[106,35,20],"tags":[],"class_list":["post-128198","post","type-post","status-publish","format-standard","hentry","category-plusposts","category-big-business","category-hi-tech"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":130886,"url":"https:\/\/hill-kleerup.org\/blog\/2016\/06\/16\/home-depot-sues-over-chip-without-pin-card-restrictions.html","url_meta":{"origin":128198,"position":0},"title":"Home Depot sues over Chip-without-PIN card restrictions","author":"***Dave","date":"Thu 16-Jun-16 3:56pm","format":false,"excerpt":"Home Depot has filed a law suit arguing that MasterCard and Visa have \"colluded\" to prevent use of PIN numbers on credit card transactions in the US. It says that the less-secure lack of PINs reaps more transaction fees for the credit card companies, and contractual terms that both card\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":135100,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/10\/20\/mastercard-transactions-will-no-longer-require-signature.html","url_meta":{"origin":128198,"position":1},"title":"MasterCard transactions will no longer require a signature","author":"***Dave","date":"Fri 20-Oct-17 8:08am","format":false,"excerpt":"MC has apparently given up on signatures as an identifying requirement on transactions, as of April 2018. Given that most people's signatures are scrawls, few merchants actually compare the written signature to the sig field on the back of the card, and because an increasing number of transactions are online\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2017\/10\/MasterCard.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":131414,"url":"https:\/\/hill-kleerup.org\/blog\/2016\/09\/02\/consumer-gripes-about-chip-based-credit-cards.html","url_meta":{"origin":128198,"position":2},"title":"Consumer gripes about chip-based credit cards","author":"***Dave","date":"Fri 2-Sep-16 5:41pm","format":false,"excerpt":"I think the problem is not so much that it takes significantly longer, but that it takes more attention. When I swipe a magstrip card, I can put it away right then while the transaction is processing. When I insert a chip card, I have to sit there and watch\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":41420,"url":"https:\/\/hill-kleerup.org\/blog\/2014\/03\/13\/chip-vs-swipe.html","url_meta":{"origin":128198,"position":3},"title":"Chip vs Swipe","author":"***Dave","date":"Thu 13-Mar-14 2:54pm","format":false,"excerpt":"When I traveled on business to Scotland last year, I had an unexpected problem -- a lot of the places I ate at were unready for a credit card that required swiping.\u00a0They were able to handle it, but it was clearly unusual for them. That seems to be because Europe,\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":33355,"url":"https:\/\/hill-kleerup.org\/blog\/2013\/04\/26\/credit-cards-and-plastic-bags.html","url_meta":{"origin":128198,"position":4},"title":"Credit cards and plastic bags","author":"***Dave","date":"Fri 26-Apr-13 6:50pm","format":false,"excerpt":"I had a very buggy end-of-life credit card what worked on about half the readers out there, but that I didn't want to get replaced because it had just a few months before a new one would get sent (and I was afraid if I complained, they'd change my fricking\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":25,"url":"https:\/\/hill-kleerup.org\/blog\/2003\/07\/10\/signs_of_the_ti.html","url_meta":{"origin":128198,"position":5},"title":"Signs of the times","author":"***Dave","date":"Thu 10-Jul-03 9:32pm","format":false,"excerpt":"As someone was once told, \"You have the most pompous signature I've ever seen,\" and who struggles to fit it inside of those microscopic signature strips on the back of...","rel":"","context":"In "Potpourri"","block_context":{"text":"Potpourri","link":"https:\/\/hill-kleerup.org\/blog\/category\/potpourri"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/128198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/comments?post=128198"}],"version-history":[{"count":1,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/128198\/revisions"}],"predecessor-version":[{"id":128869,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/128198\/revisions\/128869"}],"wp:attachment":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/media?parent=128198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/categories?post=128198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/tags?post=128198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}