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Rob Spiegel
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Re: Why have "cards" at all?
Rob Spiegel   7/5/2012 1:39:35 PM
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Most people are are the oppositve, Jon, carrying less cash and taking care of purchases with credit cards or debit cards.

Jon Titus
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Re: Why have "cards" at all?
Jon Titus   7/4/2012 11:10:54 PM
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These days I carry cash and use credit cards infrequently.  I can get a receipt if I need one.

Jon Titus
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Re: Why have "cards" at all?
Jon Titus   7/4/2012 11:08:49 PM
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No need to implant a chip--we all have a fingerprint.  Several years ago I asked a technology expert at fingerprint-sensor manufacturer why credit-card companies didn't use a finger scanner at checkouts and point-of-sale terminals. He answered that it would cost more to install them and maintain the databases than to have enough reserve cash to cover fraud. So I guess we must continue to use PINs for a while longer.

TJ McDermott
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Re: Why have "cards" at all?
TJ McDermott   7/4/2012 7:56:34 PM
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Let's go whole-hog - have an RFID chip implanted subcutaneously.  We already do it for our pets; such a chip can be your PIN, and absolute proof of identity.

Rob Spiegel
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Re: Why have "cards" at all?
Rob Spiegel   4/9/2012 11:58:44 AM
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Not sure how that works with glasses, Jack. I still think the use of the PIN is very safe and very simple. I'm not convinced that other forms of recognition really improve much on that.

Jack Rupert, PE
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Re: Why have "cards" at all?
Jack Rupert, PE   4/8/2012 5:02:04 PM
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Great article Sylvie!

John:  I like your idea of the thumb print for ease of use.  However, I wonder how the cost would compare to get something that is cheap enough to be installed all over the place, but safe enough to prevent somebody from lifting a finger print and using some simple techniques to transfer it onto something stuck on a perpetrator's finger.  The 16-year-old minding the cash register probably won't be paying that close attention.

Rob: Any idea of how those eye scanner would work with those of use with glasses - especially with "more robust" perscriptions?  At first look, I'm not a fan of anything but medical equipment shining in my eyes.

Rob Spiegel
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Blogger
Re: Why have "cards" at all?
Rob Spiegel   4/6/2012 2:05:57 PM
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Good point, Jon. Actually, eye recognition may be easier ultimately than fingerprints. Yet I still think the current system with a PIN is very efficient. I'm not convinved a new system can improve on the current system to a degree that warrants a massive switch in technology. Paying at the register current takes just a few seconds. Do we need to trim if from 18 seconds to 12 seconds?

janeee
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Iron
Article
janeee   4/6/2012 2:14:24 AM
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I found it extremely informative.

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Jon Titus
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Why have "cards" at all?
Jon Titus   4/5/2012 5:51:55 PM
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Why can't I just go up to the checkout, choose VISA on the display, and have the terminal scan my fingerprint?  For extra security I might have to key in a PIN. I haven't yet misplaced my thumb.

Rob Spiegel
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Blogger
Re: E-Wallets using NFC Technology
Rob Spiegel   4/5/2012 2:36:13 PM
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I agree, Apresher, the market will decide. While the technology may now be embedded in a a number of smartphone brands, retailers would have to adopt the technology on a wide scale. Some retailers are testing it, but to reach critical mass, it would need to be hundreds of thousands of retailer outlets. Consumers won't accpet it until it fiarly ubiquitous.

What I don't get is what it saves in time or energy. You still have to select your card or checking acount. You still have to engage in some form of security (pin or signature). It seems that ending the swipe function is not enougha big enough change to warrant a wholesale revamp of technology.

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