-----BEGIN PGP SIGNED MESSAGE----- Hash: SHA512 Responsibility passes to the merchant in (if you're right) October-ish, BUT only if the card presented has a chip. If the card is "Swipe Only" (ie, older but still valid) then my understanding is that the liability stays where it is.
But, yes, if a chipped card is swiped, after the deadline, the merchant owns responsibility 100%. On 2/3/2015 12:30 PM, Matthew Barr wrote: > Just to note: as far as I know, you *do* get most of the benefit > from chip + sig , since it doesn't actually give the merchant the > real cc number. They get a token, from what I've read. > > Actually, similar to Apple pay with NFC. > > Kiosks are a problem, though they may get upgraded to deal with > it. > > The big change this year is the shifting of fraud responsibility > to the merchant in Oct? If they don't use chip. Swipes will be the > merchant's problem, Chip is visa mc etc. > > Matthew > > (sent from my mobile) > >> On Feb 3, 2015, at 12:14 PM, Tom Perrine <[email protected]> >> >> CHIP+sig still probably won't be good for buying train tickets >> and gas from unattended kiosks and stations in EU. >> >> Why *anyone* would want CHIP+sig is beyond me. All of the expense >> of the infra change and none of the benefits. >> >> I've heard it has something to do with who (card holder, >> merchant, or bank) is responsible for fraudulent charges, which >> might explain the whole problem. >> >> >> >>> On Mon, Feb 2, 2015 at 1:15 PM, <[email protected]> wrote: >>> In the message dated: Mon, 02 Feb 2015 11:46:28 -0800, The >>> pithy ruminations from David Lang on <Re: [lopsa-discuss] NIce >>> Fraud alert system - American Express> were: => On Mon, 2 Feb >>> 2015, Peter Loron wrote: => => > Yep, AMEX is usually pretty on >>> the ball WRT fraud. >>> >>> That's been my experience too. >>> >>> => > >>> >>> [SNIP!] >>> >>> => > => > The EMV isn't perfect, but it does reduce fraud. => >>> => Does it make any impact on online/phone purchases? >>> >>> +1 to AMEX for fraud detection. >>> >>> -100 to AMEX for online/phone purchase fraud prevention. >>> >>> Many years ago, AMEX used to offer (free!) virtual credit card >>> numbers called Private Payments. These were good for one-time >>> use, with a capped-maximum and 30-day validity. The "card" >>> could be generated on-demand after logging into the AMEX site. >>> This was a terrific way to handle on-line purchases. Then they >>> dropped the service. >>> >>> Mark >>> >>> => => David Lang => -- Mark Bergman >>> _______________________________________________ Discuss mailing >>> list [email protected] >>> https://lists.lopsa.org/cgi-bin/mailman/listinfo/discuss This >>> list provided by the League of Professional System >>> Administrators http://lopsa.org/ >> _______________________________________________ Discuss mailing >> list [email protected] >> https://lists.lopsa.org/cgi-bin/mailman/listinfo/discuss This >> list provided by the League of Professional System >> Administrators http://lopsa.org/ > _______________________________________________ Discuss mailing > list [email protected] > https://lists.lopsa.org/cgi-bin/mailman/listinfo/discuss This list > provided by the League of Professional System Administrators > http://lopsa.org/ > - -- I prefer to use encrypted mail. My public key fingerprint is FD6A 6990 F035 DE9E 3713 B4F1 661B 3AD6 D82A BBD0. You can download it at http://www.megacity.org/gpg_dballing.txt Learn how to encrypt your email with the E-Mail Self Defense Guide: https://emailselfdefense.fsf.org/en/ -----BEGIN PGP SIGNATURE----- Version: GnuPG/MacGPG2 v2.0 Comment: GPGTools - https://gpgtools.org iQIcBAEBCgAGBQJU0QZlAAoJEGYbOtbYKrvQFNQQALZmFcC1PgZfe64SqzgXW4B/ In4WNNPtG6jdh7CMO9JpG6+rc2vWfOAnNUmiievHq0w0xiGvBLn5sRMarHY3+f9V Gw2QQj0eArh7/AxPZCA608e4OntcWcrymCYfZe5z4XV/vKewiupJ8hjbG18guoih SvMJ4sJ9BmfPsNX3P6XHXbxmhoqYscSeEpLEc+RVPrxRqfL8uap2OWZvAUHmcoOj MbjgqVAjkEMYruyMyPKyzQ14keRUo9uGsWm+F5KtHyj6OtmE61jC95cVsKxHQ94u yUg+HxjyAXhCmQXSK43KE7vFmLVOAHjTSn4fi+3vijZfjV2uWUgaGHgAuMrkw1Yj M2lrzNaEs1HBVKa7qBGCrRZotaT2T281Wl5kBpFwgdJT8ZPomGNpiLI/qdQnH9A8 EJHLOZGjYozh2IGD8PCdavXeVgraci8zW8fz7Eghyt8RDxTCcQYFze0J12tn7rtr KfqvRyV/4BckLK4eScLN1P4fIFnzzYf/LEcTnFYX6QXv2NU9v+jPNDpWvSI8iqdy ul/PNMAKiWtCIQb6oK1XjSmJjNhVhG1Oj7u1VXRmIwxs0KtD9s+WHZRWxf0aPcH7 HqXZDrAisfJwQxFvCwEvVqo0X8WFnPf2MRHo/Gz5TTuq4lHEwCwM0fx/4Geb/e88 0o0P7ckSf5FWlwEUv4Jv =8/8i -----END PGP SIGNATURE----- _______________________________________________ Discuss mailing list [email protected] https://lists.lopsa.org/cgi-bin/mailman/listinfo/discuss This list provided by the League of Professional System Administrators http://lopsa.org/
