this post was submitted on 03 Nov 2024
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As entertaining as that is, it does raise the question - why do they put all of the details on the back now?
I thought one of the main reasons that the CVV was on the signature strip was so if a card was photocopied, photographed, or carbon copied (literally on carbon paper), then it was still less possible to clone the card.
Is "physical" cloning so small of a problem now that it's more beneficial to make fancy looking cards? Anyone in the industry able to shine a light?
This is an EMVCo chip card, and not an American one so it’s chip and pin most likely. Without getting too detailed, the chip generates a one time use code for each transaction, so just having the number wouldn’t help with cloning the card plus you also would need to know the PIN. Although skimmers still exist and physical card theft is a thing, it’s less common especially in markets that use chip and pin.
Furthermore even if a card is skimmed these days, at least in the UK, it’s still unlikely transactions would be processed online.
That’s because it’s become so commonplace now for transactions to pop-up in the banks app on the owners phone and they must confirm the transaction and / or receive a code via SMS. Some just use SMS as a means to confirm a transaction.
I guess one vector for attack still remains and that is SIM swapping, but even that is more difficult these days due to widespread awareness from carriers.
I mean, if they knew where you usually shop online, probably not. I generally get the popup when either:
1: Shopping somewhere for the first time
2: Certain businesses (presumably those that are more often targeted for fraud I guess?)
I bet if they tried to use a different delivery address (and the shop passed that on) it should (I think at least) trigger a security check.
In shops especially with contactless it's very unlikely to be stopped though. But I think the bank needs to eat the contactless losses if I remember right. I do recall there's a maximum number of contactless payments you can make in a given time before it forces chip and pin though.