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.
Absolutely spot on, thank you - always handy to know.
I'm wondering what it does to mitigate the "card not present" fraud though, for online purchases or remote purchases?
I just replied this to the parent comment.