My payment card was just a bit too wide to fit in my cellphone's cover. The phone's own NFC antenna is at the top - and I use it all the time - so the card had to be at the bottom of the cover to avoid triggering the phone all the time, in portrait orientation so-to-speak.
So I dissolved the card in acetone to extract the NFC chip and its antenna, then carefully reshaped one end of the antenna so it's a bit less wide (and since I couldn't modify the length of the wire or the number of turns in any way to avoid de-tuning the antenna too much, I sort of accordioned one side of the rectangle to accommodate the extra length of wire).
Then I set the new shape of the antenna permanently by carefully applying a piece of packing tape over it, flipped it over, taped over the other side to seal everything, then carefully cut around the new, ultra-thin, stubbier contactless payment "card".
I dissolved the card in acetone to extract the NFC chip and its antenna,
Wouldn't the acetone also dissolve the insulation around the antenna wire? So when it touches itself, it shorts itself out, and -- electrically speaking -- you only have one turn of thicker wire?
Wire that thin is usually insulated with an enamel coating. I'd guess it's either unaffected by acetone, or just tougher to breakdown. Allow the card to dissolve, but remove and dry asap, don't let it linger longer than necessary.
My guess is it wouldn't work. On a magnetic antenna, the number of turns don't affect range, but they do affect the frequency to which the antenna is tuned. It needs to be tuned roughly to the frequency the protocol operates on, otherwise it won't work.
In addition to that, these antennas also need to pick up power, which is also relative to the number of turns.
Seems like something to experiment with at some point. I do have access to test contactless card readers but not sure how they would feel about me destroying the test cards.
Well if it dissolved any insulation, it will not work, as the coil isnt even coiling. It is not a one big coil buy just two ends shorted(or as in the picture, a very small coil. Since this works i can only conclude coating does not dissolve in acetone
What I modified was in fact a contactless payment token. It had the form factor of a payment card, but it only does NFC.
I have another card for chip+pin.But I almost never use it where I live, because all limits were lifted on contactless payments a few years ago. If I try to pay something really expensive contactless, it will ask me for the pin - which is specific to the payment token.
Do you mind if I ask what bank issued those? Why? Does the chip+pin also tap or are they features on totally separate cards?
I've never heard of a separate tap to pay token (outside of perhaps transit passes or like, arcade cards), and never a card based tap transaction that asks for a pin.
Payment tokens are very common. Usually they're sold as keychains, wristbands or rings, and they're provisioned to work with the myriad of payment processors out there - which aren't banks.
in my case, it's a token from iCard. The way it works is, it's connected to a regular bank account number with an IBAN number (supplied by iCard when you activate the token), and you transfer money to it that you can then spend with the contactless token. The nice thing is, if you lose it, you can't lose anymore money than you put on it.
I looked high and low for one where I could place my creditcard size tracker that isn't also a flip cover, just a simple cover with a creditcard slot seems almost trivial.
Amazing, I have never thought of that! I have always carried my card behind the phone, which is a bit too thick for my liking, but this is such a great idea, thanks for sharing!
Knowing the reliability of our postal services, I would very much prefer to receive it in person. Of course there are security measures (activating it only when you get it and so on), but still.
Our bank will just print a new one on the spot for you if you go to their office. As long as you're ok with your name and card number not being embossed. They have to order away the embossed ones – but you can still pick them up in person.
I was thinking about this, and there are two easy workarounds, I think:
If possible, get a second active card in the same name. Ideally, a full-identical cloned card. Not sure if this would be allowed, but if not...
Add another authorized user to your account and never give them the card, then just dissolve that card for tap payments.
But, in either case, I do think you might run into a different issue: automated fraud detection sometimes requires me to chip+PIN, even for transcribed below the tap limit. This has happened to me when traveling. I don't think there would be any way around that, and if you then fail to authenticate with chip+PIN, it's reasonable to think that the bank would lock your card for contactless payments until you successfully authenticate the card again with chip+PIN. (To be clear: this is only speculation; not sure if that would be an issue in practice.)
So, I suspect that whether this would work or not might depend on your institution (or maybe jurisdiction?)
TLDR: some woman did a facial recognition log in method, the bank said that the photos are not stored and deleted instantly, but because there was a Slovenian flag (looked like russian in the photo)in the background, she got her bank account blocked and the CEO posted the verification image online
We know that the NSA and probably whoever dedicated enough can potentially access webcams remotely too, and millions of kids now have cameras in their room at all times through their phone or computer.
I opened an account with starling partly because they have a real webapp, but you have to fucking log in with your phone, which is half the reason I want a webapp: because fetching your phone when you're already at your computer is just a ballache
I don't have british pounds at hand so can't test... Why are you putting valuable stuff next to more valuable stuff, anyway? Like to have everything stolen in one go?
Nope. The website says "get app" like 4 times. There's a webapp but it's for business stats only (like if you own a cafe). They are just trying to "appeal to the younger generation", and one part of that is the app that spams emojis everywhere. Another part of that is furry stickers ("qr cat") believe it or not; in physical, Telegram and Viber because everything in this damn country is held together by Telegram and Viber.
It would have been nice if crypto didn’t turn into a network of pyramid schemes.
Like, I am sympathetic to the idea. I mined a Bitcoin a long time ago (and lost it in intervening years). But holy moly, did it erupt into a tire fire.
GNU+Linux is currently being used to kill civilians in several wars, but we don't feel the need to point that out every time somebody says they use Arch btw.
Good tech can be used by bad people without everybody having to distance themselves from the tech itself.
That's not to say that BTC is good tech, but it's a decent proof of concept to free digital transactions from monopolists and tyrants.
Even without the greater fool scam, it's basic physics that a some dedicated servers will be more efficient than having every computer in a distributed network process every transaction.
What kind of abuse are you talking about? I doubt you're talking about a 51% attack, which is incredibly hard. I'm guessing you are talking about social engineering, like where some scammer gets a poor soul to leak their bitcoin wallet or something like that.
In these cases, yes a centralized payment system can be useful, because the authority in charge can just reverse transactions that are deemed fraudulent or the result of a scam. But that same authority can do things like ban all payments to Steam for porn games (like the recent Visa Mastercard drama). That same authority can say "GrapheneOS and Pinephone users aren't allowed to make NFC payments".
In cases like these it would be nice for there to be an alternative to centralized systems, at least for those technologically literate enough to use these alternative systems.
I'm European, I technically have a MC credit card which I'll use on the rare occasions I need a credit card, but the vast majority of the time it's debit card or direct transfers (what they're now calling wero).
A lot of European countries have their own debit card networks. Germany has GiroCard, Italy has PagoBancomat and so on. The problem is that those are national systems that stop working once you cross a border. Most cards are therefore cobadged with Visa or MC as a fallback system.
What's needed to get rid of the cobadging (at least within the EU) is some kind of translation layer to bring the existing European systems together.
We can go even further and create some sort of physical tokens that we can give to each other. These token would be secure, completely private, waterproof and even work offline. Maybe we could even put some pictures on them and make them vision-impaired accessible - the possibilities are endless!
People forget that cash is a technology - a pretty good one too.
I haven't noticed, but my grocery store recently limitted their cash back to $40, so you have to split your purchases into separate transactions until you have the cash you want.
It's nothing compared to digital transfers. Sure you can trace via serial number but that's mostly safe for us normal people. With digital transfer the privacy leaks can affect us normal people as the data can easily leak or be sold, stolen.
Some banks issue stickers for phones without NFC. It's another physical card but contactless only and very thin (probably with an aluminum strip antenna).
I've got this papery stuff, and circley metal discs that works in most places.
Unfortunately it does have pictures glorifying some family of depraved paedos on it , but not easy to avoid that.
Carrying an actual wallet all the time is pretty inconvenient, but honestly, I've been considering getting back into cash for 2 reasons: 1) If more people use cash, it's harder to legislate it away altogether and 2) so small-time vendors don't have to pay taxes. I don't mean the local grocery store (the big chains get audited anyway), I mean the person with a stall selling homemade smoked sausages in front of a store, or the guy by the road who sells smoked fish from the nearby lake.
Also euro banknotes don't have people on it to avoid the whole paedo glorification thing, so that's cool
And while the monarchist EU countries do stamp their monarchs on their coins, there's more than enough decent and interestin people on other country's variants.
Like Austria stamping Mozart and Bertha von Suttner (first female recipient of the Nobel Peace Price).
Or Croatia putting up Nikola Tesla, a Serb from Croatia, on some of their coins, likely to provoke Serbia. Or perhaps to symbolize unity between Croatians and Serbians but I frankly doubt that.
Or France recently creating coins with three important French women on the 10, 20 and 50 cent coins: Simone Veil, Josephine Baker, and Marie Curie.
Greece put up a couple people who were instrumental in Greek's fight for independence and, more notably to Europe as a whole, the mythical Princess Europa riding on Zeus - the literal symbol of pan-Europeanism is on Greek's 2€ coin.
And that's just a sample, there's even more. Largely (ignoring the monarchies) people who genuinely deserve to be looked up to - or at least respected - are on the coins that have a person on them.
If you live in a country with 19th century banking where people still pay each other by IOU on little pieces of paper, then sure. In modern countries a lot of places only take electronic payments.
Like with passkeys (getting better though) and encrypted RCS messages, this is a proprietary standard that still sadly offers way more security.
It is token based afaik and the secret is never shared or even readable by an attacker. This card can be stolen with a single swipe, all that is protecting you is the banking system being overly cautious and expecting their systems to fail, so you need to enter a pin code on higher transactions or your card is simply locked.
Paying with VISA card online is insane from a security perspective, made slightly less bad by requiring authentication with a proprietary TAN app.
I've been using a magsafe card holder ever since I switched to GrapheneOS. Been working surprisingly well - I thought I'd forget my cards way more often, but it's actually fine.
The only two negatives I've had so far is that my snake got her head stuck in my card holder's finger loop once. And the powerful magsafe magnet fried the magnetic strip on a loyalty card I have in there, so the cashier has to type my customer number in by hand every time.
Basically a straight upgrade from all the people (usually women for some reason ? Small/no pockets was the argument my gf made) who keep their credit card in the back of their phone case and also have apple pay set up.
Card fees. I'll use Wise for reference here. They have a free account that you can sign up for. If you want to get a plastic card, that'll be circa 4€ for the card, something for shipment and then a recurring plastic card fees.
Goto bank, wait in line, show your ID, they give you some fancy pieces of paper and decrement the number in a table somewhere for the "virtual card". You give the fancy pieces of paper to a cashier (who keeps basically none because capitalism) as payment.
139 Comments
ExtremeDullard@piefed.social · 459 pts · 82d
I'll do one better:
My payment card was just a bit too wide to fit in my cellphone's cover. The phone's own NFC antenna is at the top - and I use it all the time - so the card had to be at the bottom of the cover to avoid triggering the phone all the time, in portrait orientation so-to-speak.
So I dissolved the card in acetone to extract the NFC chip and its antenna, then carefully reshaped one end of the antenna so it's a bit less wide (and since I couldn't modify the length of the wire or the number of turns in any way to avoid de-tuning the antenna too much, I sort of accordioned one side of the rectangle to accommodate the extra length of wire).
Then I set the new shape of the antenna permanently by carefully applying a piece of packing tape over it, flipped it over, taped over the other side to seal everything, then carefully cut around the new, ultra-thin, stubbier contactless payment "card".
Now it fits really smartly in my cellphone cover!
SpaceNoodle@lemmy.world · 213 pts · 82d
Next time someone calls me a maniac, I'll show them this.
WhoIzDisIz@lemmy.today · 27 pts · 82d
Definitely doesn't live up to their username.
flamingos@feddit.uk · 121 pts · 82d
The fact it's secured with a piece of sellotape is just *chef's kiss*.
napkin2020@sh.itjust.works · 68 pts · 82d
You are fucking crazy. I love you.
felsiq@piefed.zip · 51 pts · 82d
>ExtremeDullard
>most interesting post
???
hoshikarakitaridia@lemmy.world · 44 pts · 82d
Peak Lemmy behaviour I love it
87Six@lemmy.zip · 37 pts · 82d
I just wanted to say your dad is definitely proud of you dude
gedfromgont@piefed.ca · 30 pts · 82d
You just had to 1-up everyone here...
Pyron@feddit.org · 26 pts · 82d
"Please use chip reader".....
OwOarchist@pawb.social · 25 pts · 82d
Wouldn't the acetone also dissolve the insulation around the antenna wire? So when it touches itself, it shorts itself out, and -- electrically speaking -- you only have one turn of thicker wire?
Darkassassin07@lemmy.ca · 55 pts · 82d
Wire that thin is usually insulated with an enamel coating. I'd guess it's either unaffected by acetone, or just tougher to breakdown. Allow the card to dissolve, but remove and dry asap, don't let it linger longer than necessary.
Veritasium demoed this a few weeks ago while discussing tap-to-pay security and a vulnerability with apple pay+visa.
Korhaka@sopuli.xyz · 19 pts · 82d
Only one way to find out, good thing that these don't cost any money and you can just ask for a new one.
Maybe take some cash out first to cover any payments you may need to make it it breaks in some way.
OwOarchist@pawb.social · 7 pts · 82d
If OP is using it and is happy with it, maybe one turn of wire is enough for it to still work, maybe with reduced range?
myotheraccount@lemmy.world · 17 pts · 82d
My guess is it wouldn't work. On a magnetic antenna, the number of turns don't affect range, but they do affect the frequency to which the antenna is tuned. It needs to be tuned roughly to the frequency the protocol operates on, otherwise it won't work. In addition to that, these antennas also need to pick up power, which is also relative to the number of turns.
Korhaka@sopuli.xyz · 7 pts · 82d
Seems like something to experiment with at some point. I do have access to test contactless card readers but not sure how they would feel about me destroying the test cards.
mexicancartel@lemmy.dbzer0.com · 12 pts · 82d
Well if it dissolved any insulation, it will not work, as the coil isnt even coiling. It is not a one big coil buy just two ends shorted(or as in the picture, a very small coil. Since this works i can only conclude coating does not dissolve in acetone
aBundleOfFerrets@sh.itjust.works · 5 pts · 82d
It depends on the insulation used, which can vary a lot for thin enameled wire.
newton@feddit.online · 15 pts · 82d
Ty, great idea will try it
definitemaybe@lemmy.ca · 15 pts · 82d
Have you ever run into difficulty with needing to authenticate with chip+PIN? Like while traveling?
That would be my big concern with this; it would make it very difficult to pass a PIN check, to say the least!
Super cool idea. I might just try it myself and see if I run into issues.
ExtremeDullard@piefed.social · 24 pts · 82d
What I modified was in fact a contactless payment token. It had the form factor of a payment card, but it only does NFC.
I have another card for chip+pin.But I almost never use it where I live, because all limits were lifted on contactless payments a few years ago. If I try to pay something really expensive contactless, it will ask me for the pin - which is specific to the payment token.
Darkassassin07@lemmy.ca · 1 pts · 81d
Do you mind if I ask what bank issued those? Why? Does the chip+pin also tap or are they features on totally separate cards?
I've never heard of a separate tap to pay token (outside of perhaps transit passes or like, arcade cards), and never a card based tap transaction that asks for a pin.
ExtremeDullard@piefed.social · 5 pts · 81d
Payment tokens are very common. Usually they're sold as keychains, wristbands or rings, and they're provisioned to work with the myriad of payment processors out there - which aren't banks.
in my case, it's a token from iCard. The way it works is, it's connected to a regular bank account number with an IBAN number (supplied by iCard when you activate the token), and you transfer money to it that you can then spend with the contactless token. The nice thing is, if you lose it, you can't lose anymore money than you put on it.
bacon_pdp@lemmy.world · 14 pts · 82d
ragas@lemmy.ml · 7 pts · 82d
Fairphone 6 has an add-on exactly for this.
InFerNo@lemmy.ml · 1 pts · 82d
I looked high and low for one where I could place my creditcard size tracker that isn't also a flip cover, just a simple cover with a creditcard slot seems almost trivial.
GreenShimada@lemmy.world · 13 pts · 82d
I love this.
pankuleczkapl@lemmy.dbzer0.com · 12 pts · 82d
Amazing, I have never thought of that! I have always carried my card behind the phone, which is a bit too thick for my liking, but this is such a great idea, thanks for sharing!
PerogiBoi@lemmy.ca · 6 pts · 82d
Wow.
SeductiveTortoise@piefed.social · 6 pts · 82d
You clever, I like.
kamen@lemmy.world · 5 pts · 82d
Kudos for the effort. With that said, this would definitely raise some eyebrows if you have to return the card when getting a new one.
TheSambassador@lemmy.world · 24 pts · 82d
I've never had to do that... Just say you lost it.
kamen@lemmy.world · 2 pts · 82d
Depends on how fussy the bank is, but yeah.
calmblue75@lemmy.ml · 3 pts · 81d
The bank just mails the new card to me. I still have old debit cards.
kamen@lemmy.world · 2 pts · 81d
Knowing the reliability of our postal services, I would very much prefer to receive it in person. Of course there are security measures (activating it only when you get it and so on), but still.
lemmyvore@feddit.nl · 1 pts · 81d
Our bank will just print a new one on the spot for you if you go to their office. As long as you're ok with your name and card number not being embossed. They have to order away the embossed ones – but you can still pick them up in person.
Rolive@discuss.tchncs.de · 5 pts · 81d
That is serious dedication.
JamesBoeing737MAX@sopuli.xyz · 1 pts · 82d
Well, what if you need an actual card for identification in the bank or something similar? Do you just show them the dissolved one?
RickyRigatoni@piefed.zip · 10 pts · 82d
Don't know about OP but gov ID works for that purpose. I'm more worried about when they go to a store that doesn't accept tap.
definitemaybe@lemmy.ca · 4 pts · 82d
I was thinking about this, and there are two easy workarounds, I think:
But, in either case, I do think you might run into a different issue: automated fraud detection sometimes requires me to chip+PIN, even for transcribed below the tap limit. This has happened to me when traveling. I don't think there would be any way around that, and if you then fail to authenticate with chip+PIN, it's reasonable to think that the bank would lock your card for contactless payments until you successfully authenticate the card again with chip+PIN. (To be clear: this is only speculation; not sure if that would be an issue in practice.)
So, I suspect that whether this would work or not might depend on your institution (or maybe jurisdiction?)
Onomatopoeia@lemmy.cafe · 7 pts · 82d
The only time I've gone to my bank in the last 20 years was to get a new card, or to open a new account at a new bank.
artwork@lemmy.world · 63 pts · 83d
flamingos@feddit.uk · 39 pts · 83d
What does this even mean?
normis@infosec.pub · 69 pts · 83d
Screen side with call buttons
Darkassassin07@lemmy.ca · 14 pts · 82d
You could put the rubber bands in between the phone and the case, so it's not on top of the screen.
Hazel@piefed.blahaj.zone · -15 pts · 82d
Ewww using a case.
flamingos@feddit.uk · 11 pts · 82d
Ah, now I see it. Thanks!
unexposedhazard@discuss.tchncs.de · 7 pts · 82d
Would be easy enough to print a custom case for this
diaphragmwp@discuss.tchncs.de · 3 pts · 82d
Delete Plasma Mobile, get SXMO, disable touchscreen then accept calls with side buttons, ez
Hazel@piefed.blahaj.zone · 7 pts · 82d
Yeah just use glue, smh my head.
WhoIzDisIz@lemmy.today · 4 pts · 82d
You seem to have been sniffing some to be smacking your head's head.
kamen@lemmy.world · 5 pts · 82d
I feel like it was a joke directed at people using ATM machines and staring at LCD displays
Hazel@piefed.blahaj.zone · 5 pts · 82d
Yeah I clearly overestimated people's familiarity with this particular meme.
kamen@lemmy.world · 4 pts · 82d
Suddenly we need to explicitly write /s again
WhoIzDisIz@lemmy.today · 1 pts · 82d
Yeah, I'm afraid I've no idea. I'll search, but to be sure I've got the right one, a link would be appreciated.
Hazel@piefed.blahaj.zone · 1 pts · 82d
Oh it's not any meme image I'm thinking of, it's just a text-meme.
terraquad@feddit.org · 4 pts · 82d
shaking my head my head
NoSpotOfGround@lemmy.world · 60 pts · 82d
Take that Android! This works even with the phone powered off! It works even without the phone at all!
Wait...
stoy@lemmy.zip · 57 pts · 82d
Or you can just keep your card in your wallet, like you have done for decades
Phantaloons@piefed.zip · 28 pts · 82d
The privileged have to invent their own problems.
JesusTheCarpenter@feddit.uk · 19 pts · 82d
The problem is that I don't cary my wallet with me for pretty much a decade now.
makeshift0546@lemmy.today · 9 pts · 82d
Didn't have to carry a phone for decades.
Now I don't have to carry a wallet and multiple cards 🤷♂️
Onomatopoeia@lemmy.cafe · 3 pts · 82d
Gotta carry ID, what's one more card?
Waryle@jlai.lu · 5 pts · 82d
I don't need to carry my ID most of the time
EuroNutellaMan@sh.itjust.works · 1 pts · 81d
That's silly, you're supposed to always carry it with you
Waryle@jlai.lu · 1 pts · 74d
Nope, no such law in France
makeshift0546@lemmy.today · 2 pts · 82d
I don't carry my id and digital state ID s are out either way.
diaphragmwp@discuss.tchncs.de · 38 pts · 82d
Ironic it's a monobank card, it's mobile only and you have to use a locked unrooted googled phone (or an iPhone) because big brother said so.
UkrainianBull@reddthat.com · 34 pts · 82d
Also this https://telegraf.ua/ukr/ukrayina/5935111-gorokhovskogo-chekae-pokarannya-yuristi-rozpovili-chim-dlya-monobank-zakinchitsya-skandal-z-oprilyudnennyam-foto-klientki
TLDR: some woman did a facial recognition log in method, the bank said that the photos are not stored and deleted instantly, but because there was a Slovenian flag (looked like russian in the photo)in the background, she got her bank account blocked and the CEO posted the verification image online
Edit: wrong link
Noja@sopuli.xyz · 7 pts · 82d
makes you wonder what the CEOs of all those age verification companies are doing with all the photos
tocopherol@lemmy.dbzer0.com · 3 pts · 82d
We know that the NSA and probably whoever dedicated enough can potentially access webcams remotely too, and millions of kids now have cameras in their room at all times through their phone or computer.
FishFace@piefed.social · 6 pts · 82d
I opened an account with starling partly because they have a real webapp, but you have to fucking log in with your phone, which is half the reason I want a webapp: because fetching your phone when you're already at your computer is just a ballache
Korhaka@sopuli.xyz · 6 pts · 82d
Hope that doesn't get too popular, I don't want to have to carry a second phone just to make payments when I can use a much smaller card instead.
diaphragmwp@discuss.tchncs.de · 9 pts · 82d
In other news, cash is foldable.
Korhaka@sopuli.xyz · 3 pts · 82d
Good luck folding £100 without having a pretty big bulge in your phone case.
diaphragmwp@discuss.tchncs.de · 3 pts · 82d
I don't have british pounds at hand so can't test... Why are you putting valuable stuff next to more valuable stuff, anyway? Like to have everything stolen in one go?
Korhaka@sopuli.xyz · 4 pts · 82d
How often are you finding people steal your phone?
diaphragmwp@discuss.tchncs.de · 1 pts · 82d
None because I try to avoid bringing it in the first place. It's my 2FA box.
WhoIzDisIz@lemmy.today · 2 pts · 82d
Just get this phone - a bit thick, but very pocketable.
Imperious_melange@lemmy.world · 3 pts · 82d
abfarid@startrek.website · 5 pts · 82d
Nope, the point of this bank is that it's mobile only. No offices, no webapp.
diaphragmwp@discuss.tchncs.de · 5 pts · 82d
Nope. The website says "get app" like 4 times. There's a webapp but it's for business stats only (like if you own a cafe). They are just trying to "appeal to the younger generation", and one part of that is the app that spams emojis everywhere. Another part of that is furry stickers ("qr cat") believe it or not; in physical, Telegram and Viber because everything in this damn country is held together by Telegram and Viber.
Zamboni_Driver@lemmy.ca · 30 pts · 82d
Now how about contactless payments without visa or MasterCard.
brucethemoose@lemmy.world · 28 pts · 82d
It would have been nice if crypto didn’t turn into a network of pyramid schemes.
Like, I am sympathetic to the idea. I mined a Bitcoin a long time ago (and lost it in intervening years). But holy moly, did it erupt into a tire fire.
jonion@lemmy.world · 6 pts · 82d
GNU+Linux is currently being used to kill civilians in several wars, but we don't feel the need to point that out every time somebody says they use Arch btw.
Good tech can be used by bad people without everybody having to distance themselves from the tech itself.
That's not to say that BTC is good tech, but it's a decent proof of concept to free digital transactions from monopolists and tyrants.
__dev@lemmy.world · 4 pts · 82d
Even without the greater fool scam, it's basic physics that a some dedicated servers will be more efficient than having every computer in a distributed network process every transaction.
hirihit640@sh.itjust.works · 5 pts · 81d
And authoritarianism can be more efficient than democracy. Doesn't mean I want authoritarism though
brucethemoose@lemmy.world · 2 pts · 81d
It’s not democracy though.
Whatever the ideals of cypto are, however user friendly could be made, in reality, it’s just fundamentally too easy to be abused.
As-is, it’s one of those “it would work fine if everyone learned it in detail, and grifters would go away” ideas, and that’s not going to happen.
Democracy is fragile and exploitable too, but it has a track record of working across general populations for reasonable lengths of time.
hirihit640@sh.itjust.works · 3 pts · 81d
What kind of abuse are you talking about? I doubt you're talking about a 51% attack, which is incredibly hard. I'm guessing you are talking about social engineering, like where some scammer gets a poor soul to leak their bitcoin wallet or something like that.
In these cases, yes a centralized payment system can be useful, because the authority in charge can just reverse transactions that are deemed fraudulent or the result of a scam. But that same authority can do things like ban all payments to Steam for porn games (like the recent Visa Mastercard drama). That same authority can say "GrapheneOS and Pinephone users aren't allowed to make NFC payments".
In cases like these it would be nice for there to be an alternative to centralized systems, at least for those technologically literate enough to use these alternative systems.
PerogiBoi@lemmy.ca · 14 pts · 82d
Non American credit cards when
Obi@sopuli.xyz · 7 pts · 82d
I'm European, I technically have a MC credit card which I'll use on the rare occasions I need a credit card, but the vast majority of the time it's debit card or direct transfers (what they're now calling wero).
SkunkWorkz@lemmy.world · 4 pts · 81d
Unfortunately Visa and Mastercard also own the payment network for debit cards in many countries in Europe.
oce@jlai.lu · 2 pts · 82d
France has the national CB system, independent from American systems. https://en.wikipedia.org/wiki/CB_Bank_Card_Group
Vittelius@feddit.org · 3 pts · 81d
A lot of European countries have their own debit card networks. Germany has GiroCard, Italy has PagoBancomat and so on. The problem is that those are national systems that stop working once you cross a border. Most cards are therefore cobadged with Visa or MC as a fallback system.
What's needed to get rid of the cobadging (at least within the EU) is some kind of translation layer to bring the existing European systems together.
EuroNutellaMan@sh.itjust.works · 1 pts · 81d
I'm pretty sure the EUnis quietly working on such a thing
UkrainianBull@reddthat.com · 27 pts · 82d
MyVeryRealName@lemmy.world · 7 pts · 82d
context?
UkrainianBull@reddthat.com · -14 pts · 82d
See my other comment on this post
MyVeryRealName@lemmy.world · 2 pts · 82d
I don't think they're necessarily sharing the photos with glowies.
UkrainianBull@reddthat.com · 2 pts · 82d
To be fair, it somehow got into hands of the owner of the bank, who is very closely tied to the government
drmoose@lemmy.world · 25 pts · 81d
We can go even further and create some sort of physical tokens that we can give to each other. These token would be secure, completely private, waterproof and even work offline. Maybe we could even put some pictures on them and make them vision-impaired accessible - the possibilities are endless!
People forget that cash is a technology - a pretty good one too.
Croquette@sh.itjust.works · 8 pts · 81d
Banks are closing ATMs left and right. It is getting increasingly harder to withdraw paper money and it sucks.
schipelblorp@sh.itjust.works · 3 pts · 81d
I haven't noticed, but my grocery store recently limitted their cash back to $40, so you have to split your purchases into separate transactions until you have the cash you want.
needanke@feddit.org · 3 pts · 81d
Cash is more tracable then most think: Article is in German
drmoose@lemmy.world · 3 pts · 81d
It's nothing compared to digital transfers. Sure you can trace via serial number but that's mostly safe for us normal people. With digital transfer the privacy leaks can affect us normal people as the data can easily leak or be sold, stolen.
user224@lemmy.sdf.org · 24 pts · 82d
Maybe a solution similar to this could work: https://github.com/nfcgate/nfcgate/blob/v2/doc/mode/Relay.md
Have the card at home sitting on a reader connected to your homelab, add NFC module to PinePhone and simply relay the traffic over network.
WhyJiffie@sh.itjust.works · 1 pts · 82d
this can be useful too! https://f-droid.org/packages/de.tu_darmstadt.seemoo.nfcgate
probably requires root though
0x0@infosec.pub · 0 pts · 82d
At that point one should just https://dangerousthings.com/product/vivokey-thermo/ and get a free thermometer as well
nefRrgar@lemmy.world · 22 pts · 82d
Works without connection too🔥
GutterRat42@lemmy.world · 24 pts · 82d
Contactless payment works without connection. Now, the technical marvel is that it works even if the phone is dead.
mEEGal@lemmy.world · 22 pts · 82d
Nice meme, but for us out there with at least a fully virtual card (some companies provide such benefits), we need a real MyAss-Pay alternative
I recently found Walt, but it's a work in progress for now. The app is avalaible though
ChaoticNeutralCzech@feddit.org · 8 pts · 82d
Some banks issue stickers for phones without NFC. It's another physical card but contactless only and very thin (probably with an aluminum strip antenna).
bryndos@fedia.io · 5 pts · 82d
I've got this papery stuff, and circley metal discs that works in most places. Unfortunately it does have pictures glorifying some family of depraved paedos on it , but not easy to avoid that.
boonhet@sopuli.xyz · 2 pts · 82d
Carrying an actual wallet all the time is pretty inconvenient, but honestly, I've been considering getting back into cash for 2 reasons: 1) If more people use cash, it's harder to legislate it away altogether and 2) so small-time vendors don't have to pay taxes. I don't mean the local grocery store (the big chains get audited anyway), I mean the person with a stall selling homemade smoked sausages in front of a store, or the guy by the road who sells smoked fish from the nearby lake.
Also euro banknotes don't have people on it to avoid the whole paedo glorification thing, so that's cool
yetAnotherUser@discuss.tchncs.de · 2 pts · 82d
Yup.
And while the monarchist EU countries do stamp their monarchs on their coins, there's more than enough decent and interestin people on other country's variants.
Like Austria stamping Mozart and Bertha von Suttner (first female recipient of the Nobel Peace Price).
Or Croatia putting up Nikola Tesla, a Serb from Croatia, on some of their coins, likely to provoke Serbia. Or perhaps to symbolize unity between Croatians and Serbians but I frankly doubt that.
Or France recently creating coins with three important French women on the 10, 20 and 50 cent coins: Simone Veil, Josephine Baker, and Marie Curie.
Greece put up a couple people who were instrumental in Greek's fight for independence and, more notably to Europe as a whole, the mythical Princess Europa riding on Zeus - the literal symbol of pan-Europeanism is on Greek's 2€ coin.
And that's just a sample, there's even more. Largely (ignoring the monarchies) people who genuinely deserve to be looked up to - or at least respected - are on the coins that have a person on them.
iknewitwhenisawit@fedinsfw.app · -5 pts · 82d
If you live in a country with 19th century banking where people still pay each other by IOU on little pieces of paper, then sure. In modern countries a lot of places only take electronic payments.
bryndos@fedia.io · 5 pts · 82d
I don't go to those places, don't need their stuff.
Don't need much stuff really.
Glad to live in 3rd world shithole.
Onomatopoeia@lemmy.cafe · 4 pts · 82d
I refuse to shop at a place that doesn't do cash.
FishFace@piefed.social · 5 pts · 82d
In my country there are both places that only accept electronic payments and places that only accept paper IOUs. Go figure.
Ioughttamow@fedia.io · 4 pts · 82d
It’s ok, there are temples around the country that will vouchsafe your ability to pay
WhyJiffie@sh.itjust.works · 1 pts · 82d
sounds better than an electronic payments only dystopia tbh
phx@lemmy.world · 5 pts · 81d
Man, this really makes me wish we had a more modern or powerful successor to the PinephonePro (that I could actually order from outside the EU)
flamingos@feddit.uk · 3 pts · 81d
Did you mean to post this comment 4 times?
phx@lemmy.world · 3 pts · 81d
No, I got an error a bunch of times and it didn't seem to actually post
boredsquirrel@slrpnk.net · 5 pts · 82d
Nobody here mention security?
Like with passkeys (getting better though) and encrypted RCS messages, this is a proprietary standard that still sadly offers way more security.
It is token based afaik and the secret is never shared or even readable by an attacker. This card can be stolen with a single swipe, all that is protecting you is the banking system being overly cautious and expecting their systems to fail, so you need to enter a pin code on higher transactions or your card is simply locked.
Paying with VISA card online is insane from a security perspective, made slightly less bad by requiring authentication with a proprietary TAN app.
Bluefruit@lemmy.world · 4 pts · 82d
This made me laugh more than I would've thought. Excellent meme. 10/10
FoolHen@lemmy.world · 4 pts · 82d
I got a case with magsafe and a magsafe card wallet, that also works and you can have more cards too
wreckedcarzz@lemmy.world · 2 pts · 82d
Same, though it's built-in to my phone, just needed the 'wallet' to attach
manuremy@sopuli.xyz · 3 pts · 82d
But my Nokia C2-01 is smaller than my card..
python@lemmy.world · 2 pts · 81d
I've been using a magsafe card holder ever since I switched to GrapheneOS. Been working surprisingly well - I thought I'd forget my cards way more often, but it's actually fine.
The only two negatives I've had so far is that my snake got her head stuck in my card holder's finger loop once. And the powerful magsafe magnet fried the magnetic strip on a loyalty card I have in there, so the cashier has to type my customer number in by hand every time.
spittingimage@lemmy.world · 3 pts · 81d
We may need pics of the snake.
kibblebits@quokk.au · 2 pts · 83d
Can I use my Apple Card?
Sylvartas@lemmy.dbzer0.com · 2 pts · 81d
Basically a straight upgrade from all the people (usually women for some reason ? Small/no pockets was the argument my gf made) who keep their credit card in the back of their phone case and also have apple pay set up.
phx@lemmy.world · 2 pts · 81d
phx@lemmy.world · 1 pts · 81d
Atlas48@ttrpg.network · 1 pts · 82d
I just don't bother in the first place. Don't like having a single point of failure.
phx@lemmy.world · 1 pts · 81d
DieserTypMatthias@lemmy.ml · 1 pts · 82d
I don't even have a physical card (I have a virtual one). But fuck cards, it's a waste of plastic.
Mika@piefed.ca · 2 pts · 82d
How do you pay with virtual card without google pay?
oats@piefed.zip · 2 pts · 82d
You're saving a lot of money that way
Mika@piefed.ca · 1 pts · 82d
Saving on what?
oats@piefed.zip · 4 pts · 82d
Expenses. Have none when you can't pay
DieserTypMatthias@lemmy.ml · 1 pts · 82d
Card fees. I'll use Wise for reference here. They have a free account that you can sign up for. If you want to get a plastic card, that'll be circa 4€ for the card, something for shipment and then a recurring plastic card fees.
diaphragmwp@discuss.tchncs.de · 1 pts · 81d
Goto bank, wait in line, show your ID, they give you some fancy pieces of paper and decrement the number in a table somewhere for the "virtual card". You give the fancy pieces of paper to a cashier (who keeps basically none because capitalism) as payment.