Saturday, December 17, 2005

RF ID PayPass credit cards... a good idea?


Robin's Commentary Part 2

what's in your wallet?

you may not like the answer.

one of the newest items to rollout is using an RF ID embedded chip inside of your credit card for a process called PayPass in which you no longer have to swipe your credit card or debit card through the card reader itself, instead you only have to "Tap" the card to the reader.



Although it sounds wonderfully convenient because you would no longer be bothered with the hassle of signing receipts and entering pin numbers because they will no longer be required.

MasterCard (Chase) is one of the companies that had started to use this technology.

To understand why I'm concerned about this... let me address how I understand the technology.

The technology is called "BLINK", which works with the same principle as the RF ID tags that are in merchandise in stores. It has an antenna in which it receives its power from and when activated it emits an encoded signal which the reader picks up.

The company claims that the cards have a range of about 4 inches and can be read through your wallet... however, just like any type of radio signal, there are two factors which have a major influence on the range of the device.

#1) the signal strength of the transmitter.
#2) the sensitivity of the receiver.

A signature is not required when using a blink card because Chase feels that the encryption and other security features built into the blank make the card secure without the need for a signature. of course, unlike a debit card which requires a pin number for security, the blink card only requires the card to touch the reader. This in no way identifies who the rightful owner of the card is.

Another problem with the card depends on the location of the terminal (reader) itself. In some cases, if two or more terminals were close together, not only did both terminals read the card, but the read range of each terminal increases to as much as 30 feet.[NPR]

Even if the terminal is operating within the proper range of 4 inches, some people are worried that they could accidentally walk too close to a terminal and end up paying for someone else's purchase.

One of the security concerns is somebody with a RF ID sniffer device could capture your credit card information without coming in physical contact with the card and duplicating that information onto another card (or emitter) without you even knowing it.

The credit card is designed so that it can not permeate metal, meaning that if you put it within a metal sleeve that readers can not read the card and thus gives you some control over the card.


To permanently disabled the RF ID, there are devices that will do this. However, without doing further research and with the risk of damaging the card at this point I do not recommend experimenting with one of these devices like Tagzapper

To sum up... the technology may make it more convenient to purchase items, I just want to have the choice of whether or not I wish to use this type of technology or not.

information sources:
Kim Zetter, reporter for wired news -- guest on NPR radio
How Stuff Work - How Blink Technology Works

10 Comments:

Blogger Bob said...

About 2 seconds in the microwave does a good job on them as well.

9:57 AM  
Blogger Robin said...

hummm. I never thought of that one.. thanks

12:21 PM  
Anonymous peod in Oregon said...

Robin, you are wise to concider this eves-dropping as a personal threat. For more eye-opening information on this trend check out this link that is following this technology:

http://www.motherjones.com/interview/2005/12/albrecht.html

Welcome to the real BIG BROTHER.

1:25 PM  
Anonymous peod in Oregon said...

Sorry if link doesn't work go to www.spychips.com and click under the Mother Jones article. Bob

1:30 PM  
Blogger Robin said...

thanks.

also check out implantable devices such as Digital angel Corp. offers

http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=17705

2:46 PM  
Anonymous CreditGal said...

Hm..I guess those swipeless cards are really NOT secure enough. Otherwise everyone would be using them. I didn't think they were around in 2005....

10:49 PM  
Blogger ninest123 Ninest said...

ninest123 09.19
michael kors outlet, prada handbags, louis vuitton, replica watches, gucci outlet, louis vuitton, tiffany and co, prada outlet, michael kors outlet, michael kors outlet, jordan shoes, longchamp outlet, burberry, louboutin shoes, ray ban sunglasses, christian louboutin outlet, ugg boots, louis vuitton, polo ralph lauren outlet, uggs on sale, ugg boots, ugg boots, louis vuitton outlet, oakley sunglasses, nike air max, replica watches, tory burch outlet, michael kors outlet, ray ban sunglasses, longchamp, tiffany jewelry, oakley sunglasses, louis vuitton outlet, burberry outlet online, nike free, oakley sunglasses, longchamp outlet, nike air max, michael kors outlet, louboutin outlet, polo ralph lauren outlet, ugg boots, michael kors, nike outlet, louboutin

11:42 PM  
Blogger ninest123 Ninest said...

michael kors, coach outlet, air force, nike air max, ray ban pas cher, longchamp pas cher, michael kors, hermes, michael kors, true religion outlet, lacoste pas cher, kate spade outlet, timberland, north face, nike blazer, coach factory outlet, vanessa bruno, coach outlet, air jordan pas cher, air max, north face, oakley pas cher, new balance pas cher, nike roshe run, lululemon, ralph lauren pas cher, burberry, hogan, true religion jeans, hollister pas cher, coach purses, converse pas cher, kate spade handbags, nike free, true religion jeans, sac longchamp, vans pas cher, chanel handbags, hollister, true religion jeans, tn pas cher, ray ban uk, michael kors, sac guess, louboutin pas cher

11:43 PM  
Blogger ninest123 Ninest said...

ralph lauren uk, north face outlet, abercrombie and fitch, babyliss, giuseppe zanotti, asics running shoes, nike air max, longchamp, jimmy choo shoes, wedding dresses, nike air max, nike roshe, mac cosmetics, ferragamo shoes, mcm handbags, p90x workout, north face outlet, reebok shoes, hollister, soccer jerseys, mulberry, ghd, beats by dre, soccer shoes, insanity workout, birkin bag, nike trainers, nfl jerseys, bottega veneta, hollister, nike huarache, vans shoes, baseball bats, herve leger, lululemon, mont blanc, abercrombie and fitch, instyler, chi flat iron, nike free run uk, nike roshe, new balance, celine handbags, nike air max, valentino shoes

11:46 PM  
Blogger ninest123 Ninest said...

karen millen, pandora jewelry, iphone 6 cases, swarovski crystal, louis vuitton, hollister, toms shoes, oakley, pandora jewelry, coach outlet, louis vuitton, louis vuitton, ray ban, thomas sabo, marc jacobs, swarovski, michael kors outlet online, louboutin, bottes ugg, supra shoes, converse outlet, vans, sac louis vuitton pas cher, converse, doke gabbana outlet, michael kors outlet, wedding dresses, replica watches, louis vuitton, lancel, timberland boots, hollister, pandora charms, ugg boots uk, ugg,ugg australia,ugg italia, michael kors handbags, ugg pas cher, pandora charms, montre pas cher, juicy couture outlet, gucci, juicy couture outlet, nike air max, ralph lauren, links of london, ugg,uggs,uggs canada
ninest123 09.19

11:48 PM  

Post a Comment

Links to this post:

Create a Link

<< Home