OT - Open Banking

What a stunning line in rational argument you have there.

No.

No. The only thing the me chant gets is the one time token that is completely useless for any further transactions.

Clearly completely blotto, as always.

There is no pin number with ApplePay.

No such animal with ApplePay.

Reply to
Hankat
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We wer not talinmjkg about apple pay. We were talking about online transactins.

So how much to tyou have to pay Apple to be able to have a device that can run apple pay?

You are Denis and I claim my 5 euro

Reply to
The Natural Philosopher

Yes we are when you have enough of a clue to put your cards on ApplePay for the vastly better security that provides and so you don?t have to even consider how dodgy the merchant may be or whether they might have modified their card machine to grab your card details when you use your card in their place.

We were talking about online

Just as true with ApplePay used for online transactions, no online merchant ever gets any of your personal information that can be used to do other fraudulent transactions after the one you chose to do using ApplePay for the vastly better security of your data.

Irrelevant when you have one of those already.

And AndroidPay is almost as secure, particularly if you choose a handset that will not do AndroidPay transactions unless it has been unlocked.

Reply to
Hankat

No that wouldn't be sensible. But if he'd had problems with a significantly higher proportion of Pakistanis than, say, Poles, he'd be within his moral rights to discriminate. You could call this racism, but actually it's race-based generalisation. Generalising helps us survive as a species. If your personal experience of Yorkshire Terriers has been that they bite you are sensible to avoid them. When I was working an an aerial installer I would sometimes pull up outside a house, look the place up and down, and drive off. It was because I'd learnt that the people in houses with a certain exterior appearance were less likely that normal to be good customers. That was unfair on the ones in such houses who were perfectly OK but my first priority was to maximise profit. My friend has just been turned down for a mortgage because the house has a flat roof. We've been up on the roof. It's new, and perfect, and it has a 25 year guarantee. But the building society don't lend on flat roofed properties because they've been stung before.

Bill

Reply to
Bill Wright

We all have every right to generalise. It helps survival and profits.

Pubs turn away bikers.

Bill

Reply to
Bill Wright

As a matter of interest are you still covered for transactions above £100? When making a purchase by CC of above £100 the CC company is also liable in law for refunds etc. if the original retailer goes bankrupt etc.

By using a third party in the transaction do you lose this legal right? You have a transaction (contract) with the retailer and the Applepay and then Applepay has a different transaction with the card company. You haven't actually used your card for the initial transaction.

Reply to
alan_m

Yes, and those can't be fraudulent transactions anyway.

No. And there is no third party anyway.

Yes.

No.

Just like who the merchant uses for their transaction processing terminal isnt relevant with physical cards.

Yes you have, just like you have regardless of who the merchant chooses to provide their transaction terminal.

True in spades with online transactions and who the merchant uses to handle the transaction.

Reply to
Hankat

"vastly better" is an odd way to spell "inferior".

Reply to
Huge

And "Hankat" is an odd way to spell "Rod Speed"

Reply to
Richard

Really? Thanks ...

[Duly plonked]
Reply to
Huge

Without generalisation we would not survive.

Only a bigot wouldn't stroke a tiger and say 'nice pussy'

Reply to
The Natural Philosopher

In the Yorkshire Dales and Moors pubs, bikers are very welcome - in fact, across the whole of the UK I cannot recollect having seen recently a 'no bikers' sign. People generally are far more intelligent (1) than to let a small section of a group influence their overall thinking. Even more so when that view is based on historic prejudice.

(1) I do note the exceptions particularly on this group.

Reply to
Mark Allread

Well thank goodness for that!

and if his experience had been with one of the many British run stations or other British conmen, thieves, whatever I'd be delighted if he would then admit to using precisely the same level of caution.

Reply to
Mark Allread

I really like bikers. Lots of em turn up at our local.

Reply to
The Natural Philosopher

Nothing inferior about adding one time tokens to what is used with contactless cards so the merchant never gets anything that can be used again after you have left the store or have done the online transaction and never gets anything they can do fraud with.

AndroidPay is almost as secure for the same reason. The main aspect of less security is that some android phones will do an AndroidPay transaction without being unlocked and so someone stealing or finding the phone can do some AndroidPay transactions, That risk is easily avoided by not having one of those phones.

Reply to
Hankat

I just got an email from my bank, mainly about their UK ring-fencing, but it also included this ...

"Open Banking will enable you to share your bank account data with other companies if you give permission. This means you will be able to see multiple bank accounts and transactions in one place (for example on your Barclays Mobile Banking) even if they're from different banks. You will also be able to allow other companies to give payment instructions from your account. If you don't want to use these new services, you won't notice any differences in the way you bank, as you will always have to provide permission for the new services."

Reply to
Andy Burns

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