Everytime I swipe credit/debit card at a shop, some authentication is performed?\nHow does the authentication work? I also notice that the reading machine dials a number and authenticates the card.\n Is this performed by a third party single entity or managed by different entities such as banks? \n\nThank You
210046
this authorization is done electronically but goes through the companies which have issued you the card
640462
There are a few of reasons vendors ask for CC type including security.  They want to make sure you're not just pulling the number from some random piece of paper found somewhere.  I addition to that, since many vendors usually work with certain software programs that require a credit card type before the number, name, and expiration date actually appears on the screen.  My guess for that is the software needs to recognize which additional security fields will be displayed for the corresponding card type.
66709
Ive just seen biometrics implemented at some colleges in security applications. The students open a sort of bank account and the make purchase on campus, but instead of using a debit card the just scan their thumb print. Pretty cool stuff. I also saw that (again I can't remember the facility or company implementing the technology) a company is injecting employees (with employee consent ofcourse) with a chip that will work like a key to allow access to certain areas of there facility. Works just like a key card, just wave your arm infront of a sensor and the door is unlocked if you possess authorization. \nhttp://wirednews.com/news/school/0,1383,53912,00.html\nhttp://www.gahooyoogle.com/search.php?st=Web&q=biometrics+implementation\nIBM is also using biometrics for security on there systems: \nhttp://www.pc.ibm.com/us/thinkpad/short_desc.html#fingerprint
428737
not all places do picture ids... or even ids.... i just have a yellow piece of papper..... i lost it tho.... it was 2 big 4 my wallet.... but u can usually tell whos made of wood, cookiedough or steel by talkin 2 em and askin questions
136068
Its a fingerprint reader. Since no two people in the world have same thumb prints and wrinkles do not wear off according to age or over time, thumbprinting is taken as one of the most safe security systems. Your thumbprint is stored in a machine. and when you impress ur thimb on the reader it goes through the databse and finds the identity match. These are used in the CIA and FBI to identify criminals too. Yes, these are also used in ATM machines. However, the better and coslier technology is retina scanning where your eye is scanned.\n(I gave u such a long and detailed answer, plzz rate as best answer)
89399
There seems to be a rash of these scams lately. It's just a standard phishing scam. They just want your credit card number.
627127
I have not seen any Bank giving credit/debit card on line. It may be a futile exercise. also I do not sugest u reveal your persoal information to any one here. experiences are not good. experience is the best judge.
476466
I am not sure about where you are, but in the UK a retailer is free to set whatever limit they want for charge cards - often £5 minimum payment.\n\nAs for ID, if the person was purchasing alcohol for example, they may be REQUIRED to see ID, credit card or not.\n\nIf the retailer feels the card may be stolen, they should do a "code 10" call - iirc - to check the card's validity
30496
The only way would be to duplicate the card, either from the card itself or from bank records.  Someone working in a store may have a card reader/duplicator and run it thru their own machine when they charge a purchase.  Most people use a simple PIN that can be guessed, or write it down, often on the card!\n\nAnother trick is to call in a lost card report, then steal the card out of the mailbox when it arrives.
498499
It has been a few years since I worked with an online credit card account.  However, what I remember is this:  The processing is actually done in two steps.  1) The verifying --Verifies that it is a good card, and that the amount of the sale is available in the account, and  2)  Settlement -- Settlement is when the "charge" actually happens.  I actually had to go online and select the transactions for "settlement".  This was because we were not allowed to charge the card until the product shipped.  So, I suggest that there may be a way for you to verify, but not settle.  It may be that you could void the transaction as soon as it was verified.  That part I'm not sure about.  You may also be forced to verify with an amount.  You could use something nominal, say $.50.  Again, you would then need to void the transaction.
236858
It's often called the CVV CV2 or CVC number - all the same thing.\n\nBasically it's the 3 digit number on the back of the card (4 digits for AMEX) that usually follows the last 4 digits of your card number.  It's found on your signature strip.\n\nIt's used as a barrier against fraud and when provided proves the user has the card in his / her possession or at least has had sight of the card they're using.\n\nIt prevents people finding your number on e.g. a shopping receipt and using your card fraudulently.
423196
There isn't one.  You pick what you want, fork over your credit card number and, if you receive it, hope it's what you expected.\n-MM\n\nEDIT: There is no logon screen.
543531
its called a test debit.the credit card company are seeing if the details you have given them are true and also to see if you can afford to have a credit card.....it will appear on your account and disappear next day.this happens a lot when you switch items on a debit card its nothing to worry about but to put your mind at rest phone the credit card company...........
420384
i dont know , if you have never asked for an other card or an acount from your bank then it could be a scam , in your positon will call my bank and verify using the number from the yallew page not that number, if it not right i will report it ,u have to always to verify because it could be a big scam that some one trying to get to your debit card info"number and exparation date ,name" to get to your money ,because it easy to make ppl believe that them bank calling them by using the computer generating system , to be honest i have never trusted even my credit card when they call me ,i awlays tell them that i will call them back and i use the real number that i know and i ask for that department if it exist then i ask what was the reason for calling me , any way never give your personal info t any one and goog luck
526317
Never respond to those unsolicited calls. They are phishing and looking for a steal-able identity. Even if the call was legitimate it does not mean you just get the approval. They do a credit check on you AFTER you tell them you want the credit. If you never had a card like that chances are they are calling from a list of people who are not credit-savvy and would fall for a scam.
246014
You responded to my question on authorization denials- whether they needed to be reported to the card holder or not.  Your answer was the most articulate and seemingly knowledgeable I received- I'm not in the banking industry so have to take your word for it.\n\nYou're looking for some wisdom eh?  Write a book in the spare time you play talking to countless throngs that use venues like this as entertainment.  You're much to intelligent and well written to waste your time drumming up silly questions just to fill a void of loneliness.\n\nI don't mean to preach to you and perhaps I exceed some kind of protocol here but there was something in your posting that sparked me to write.  \n\nHave you read the book The Celestine Prophecy?  Don't even think DaVinci code here.  Proph is a fun book and will make your brain ticker melt down with possibility.  \n\nThanks for answering my question.  I hope you meet someone out there who fills your void.
645910
It doesn't quite work like that. Ebay is pretty safe, I don't know of it being hacked. Not only that, but you usually don't give your credit card info to ebay, you give it to paypal.com (an e bay company). Anyway, there is a scam out there, it's considered "phishing". I've received several of these "phishing" e mails claming to be from my bank, ebay, my ISP whoever. It says something along the lines of "you owe money" or "your credit card has expired"   There's a link that takes you to a fake website. I got one that claimed it was ebay, and they wanted updated card info. I knew it was a scam, but i wanted to check it out. The ebay replica was pretty accurate, and the web address wouldn't tip off the average computer user.\nAnyway, yes there are fake sites out there, usually just mock ups from "phishers" My advice is to not give out your credit card unless you have typed in the web addy yourself and know what it is.