Any identity risks when using Amex ExpressPay, Discover Zip, etc?

[GoldenloveNY]

I have been using the ExpressPay feature on my ZYNC a lot lately. However, I am concern on how Amex ExpressPay and similar "contactless" pay options on credit cards can raise identity or fraud risks. What is being wirelessly  transmitted from the chip in my Amex Charge card to the machine? Can the information transmission be hacked by a computer hacker?

[jsucool76]

You can buy RFID readers on ebay for $10 and then hook them up to a computer and scan peoples cards through their wallet.

I would just always check the rfid reader and make sure it looks like it is supposed to be there, not like it was duct taped on. Only one of my cards has this option and i never really use it. It isn't really any easier than swiping a card.

Your risk is about as high as a waiter/waitress stealing your card # when they take your card ti pay the bill.

[trumpet-205]

RFID transmits your credit card information wireless. The data like magnetic strip, is not encrypted. You can even use smartphone to capture this information.

However, for RFID fraud to occur, thieve must be standing right next to you. RFID has incredibly short range. It will only be a problem if you are walking in a crowded area like New York or LA. Buying a RFID wallet or stuffinf aluminum foil inside your wallet is enough to shield unwanted RFID communication.

[injustifiiable]

There's always a slight risk with using any of those RFID cards. The machines themselves at POS stations are pretty secure, I'd just be worried about everyone else. Some folks can carry some equipment that can capture the card number and exp date and therefore have a field day.

They do have special wallets and protector sleeves that can block the signals.

ETA: If any fraud of this sort were to happen, you'd still be covered under the Zero-Liability policy from the issuer.

[GoldenloveNY]

Thanks.

[distantarray]

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@injustifiiable wrote:

There's always a slight risk with using any of those RFID cards. The machines themselves at POS stations are pretty secure, I'd just be worried about everyone else. Some folks can carry some equipment that can capture the card number and exp date and therefore have a field day.

They do have special wallets and protector sleeves that can block the signals.

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yea but at the sametime if you have to pull the card outta your wallet or putting it a protector sleeve it kinda defeats the purpose of NFC technology imo. 

[Anonymous]

I think it increases your odds of fraud. When my cards come with them I ask for one without it and they always send one. If you can pass your card across a reader you can swipe it instead just as easy.

[injustifiiable]

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@distantarray wrote:

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@injustifiiable wrote:

There's always a slight risk with using any of those RFID cards. The machines themselves at POS stations are pretty secure, I'd just be worried about everyone else. Some folks can carry some equipment that can capture the card number and exp date and therefore have a field day.

They do have special wallets and protector sleeves that can block the signals.

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yea but at the sametime if you have to pull the card outta your wallet or putting it a protector sleeve it kinda defeats the purpose of NFC technology imo. 

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That's true. I have a Chase debit card with the technology and like being able to just touch my wallet to the reader and be on my way. The only places around here that have the readers are McDonalds, CVS, soda machines at the train stations, and when I'm in NYC, the yellow cabs. lol.

[distantarray]

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@injustifiiable wrote:

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@distantarray wrote:

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@injustifiiable wrote:

There's always a slight risk with using any of those RFID cards. The machines themselves at POS stations are pretty secure, I'd just be worried about everyone else. Some folks can carry some equipment that can capture the card number and exp date and therefore have a field day.

They do have special wallets and protector sleeves that can block the signals.

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yea but at the sametime if you have to pull the card outta your wallet or putting it a protector sleeve it kinda defeats the purpose of NFC technology imo. 

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That's true. I have a Chase debit card with the technology and like being able to just touch my wallet to the reader and be on my way. The only places around here that have the readers are McDonalds, CVS, soda machines at the train stations, and when I'm in NYC, the yellow cabs. lol.

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convient stores usually have them too which makes it perfect for Chase Trifecta on the Freedom card which I opted, since I get 10 points extra for having checking / freedom for purchases under $20 it's recommneded to use the freedom for everything since it's basically 2 points for everything.    So a $1 coffee will get me 11 points/cents value back. 

[GoldenloveNY]

Some places like Walgreens it's not worth it. I pass my card across their machine, but I still have to tap the screen, select "credit", and select "yes" when it ask me if the amount is okay. What's the purpose of having ExpressPay then? CVS, on the other, just processed my charge, and I am done in a sec.