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

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injustifiiable
Valued Contributor

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

If I recall correctly, all of the Blue cards have RFID by default. I'm not sure if you can get it for Gold/Plat/etc but you can get it in the Zync if you call in and order.

 

I remember when they first came out with the Blue...it had a smart chip back then (this was 2001-2002)

 

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 21 of 25
trumpet-205
Valued Contributor

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


@Dustink wrote:

Usually somebody needs a name and address to use a card. So there is some protection there.

 

Also, only authorized RFID readers that are registered with their respective issue can process the card via RFID. So there is also some protection there.

 

I think the risk is just about as high as getting info stolen any other way. People don't generally get close enough to people they don't know for them to steal info via RFID, so again some protection there.


You don't need a name or an address. RFID stores the same information found on the magnetic strip. That alone is enough duplicate a credit card and use it in store.

 

RFID fraud is very similar to credit card skimming.

Message 22 of 25
Dustink
Valued Contributor

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


@trumpet-205 wrote:

@Dustink wrote:

Usually somebody needs a name and address to use a card. So there is some protection there.

 

Also, only authorized RFID readers that are registered with their respective issue can process the card via RFID. So there is also some protection there.

 

I think the risk is just about as high as getting info stolen any other way. People don't generally get close enough to people they don't know for them to steal info via RFID, so again some protection there.


You don't need a name or an address. RFID stores the same information found on the magnetic strip. That alone is enough duplicate a credit card and use it in store.

 

RFID fraud is very similar to credit card skimming.


Most fraud would take place on the computer. For now it is much easier and cost productive to hack a site and take their info. To scan a RFID then process it, and reproduce it on a credit card that can be used for big ticket items is more of a hassle. Yes, they can scan it then reproduce the chip and get some free McDonuts, but that is not what the averave criminal is after...haha

If they are serious enough to process and reproduce a credit card, they are just going to hack a site. If they aren't then they are just going to swipe somebodies physical card, buy some gas then do it again. RFID fraud is not a common problem yet, so many easier and more productive methods.

 

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Message 23 of 25
jsickz32
Valued Contributor

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


@injustifiiable wrote:

If I recall correctly, all of the Blue cards have RFID by default. I'm not sure if you can get it for Gold/Plat/etc but you can get it in the Zync if you call in and order.

 

I remember when they first came out with the Blue...it had a smart chip back then (this was 2001-2002)

 

 


so thats what it looks like on a zync or green?

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Message 24 of 25
injustifiiable
Valued Contributor

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


@jsickz32 wrote:

@injustifiiable wrote:

If I recall correctly, all of the Blue cards have RFID by default. I'm not sure if you can get it for Gold/Plat/etc but you can get it in the Zync if you call in and order.

 

I remember when they first came out with the Blue...it had a smart chip back then (this was 2001-2002)

 

 


so thats what it looks like on a zync or green?


That's the old Blue card before they went RFID. I don't think there's really any cosmetic difference on the Zync. The chip is just embedded in there.

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 25 of 25
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