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  1. Possibly because Oyster was set up and operational long before PATH so a greater degree of knowledge and experience of operation, it is the largest operator in europe I believe. Secondonly Path still require adobe flash plugin for their site so clearly security isn't high on the agenda lol 😉
  2. It's not the cell phone signal but the rare earth magnets that can interfere is my understanding. Yes I read that the banking system is fragmented in the US and that merchants are reluctant to sign up to the new terminals at their cost. I believe what happened here to spur it, the banks stopped underwriting the loss if chip and pin was not available. Apple pay allows you to make higher payment amounts, which can be an added advantage for some. So in general then you wouldn't rely solely on the Apple pay. If you had a means to make a contactless payment securely with a card, quickly (i.e without having to remove the card from the wallet) would you use it more often for the MTA system let's say if you were on a call approaching the MTA terminal what do you do? pause the call and use the app?
  3. https://www.creditcards.com/credit-card-news/video-magnets-make-credit-card-mag-stripe-not-work-1457.php I think the mag stripe on paper tickets, is more vulnerable than those on credit cards, but these and hotel key cards are often held together with a phone and then sometimes in a short period become unreadable. Yes it is odd that in the US the process is the reverse of here, we had chip and pin and then contactless was introduced, but in the UK it was the advent of Oyster that really moved the market to wards contactless. With Apple pay, you don't worry or have a back up incase of battery failure?
  4. Ok, On the magstripe paper tickets used on the rail system we have had issue with mobile phones wiping the magstripes due to the rare earth magnets in the phones, that hasn't been an issue in the US with magstripe CC's? We haven't used magstripe for some time now, I don't recall phones at the time causing issues, but they didn't generally have the tech in them then they have now. Magstripe is still on the terminals, but if contactless fails, or is to high then it defaults to chip and pin, the magstripe never seems to be a fall back option.
  5. Is that how it works on the MTA currently? The cards can't be lasting that long if so surely?
  6. Yes funny the things we collect along the way! Have you checked to see if you have any unused balances on the Cards N6 Limited? No doubt we will see more of this? https://www.independent.co.uk/news/uk/home-news/tfl-dormant-oyster-cards-money-stored-refund-reclaim-deposit-transport-for-london-a8424336.html So in general the, in NYC there is not much take up or Contactless payments, for places like starbucks for example? If so do you think with the TFL type Oyster system being introduced into the MTA do you think it will lead to a boom in this form of payment spreading throughout NYC?
  7. ..this data is enough to make purchases online though. http://uk.businessinsider.com/black-hat-talk-hacking-emv-card-2016-8 However this doesn't address card clash or payment from the wrong card either However I guess the thrust of the argument I made is Contactless is not common in the US as much as say Canada your nearest neighbour, given the uptake in the UK since the TFL oyster payment system do readers expect the same in the US. What makes the payment process simple for users, removing the card and making the payment then returning the card to the wallet, having a plastic wallet to use for the card payment, thus perhaps two types of wallet being carried? Using a phone carries with it the need to ensure the batteries are charged. Sorry the post was to long for you, you clearly don't read NYT news articles lol
  8. Hi, With the MTA moving towards contactless payments, I wondered how much commuters rely upon it currently? Do you have 1 or more contactless cards for payment and whether you will use these or the MTA transit card solely for travelling? I just wanted to get a feel for how much of an uptake Contactless has currently ? If you are interested I have some figures on the uptake at London underground TFL system http://content.tfl.gov.uk/contactless-top-line-figure.pdf I'd be interested in your feedback.
  9. to add what I can when I can, but I am not a US based transit user, I'm interested in the take up of contactless payments and ticketing, and I'm researching for a new product I have developed for commuters which I hope to launch on Kickstarter. My wife works for the Railway in the UK so I have a very real connection to the rail industry and we travel a lot by rail here and in mainland Europe. For my sins I have taken Amtrack from Boston to New Orleans and New Orleans to Orlando, not an experience I care to repeat, although I enjoyed it, I hadn't realised how slow the trains ran, no offence!
  10. Paddington opposite the Brunel building

    © RFID Cloaked ltd

  11. That's an interesting comment. Why would you say RFID will be used for payment? NFC is used on contactless Credit/debit/transit cards not RFID. It is the same as the NFC used in phones. If it is anything like the TFL underground system in London then it is NFC. I'd be interested to see documents showing the NYC Transit system will be using RFID? Taking payment from an alternate card than the one you intend is a probability. Generally having multiple cards together can affect the reader, it can display a read error, however it can depend on the card and reader. These cards are mass produced they aren't particularly tuned (certainly the cards aren't) you can therefore encounter a situation where you have two cards same bank for example and one will read 5cm (2") from the terminal and the other 1cm (1/2"). Whilst in theory multiple cards can present read issues, if one is more sensitive (ie the card reading at 5cm) it can interact with the reader before the second card has had chance to power up and respond. Relying upon multiple cards to somehow shield you is not recommended. Equally yes a static shield which some like to call a faraday cage (which it is not strictly) is a way to shield your card, the issue comes when you want to use your card. You have to remove it from the shielding to allow it to work.. The idea of contactless NFC payments is speed convenience, a system to replace cash electronically. Unfortunately NFC is based on technology not originally designed for payment systems, thus the security is limited and it is run by the banks on a loss reward basis, they figure the losses are mitigated by the rewards and underwrite the losses themselves to get the system adopted. In the UK London making the Undeground (subway) contactless spurred a significant uptake in contactless as an accepted payment platform, I am sure the same will result from NYC Transit adopting the same. The issue is the same here as there: How do you truly make the payment operation safe, secure and fast? Getting your phone out and ready to pay, time, authorising the phone to make payment, ensuring you have enough battery power at the end of the day to get you home.... Using an NFC bank card, taking out of your wallet or purse to place it on the reader, then putting it back, is not a singlehanded operation, it leaves your card vulnerable to theft in your hand If it is safe in a RFID secure wallet you would have to take it out or place it in a pocket that isn't protected (kind of defeats the point of having the protected wallet?) what if you don't want to use that card but a different one you'd have to swap it again a two handed operation and time.. For Contactless payments to truly be effective we don't want to be worrying about lack of batteries, we need the card to be safe until the moment of payment. It needs to be able to make a payment single handedly so whilst holding a coffee or your phone with the other hand, and it needs to be fast, no good fumbling around at the terminal with fellow commuters backing up behind you! and you want to immediately decide between the two cards you could pay with at the last moment... That's making a payment that gives choice, security from miss-reading or cloning, can be carried out singlehanded in either hand and fast.. plus no batteries to worry about! Then we would have something that is both easy and safe to use which makes it convenient..
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