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Brick Two Factor Authentication with your Debit / Credit Card!
Posted by: xz3r0 - 08-01-2018, 10:31 AM - Forum: Advisories - No Replies

  • Extra level of security means you'll be asked by your bank to verify your identity

  • Typically, this will involve typing a unique code into the retailer's web page

  • Each bank will offer a variety of ways of getting hold of this vital new code

  • Most are expected to offer to send it as a text message to your mobile phone 
Shoppers will be asked for a special code when they use a debit or credit card to buy online under a major shake-up to be brought in next year to protect against fraudsters.

The extra level of security means you'll be asked by your bank to verify your identity before you can complete a purchase.

Typically, this will involve typing a unique security code into the retailer's web page after you have entered your card details and clicked 'complete purchase'.

This will be required in addition to the last three digits of the so-called CVV number on the back of your card.

Money Mail understands that each bank will offer a variety of ways of getting hold of this vital new code, which will be different for each purchase.

Most are expected to offer to send it as a text message to your mobile phone. But if you use a mobile banking smartphone app, you may also be able to generate a code there.

Other banks may enable you to obtain a code on a handheld device similar to the card readers customers of some banks use to log into their online banking.

Alternatively, banks could offer an automated call to your landline, where the code is read out by a machine.

Another possibility is a new type of credit and debit card where the CCV security code on the back changes every 90 seconds. 

These devices are still being developed, but if they are rolled out widely, customers will simply enter the three-digit CCV on the card — as they do now — to complete a purchase.

The type of verification you require may vary depending on whether you are shopping on your PC, tablet or mobile phone.

Under the new EU rules, banks have until September 14, 2019 to introduce these changes and are still finalising plans. However, many are expected to launch their new security protection for online shopping much sooner than that.

First Direct, the online and telephone division of HSBC, has already written to customers to explain they will soon have to enter a one-time passcode sent by text to complete certain online transactions using their Visa debit and credit cards.

Fewer than 2 per cent of online purchases currently require shoppers to enter a password before the sale is completed, according to Mastercard.

When this happens, a window pops up asking you to enter a password that you set up with Visa (through its Verified by Visa service) or Mastercard (whose scheme is called Secure Code), depending on which firm processes your bank's card payments.

Last year fraudsters stole a total of £310.2 million from victims by using illegally-obtained credit and debit card details to make online purchases, according to UK Finance, the industry trade body.

Money Mail revealed last week that the full financial details of a British person — including their bank account number, sort code and card information — could be bought for as little as £27 on the internet.

Under the new secure scheme, the number of online payments requiring verification is expected to increase to one in four.

However, some transactions will not require a verification code thanks to a few exceptions to the new rules. For example, you won't need a code for purchases of up to €30 (around £27).

You will then be able to make five payments of up to this amount — or spend €100 (£89) in total — before being asked for extra verification. 

Many banks will also allow you to set up a 'white list' of trusted shops and payees. You will need to prove your identity with a code when setting up or amending this list, but then you can make purchases without restriction.

Regular payments such as subscriptions, memberships or direct debits and standing orders will not require a verification code.

Banks that keep fraud levels low will be able to allow larger payments through without customers needing to go through an extra identity check.

For example, banks that keep fraud levels below 0.1 per cent of all their online payments will be permitted to allow their customers to make payments of up to €500 (£444) without a second check.

City regulator, the Financial Conduct Authority, will assess fraud levels every three months to ensure firms stick to the rules.

Even if a bank has low levels of fraud, it could still ask for a verification code for unusual purchases that do not fit your normal spending behaviour, or if you are shopping from an unusual place, such as via an internet cafe or hotel wifi on holiday.

The new fraud protections are being called Strong Cus- tomer Authentication by the banking industry.

Almost all electronic payments will go through this system, including card and contactless payments made face-to-face and online shopping on computers or smartphones.

The rules specify that customers can only use their cards when they provide two of three different forms of verification.

The first is using something you know, such as a Pin or passcode.

The second is using something you have, such as a mobile phone or card reader. The third is using something unique to you, such as a fingerprint or voice recognition.

That means no changes when you make Chip and Pin transactions, as these already use two types of verification — the card, which you have, and the Pin, which you know.

The £30 contactless payment limit will stay the same but you'll be asked for a Pin after five contactless payments or once you've spent €150 (£133).

Industry sources assured Money Mail that banks will ensure all customers who shop online can find a way of getting hold of the codes they will need to complete purchases. Typically that will mean selecting one of a variety of different verification methods, from text messages to automated calls.

A spokesman for UK Finance, the industry body, says: 'These changes are aimed at further enhancing payment security and reducing fraud.'

Source: A Murray Daily Mail a.murray@dailymail.co.uk


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  Windows XP
Posted by: kakashi2020 - 07-26-2018, 09:38 AM - Forum: Windows - No Replies

In my opinion Windows XP was the best Windows version ever.  It was launched in 2001 and ended it's support on 2014.  It was used by a lot of people for more than a decade.  I used it from 2002 until it became unsupported.

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  What is Fastest Smartphone Today
Posted by: kakashi2020 - 07-25-2018, 02:44 PM - Forum: Telecommunication - No Replies

When it comes to connectivity, speed and overall performance, what to you is the best and fastest smartphone today?

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  What MMO would you recommend?
Posted by: NoviceNinja - 07-18-2018, 01:32 AM - Forum: Game Hosting - No Replies

I’ve been a World of Warcraft fan since the very beginning, but I’m not going to write an extensive sales pitch for the game. It’s free to play up to level 20, so you can try it out to see for yourself. If you do buy into it, they provide one free boost to the endgame content so that you can join the rest of the group.

What I do recommend is that you try things out. If you like them, great, if not, try something else. Companies make this easy for you. You may also want to consider that maybe you're not that into MMOs. There are tons of open-world type games that are single-player as well, like Horizon Zero Dawn and the new Legend of Zelda: Breath of the Wild. Any of those could scratch your itch.

And no matter what you do, be ready for critics to tell you that you made the wrong choice. Snub them. Your fun is yours and yours alone to have. If someone doesn’t like your enjoyment, that’s on them. Enjoy yourself.

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  Mouse or touchpad?
Posted by: athanaskhalwale - 07-17-2018, 04:03 AM - Forum: Hardware - Replies (6)

Some people prefer connecting mice on their laptops even if they have functional touchpads. According to one of them is that using a mouse is faster and you can perform more functions than using a touchpad. What are your views, are there any advantages associated with using mice/ touchpads?

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  Decline in Phablet and Tablet Popularity
Posted by: kakashi2020 - 07-17-2018, 01:18 AM - Forum: Telecommunication - Replies (2)

I've noticed and read articles about the decline on the popularity of Tablets and Phablets which was very popular about 4 years ago, but since then a lot of people switched to big screen smartphones, which has a 5 inch to 6 inch screen.  Maybe it's because this new smartphones are more powerful with emphasis to its cameras and memory or more people opted for a mid sized screen which can still fit in their pockets.

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  How many online devices do you own?
Posted by: kakashi2020 - 07-03-2018, 02:19 AM - Forum: Telecommunication - Replies (5)

When it comes to online devices nowadays, a household or family of four usually has between 4-10 online devices.  I alone have 6 my kids have 4 and my wife 2, so that's a total of 12 for my household.  It includes Smartphones, tablets, laptops, pc, internet tv, and a game console.

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  PS4 pro or Xbox One
Posted by: kakashi2020 - 07-03-2018, 02:12 AM - Forum: Games - No Replies

When it comes to performance, games availability, controls, and online features which game console do you think is the best in gaming?

I'm all for PS4 pro because its cheaper at $399 to Xbox One's price of $499. Also there are more exclusive PS4 pro games coming out soon.

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  Your Best PS3 Games?
Posted by: kakashi2020 - 07-02-2018, 02:23 AM - Forum: Games - No Replies

I have both PS2 and PS3 and I just love playing with my kids, when it comes to PS3 the games I like to play are Batman games, Arkham City and Arkham Asylum.  Assassin's Creed 2 and 3 are the my next fave.  Then the Tom Clancy Gsmes, Rainbow Six series.

Which games do you like most?

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  Which countries will be the first to use 5G Internet?
Posted by: kakashi2020 - 07-02-2018, 02:15 AM - Forum: Telecommunication - Replies (9)

Top on the list of countries which will first use 
5G network is the United States starting late 2018 via Verizon and ATT.  Second is Canada via Telus Mobility in 2020.  Third is Mexico via Mexican Telecoms also in 2020.  Fourth is South Korea and Fifth is China all by 2020.

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