Absolutely. Contactless is pointless and expensive as fuck for merchants. I can't imagine many businesses where the "neat-o" factor from a few phone enthusiasts to be able to pay with their phones is going to outweigh the costs.
You do realize that newer EMV cards support contactless payments as well, right? No phone needed. You get the convenience of "tap and go" with the added security that EMV provides.
I like the looks of Apple Pay, and think it's a great move forward but even as an Apple fan, it seems bizarre for Apple to move forward on their own payment standard rather than the industry creating one. I mean, I know they did it so that they could skim profits off the top, and that they got away with it because they're worth 700 gazillion dollars and could probably make demands of the ocean, but I really wish this had come about via an industry standard.
You don't get to be first to market by waiting for an industry standard. In fact, if you wait for that to happen you probably won't even get into the market. You build it out as fast as you can using as much existing infrastructure as you can, then pivot if and when the industry gets around to creating a standard. In the meantime you build a leading market share and can even leverage that during the standards creation process.
For those who still want to believe that there's a long-term future in coding
By not having a felony conviction?
But so I ask, how is this different than online backup service providers like Mozy and CrashPlan that allow client-side encryption and end-to-end encryption??!?!? Or even Amazon S3 for that matter?!
Or taken alternately we can hypothesize that these service providers are different in some way. This would lead us to wonder what is different about these providers that causes the government to leave them alone? That's where things start getting interesting.
So it appears to be linked to the lighting conditions that your eyes are adjusted to when seeing the image initially... even after they've adjusted to the ambient light, the brain appears to stick to the image it created initially.
Here is a pretty good explanation of why this might happen.
That I do not possess any keys I could hand over when I have to travel to anywhere where any violent regime can easily access me physically and use torture to extract such a key.
If you live in the US it's already too late.
The problem is that Softcard payment requires more steps than you think:
Don't forget the effort to unroot your phone in order to install the app. I unrooted mine just long enough to spend their bribe money.
As for mail order, I'm sure Visa/MC will continue to have a web object that pops up, asks for a PW or PIN, which is used for shopping via the Internet.
This is truly where credit card fraud is going to go in the next few years. As EMV rolls out in the US (finally!) credit card fraud is going to move online. Card not present transactions will be the next target and participation in multifactor authentication schemes like Verified By Visa and MasterCard SecureCode will become critical and possibly even mandatory.
It's also real life imitating art, because the protagonist of Charles Stross' novel Accelerando ( https://en.wikipedia.org/wiki/... ) uses this technique and becomes persona non-grata in the US. The book came out in 2005.
I believe that Cory Doctorow's protagonist used this technique at one point in Eastern Standard Tribe as well.
Personally I think it's insane that a civil crime such as a breach of copyright terms is treated as a criminal matter more serious than assaulting someone and leaving them with injuries that will be with them for the rest of their life.
Here in the US we have the best legal system that money can buy.
And much like the manufacturer of a hammer, they have no way of knowing whether that hammer will be used to nail together pieces of wood or open up the back of someone's head, and so they are therefore not responsible when someone misuses the tool which is intended for beneficial use.
When all you have is a hammer, everything looks like a skull.
The perfect keyboard has been around for a long time an IBM M13 mine is nearly 20 years old and in perfect working order. While I like the larger keyboard with f13-24 it's a pita to get many OS's to use them. You can also bludgeon an intruder with it and go back to typing.
Even better, you can wash the blood off with running water.
Real navigation keys are called H, J, K, and L.
You obviously meant C-b, C-n, C-p, C-f.
There has to be an equivalent to Godwin's Law that covers this....
Overload -- core meltdown sequence initiated.
