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byPowercntrl ( 458442 ) writes:
Is there really any reason we can't just make pennies out of plastic instead? Personally, I haven't used cash in ages anyway so I'm really neither here nor there on running out of pennies, but it seems like if the problem is just that they cost too much to manufacture, make them out of something cheaper.
byserviscope_minor ( 664417 ) writes:
Or just scrap them as a denomination. I'm in the UK where pennies are worth fractionally more. It is now worth considerably less in real terms than the 1/2 p coin when that was scrapped. I, personally in favour of scrapping copper coinage completely. Round the tally to the closest 5 and be done with it.
byAmiMoJo ( 196126 ) writes:
I don't even regularly carry cash anymore. Phone generates a random credit card number for anonymity when shopping, that's good enough.
byViol8 ( 599362 ) writes:
"Phone generates a random credit card number for anonymity when shopping"
Huh? How can you pay with some random card number? And no payment method is anonymous , you simply move who knows from the shop to apple/google and your bank still knows you spent money either way.
Also I don't understand people who pay with a phone when contactless bank cards are simpler to use and faster. Just smacks of showing off.
bymacwhiz ( 134202 ) writes:
Apple Pay doesn't share your card number ("primary account number" or PAN) with the merchant. It shares a device-specific Device Account Number (DAN) and a one-time-use token that's computed cryptographically. If the payment terminal is compromised, the bad guy gets the DAN and the token, not the PAN—and the token's already been used, so it's useless to them. The DAN isn't usable without a valid token.
Of course your bank knows about your transaction. But unlike using your card's magnetic stripe or EM
byViol8 ( 599362 ) writes:
"As for faster... it's much faster to double-click the side button on one's Apple Watch and then tap it to the payment terminal than to fish a card out of your wallet..."
Why do you have to fish a card out of a wallet? Any sensible person just keeps a single contactless on one side of the wallet
then flip that side on the reader. No button press required and neither to you have to spend $500 on some ridiculous watch on top of your phone.
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