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Target Breach: Why Smartcards Wont Stop Hackers
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Mathew
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Mathew,
User Rank: Apprentice
1/31/2014 | 4:44:47 AM
Re: Smartcards are unnecessary. This is the Solution

Mark, that sounds like a very innovative approach. In fact, a version of that system is in use in Europe for online purchases. For every given card, the cardholder registers a password. As part of the payment process, they're then asked to provide the 1st, 3rd, and 6th (or some other combo randomly chosen by the card provider's system) letters of their password, to verify the purchase.

But can you imagine if this was introduced at POS terminals? I'd expect to see waiting times multiply. It also wouldn't work for anyone with vision problems. Related customer-service calls to card issuers would skyrocket. Unfortunately, I don't see the approach you outline being simple enough to succeed.

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