Urban75 Home About Offline BrixtonBuzz Contact

The end of cash?

Can they be fooled with a (printed) photo of you?
I don’t think so. Maybe if it was a super-perfect one? But either way, you need to be looking right at the camera — if your eyes aren’t looking right at that camera, it won’t unlock. That alone would rule most photos out, I suspect.
 
You don't need to open it to pay (unless switching cards), just to add them.
Depends on your phone. I used a revolut card on google wallet for travel money last year and I've used it a couple of times since then when I've been out without cash or cards and suddenly wanted to buy a snack or something, and I have to unlock my phone and then open the app and click on the card.
 
Thinking again about data harvesting...do Google retain the information about your transactions when you use their wallet?
With a bit more energy (& less beer) I've bothered to look this up for myself and it appears that Google wallet users do surrender considerable private data for the 'convenience' of using their phone to pay for stuff...

1691652400343.png
 
Depends on your phone. I used a revolut card on google wallet for travel money last year and I've used it a couple of times since then when I've been out without cash or cards and suddenly wanted to buy a snack or something, and I have to unlock my phone and then open the app and click on the card.

I had revolut for a while for the same reason. Don't think I had the issue, sounds like a bug. Their website says you shouldnt have to do that. Maybe remove the card and re add it?

Ditched them when I got Starling as they also do the free travel money thing from a proper bank account. Found I couldn't use Revolut with Pay at Pump in France and unattended filling stations are way more common there then the UK.
 
I don’t think so. Maybe if it was a super-perfect one? But either way, you need to be looking right at the camera — if your eyes aren’t looking right at that camera, it won’t unlock. That alone would rule most photos out, I suspect.

I think Apple nailed it (well till Covid came along). I think there was an issue with the Samsung version that you could, but I'd hope they sorted it by now.
 
I had revolut for a while for the same reason. Don't think I had the issue, sounds like a bug. Their website says you shouldnt have to do that. Maybe remove the card and re add it?

Ditched them when I got Starling as they also do the free travel money thing from a proper bank account. Found I couldn't use Revolut with Pay at Pump in France and unattended filling stations are way more common there then the UK.
It's google wallet and I have to do it for any cards or travel passes etc.
 
I'm not brave enough to untick that bottom one. I don't find unlock to be that much of an impediment.
 
I'm not brave enough to untick that bottom one. I don't find unlock to be that much of an impediment.

Maybe your right. When I did a brief stint for Barclaycard as temp in early 00s and bored out my brain with no Internet, I found myself reading their internal intranet with nothing better to do. It was before mobile payments were a thing, but they'd done studies that suggested people notice a missing phone way quicker then a missing card. I think I certainly would.

Of course with no phone I'm sure what I'd do. Maybe borrow my partners and do a remote wipe.
 
I'm not brave enough to untick that bottom one. I don't find unlock to be that much of an impediment.
I have mine set to disable if the screen is locked. I've had a credit card stolen twice (once abroad) the one in Rome I noticed immediately, the one here it took me a few hours by which time the shitbags had spent a grand on it (refunded so I didn't loose anything). Disabling a credit card is easy one phone call and it's done, disabling a stolen phone is a lot harder especially since I would have to come home to get my tablet and disable Wallet possibly phone multiple card providers. Requiring it to be unlocked buys me time to do all that.
And as you say unlocking it first is not an inconvenience.
 
With a bit more energy (& less beer) I've bothered to look this up for myself and it appears that Google wallet users do surrender considerable private data for the 'convenience' of using their phone to pay for stuff...

View attachment 386591

While these may look scary, I suspect what that most of that is really just back end stuff needed for the app to function properly. It obviously needs to store card info for a card to work, and it needs to meet security requirements for multiple jurisdictions.

What is omitted there is any mention of use for purposes outside functionality, fraud prevention and compliance. If you have a consumer contract that explicitly states the above quite limited use, and then have some back end clause saying 'and actually we'll use it for advertising' I am fairly sure you're stepping on a bunch of big regulatory shoes.
 
While these may look scary, I suspect what that most of that is really just back end stuff needed for the app to function properly. It obviously needs to store card info for a card to work, and it needs to meet security requirements for multiple jurisdictions.

What is omitted there is any mention of use for purposes outside functionality, fraud prevention and compliance. If you have a consumer contract that explicitly states the above quite limited use, and then have some back end clause saying 'and actually we'll use it for advertising' I am fairly sure you're stepping on a bunch of big regulatory shoes.

Yes. If someone was trying to add my card to a wallet in Nigeria I'd quite like Google to on it with the location.
 
While these may look scary, I suspect what that most of that is really just back end stuff needed for the app to function properly. It obviously needs to store card info for a card to work, and it needs to meet security requirements for multiple jurisdictions.

What is omitted there is any mention of use for purposes outside functionality, fraud prevention and compliance. If you have a consumer contract that explicitly states the above quite limited use, and then have some back end clause saying 'and actually we'll use it for advertising' I am fairly sure you're stepping on a bunch of big regulatory shoes.
Yes, I get that, and what UnderOpenSky added below your comment, but quite obviously one consequence/cost of the 'convenience' of using this corporate app is your own personal contribution to their data harvesting that, albeit in an anonymised form, will be sold on for their profit. Now if that's a deal you're happy with, then fine...but it is something that some people will not want to be part of.
 
There is of course another reason for having cash - the protest payment of a fine, an overdraft or similar.
People who pay their £20 fines or how ever much in pennies or 5p pieces just to make a point.
 
I was thinking the other day that the Treasury could one day approve a circulating £5 coin as they did with the two-pound.
and what’s the beef with £2 coins? They are great. I know I said that ages ago. They are sizable nuggets of metal but at least still have some value. as opposed to shiny slippery notes. that can easily slip out of your pocket or wallet.

What? No! Coins slip way more easily out of pockets than notes ever did. No more expensive coins!
 
the bar
the girl selling shots on the floor
the 24 hour burger van outside
the kebab shop a hundred yards down the road.
he taxi home
Taking denominations of £50 a time is not the behaviour of any of the above. I just thought there'd be some risk attached to such dubious transactions at that time of the day.
 
Last edited:
Yes, I get that, and what UnderOpenSky added below your comment, but quite obviously one consequence/cost of the 'convenience' of using this corporate app is your own personal contribution to their data harvesting that, albeit in an anonymised form, will be sold on for their profit. Now if that's a deal you're happy with, then fine...but it is something that some people will not want to be part of.

No, my point is that they can't do that unless they tell you they will. If you have explicitly stated that you are going to use data for specific purposes, you can't then hide a clause somewhere else saying you'll use it for something else. Consumer contracts in the jurisdictions I think we all live in are quite restrictive... You can get away with it in something like a clubcard app where it is explicitly stated on sign up, and where the data isn't as sensitive. I can't say definitively of course, I mean it's a screenshot, but the use of data google pay collects is very likely restricted to the above things.
 
No, my point is that they can't do that unless they tell you they will. If you have explicitly stated that you are going to use data for specific purposes, you can't then hide a clause somewhere else saying you'll use it for something else. Consumer contracts in the jurisdictions I think we all live in are quite restrictive... You can get away with it in something like a clubcard app where it is explicitly stated on sign up, and where the data isn't as sensitive. I can't say definitively of course, I mean it's a screenshot, but the use of data google pay collects is very likely restricted to the above things.
AFAICS they only contractually promise not to sell your (personal) data; the real monetisation comes from the sales of macro-anonymised data.
 
AFAICS they only contractually promise not to sell your (personal) data; the real monetisation comes from the sales of macro-anonymised data.

I can't find any particular details on this, but suspect that the fact pay is... a payment facility... and has to comply with regs across multiple jurisdictions will probably further limit how they can use any data collected. It is in any case something very different from 'Google wallet users do surrender considerable private data'.

The muddy area is probably more when they tie in with loyalty schemes.
 
I can't find any particular details on this, but suspect that the fact pay is... a payment facility... and has to comply with regs across multiple jurisdictions will probably further limit how they can use any data collected. It is in any case something very different from 'Google wallet users do surrender considerable private data'.

The muddy area is probably more when they tie in with loyalty schemes.
Whatever, I’ll have no part in it for as long as possible; it’ll be cash where practicable and contactless if strictly necessary. Fuck enriching the corporations.
 
i have always found it weird how in the UK the 50 quid note has never taken off as a normal thing, seeing one is rare, i don't think i've ever used one, perhaps seen them a dozen times in my entire life. but in Europe using a €50 note is totally normal, it's often the standard note given by ATMs (which often don't have €20 notes, and NEVER have tens or fives) - and in the US it's similar, using a $50 or even $100 note is not a big deal, happens quite regularly. i wonder why that is.
 
Back
Top Bottom