Originally Posted by aberdeen5698
I just prefer not to have my credit card number recorded on any more companies' computer systems than I can help. The more people have it, the more likely I am to have to deal with the fallout when it gets stolen. Since I use transit relatively infrequently, I prefer to manually top up the card from time to time at the Compass machine at my local London Drugs.
FYI, the largest credit card hacks of all time involve physical in store POS devices (Target, Home Depot, TJ MAX). Most identity theft and credit card fraud happens at physical locations where people steal your card with a pocket swiper.
That's not as big an issue here because of Chip and PIN, but a lot of chains still store your credit card number for record keeping and accounting purposes. So even though you avoid having your card "online", most likely the TVM stores your credit info, and uploads it to a database for accounting, making it basically "online".
Even then though, credit card data is either a tokenized pre-auth (valid ONLY for the business issued to) or an encrypted number in a database. Almost impossible to reverse and abuse if a database is stolen.
You are statistically more likely to be the victim of a compromised POS terminal or Bank Machine that will capture your PIN, therefore completely raping you in the ass (that's a totally valid legal definition of what happens to you if your PIN is stolen). I will take my chances online before trusting too many places with my PIN (hence why I tap as much as possible, no PIN).
YOU CANNOT ESCAPE IT unless you exclusively use cash. May as well give in and make your life easier. I think the benefits of balance protection and transfer on the Compass card is well worth the risk of leaving my credit card number on a website.
Originally Posted by Jimbo604
True true, though I think the gates weren't designed to actual physically prevent tail gating. They simply make it obvious who is doing it (and hasn't paid). It's then up to translink to intervene with these scofflaws.
I've noticed a few times at Scott Road station a couple of police officers in plain clothes hanging out near the gate, like they were talking, and they would pull aside people who would tailgate.
While I want to be able to use my phone, I think the big thing will be the ability to use credit cards. I STILL see people paying cash on the bus quite frequently, and the lines for the TVMs at certain stations is INSANE. If they can cut down on the use (and thus cost) of the paper tickets, while making the transit system more approachable by non-riders and tourists, it will generate a lot of money.