496 karma · joined April 18, 2020
By 2029, no new Mastercard credit or debit cards will be issued with a magnetic stripe. Prepaid cards in the U.S. and Canada are currently exempt from this change."
But you can put it another way: if someone commit am identity fraud using a picture of your ID, you can defend yourself showing that you were required by many different entities to send a copy of your ID. So there are many parties that could have leaked your ID and a picture of you ID cannot be considered a prove that you authorized or allowed anything.
Case dismissed :)
Unfortunately most places still check these type of cards visually, but I hope that electronic verification will become more common in a few years.
For example these cards can be checked very easily simply using an NFC Android phone and the right app.
In US for something similar you can look at ICAO passports and Enhanced driver's license,
Some innovative use cases could be using the ID also as a gym card or as transportation card.
But yeah, you don't see that from Italy.
But I believe believe most Italian agencies or local governments (around 22,000) don't follow those guidelines yet.
"all this stuff is outsourced to consultancy firms that deliver unresponsive, buggy sites for absurdly high prices." it's a good description for MOST (not all) Italian Government web presence.
A new subdomain for every different "website" is the clean solution in my opinion.
The typical use case: you want to allow recurrent payment for your electric bill. You login in with your credentials on the electric company website, then you give them your IBAN and you press a button to accept the terms and authorize them. The company then checks that the name on your bill is the same as the name linked to your bank account and that's it, they are allowed to charge you.
I know that it does not seem secure, but the rate of fraud is really low, at least in my country:
- your bank send you a notification when some company activate a recurrent debit scheme on you account;
- you can see some days in advance on your home banking what you are being debited, and you can freely cancel the charge up to 8 weeks after it happened, for any reason. The chargeback is automatic;
- you have 13 month to ask for a chargeback if you believe you did not give authorization, and is the company that must prove that you really authorize them. The chargeback is automatic;
- to enable the scheme the company has to go through their bank, and the bank is responsible for the chargeback if the company does not pay. So only big and medium business are usually enabled by their banks, because they don't want chargebacks;
https://www.wired.com/story/sim-swap-fix-carriers-banks/
"The SIM Swap Fix That the US Isn't Using While foreign phone carriers are sharing data to stop SIM swap fraud, US carriers are dragging feet."
This usually happens beacuse some applications don't use by default the root CA bundle of the underlying OS to authenticate TLS connections, but require you to put each Root CA certificate in a trust store (ex. Java).
Some devs probably added just the Digicert root CA and forgot about it.
These kind of changes with certificate are always kind of tricky, because they usually work very reliably until they don't.
https://medium.com/@sonicaghi/why-is-espresso-in-america-so-...
http://www.winestockwebdesign.com/Essays/Eternal_Mainframe.h...