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posted by mrpg on Tuesday May 14 2019, @10:00AM   Printer-friendly
from the ohoh dept.

Europe is bracing itself for a big shake-up in how we pay for things online, which will have significant consequences for businesses across the region. Similar to how GDPR hugely impacted how millions of organizations handle personal data when it was enforced last year, Strong Customer Authentication (or SCA) will have profound implications for how businesses handle online transactions and how we pay for things in our everyday lives when it is enforced on September 14.

SCA will require an extra layer of authentication for online payments. Where a card number and address once sufficed, customers will now be required to include at least two of the following three factors to do anything as simple as order a taxi or pay for a music streaming service. Something they know (like a password or PIN), something they own (like a token or smartphone), and something they are (like a fingerprint or biometric facial features).

https://thenextweb.com/podium/2019/05/10/your-business-passed-the-gdpr-challenge-but-sca-is-next/


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  • (Score: 2) by ledow on Tuesday May 14 2019, @02:59PM (5 children)

    by ledow (5567) on Tuesday May 14 2019, @02:59PM (#843428) Homepage

    Good luck paying your gas bill in cash.
    Or electric.
    Council tax, etc. you might be able to, but you'll have to go there each month to do so or pay in a lump sum.
    Fuel for your car, sure.
    Car insurance? That sounds tricky.
    Weekly shopping, okay.
    Your internet connection, probably not.
    Your mobile phone, maybe, but only if you want to manually top it up each time and hand over your phone number to do so (which kind of defeats the point?)
    Any online service whatsoever? Nope.
    Paying for a holiday, possibly.

    In case you haven't noticed, cash is a pain to use nowadays. And I see no reason why you'd want a method without authentication. When your cash is nicked, you mis-count, or someone finds it, you have absolutely no control over what it's used for. You are effectively "running as root" all the time. One slip and you lose everything and it's almost impossible to get it back.

    It's 2019. I work a full working week. Life's too short to piss about handling cash, which is recordless. When I don't get the goods/services I request, I have a record of everything, can back my money out of the transaction, file disputes, etc. With cash, you're just stuffed. And you'll almost NEVER get refunded in cash. If you're concerned about mistakes, then hedge your bets over several providers and never lump all your money in one. And that one certainly shouldn't be cash.

    Unless you live literally hand-to-mouth, cash-only, in a cash-business, and have relatively low demands on your money while having all the time in the world to mess about, and a desire to cover your tracks in a way that puts up every red flag I can think of, not to mention tax evasion (either you're declaring the amount you earned and paying tax on it, or you're not - either way, you're creating a record of your activity that will arouse suspicion and which you're required to back up with receipts and evidence, or your breaking the law) then it's time to get into the 21st Century.

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  • (Score: -1, Flamebait) by Anonymous Coward on Tuesday May 14 2019, @04:42PM (1 child)

    by Anonymous Coward on Tuesday May 14 2019, @04:42PM (#843471)

    You completely misunderstand the issue.

    It's not that cash is inherently better than any other medium of exchange (well, aside from barter), it's that the evil socialists of the deep state are going to great lengths to identify and locate every single white male.

    Because they hate America and want to destroy it. They will do this by pinpointing the location of each white male (via their credit card purchases and cell phones), kneecapping [wikipedia.org] each one and then forcing them to watch the invading Muslim hordes (hidden under the skirts of every Guatemalan woman trying to get "asylum" in the US), rape their wives, daughters and sisters. But that's not even the worst part, as those big, beautiful darkie cocks will make every woman understand what they've been missing all these years.

    The deep state (despite, as those who've defined it don't make clear, contains mostly white men) hates white men and is doing everything it can to harm the US, its economy (despite the fact that they live there) and destroy the paradise of freedom that has existed in the US since 1565.

    We must only use cash and never take the same route home twice, or the next thing you know (this is scheduled for the week after next), every white man will have holes in their knees and images of their women sucking big, beautiful, hard, glistening, throbbing darkie cock burned into their brains for the rest of their short-ass lives.

    That's why people use cash. If you don't use cash, you hate America and are a pig racist who hates white men! But don't worry, the big, hard darkie Muslim cocks are coming for you too!

     

    • (Score: 0) by Anonymous Coward on Friday May 17 2019, @05:35AM

      by Anonymous Coward on Friday May 17 2019, @05:35AM (#844618)

      Good description of what happened to India. Which is why they now have a muslim problem.

  • (Score: 1, Informative) by Anonymous Coward on Tuesday May 14 2019, @09:40PM

    by Anonymous Coward on Tuesday May 14 2019, @09:40PM (#843605)

    " And I see no reason why you'd want a method without authentication."

    that's b/c you're not free. You're a slave.

  • (Score: 0) by Anonymous Coward on Wednesday May 15 2019, @04:55AM

    by Anonymous Coward on Wednesday May 15 2019, @04:55AM (#843696)

    You act as if there's something wrong with not wanting to be tracked 24/7 by governments and mega-corporations. No, privacy is more important than ever in the age of mass surveillance, not less. You have chosen to surrender completely to the surveillance state, which makes you part of the problem.

  • (Score: 3, Informative) by The Mighty Buzzard on Wednesday May 15 2019, @10:22AM

    I pay all of my bills in cash and in person every month, thanks. Twice a month I spend an hour in the morning driving around town and exchanging cash for receipts. It's even enjoyable if it's not raining for the getting out of the house aspect and the socializing so that you're not a faceless ledger entry aspect.

    --
    My rights don't end where your fear begins.