[access-uk] Re: Accessible bank card

  • From: lsmithso@xxxxxxxxxxxxxxxx
  • To: <access-uk@xxxxxxxxxxxxx>
  • Date: Wed, 4 Mar 2015 07:46:49 +0000

That happened to my sighted wife in Tescos once, and she hadn't even
asked for cashback.  To their credit they refunded the money with no
quibble at all,

Barry Hill writes:
 > I've heard of this happening in stores with cashback.  Ask for £20, they
 > ring it up as £50 and pocket the difference.  Whenever I get cashback, I
 > always get the maximum £50, although I have a feeling that some places have
 > a £100 maximum.  Can anyone confirm this?
 > 
 > Cheers
 > 
 > Barry
 > 
 > 
 > -----Original Message-----
 > From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of
 > Derek Hornby
 > Sent: Tuesday, March 03, 2015 9:07 PM
 > To: access-uk@xxxxxxxxxxxxx
 > Subject: [access-uk] Re: Accessible bank card
 > 
 > Trust,  is the name of the game, trust.
 >  
 > What if you  go to the bank  wanting say £100
 > If the counter staff  fill in your withdrawal  slip  for £120
 > then  hand you  £100  and pocket  £20
 > 
 > Very easy  to take  advantage  of the blind.
 > 
 > Derek 
 > 
 > Derek
 > 
 > 
 > -----Original Message-----
 > From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On
 > Behalf Of lsmithso@xxxxxxxxxxxxxxxx
 > Sent: Tuesday, March 03, 2015 8:49 PM
 > To: access-uk@xxxxxxxxxxxxx
 > Subject: [access-uk] Re: Accessible bank card
 > 
 > 
 > My biggest problem with any of these terminals is how do you know what
 > your card is being charged, when you can't read the display? At least
 > with cash you know what you hand over and what change you get back.
 > 
 > I guess payment terminals would need to be equipped with TTS. It will
 > never happen.
 > 
 > 
 > Derek Hornby writes:
 >  > Yes,  I think  sometimes,  some people don't like change.
 >  > 
 >  > For example why  is there chip and signature?
 >  > 
 >  > Surely  if one is able to use  a mobile  they should be able  to
 > use
 >  > chip  and  PIN
 >  > 
 >  > The only problem with  chip and PIN  is,  in my view,
 >  > the key  pad  design can vary.
 >  > 
 >  > Derek 
 >  >  
 >  > 
 >  > -----Original Message-----
 >  > From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On
 >  > Behalf Of lsmithso@xxxxxxxxxxxxxxxx
 >  > Sent: Tuesday, March 03, 2015 8:19 PM
 >  > To: access-uk@xxxxxxxxxxxxx
 >  > Subject: [access-uk] Re: Accessible bank card
 >  > 
 >  > 
 >  > And for balance:
 >  > 
 >  >
 > http://www.thisismoney.co.uk/money/saving/article-2328578/How-safe-new
 >  > -contactless-bank-cards.html
 >  > 
 >  >
 > http://www.which.co.uk/money/credit-cards-and-loans/guides/contactless
 >  > -cards/
 >  > 
 >  >
 > http://www.computing.co.uk/ctg/analysis/2327179/contactless-payments-a
 >  > re-we-sacrificing-security-for-convenience
 >  > 
 >  > 
 >  > Interestingly, you are responsible for the first £50 of losses due
 > to
 >  > fraud (is that standard for any kind of card), and contactless
 >  > terminals ask for a PIN after every six or so transactions.
 >  > 
 >  > 
 >  > Derek Hornby writes: > Hi Barry > You may find this link of
 >  > interest:
 >  >  > 
 >  >  >
 >  >
 > http://ask-leo.com/can_my_credit_card_information_be_read_remotely.htm
 >  >  > l
 >  >  > 
 >  >  > it's about reading  credit cards  remotely
 >  >  > 
 >  >  > Derek 
 >  >  > 
 >  >  > 
 >  >  > 
 >  >  > 
 >  >  > -----Original Message-----
 >  >  > From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx]
 > On
 >  >  > Behalf Of Barry Hill
 >  >  > Sent: Tuesday, March 03, 2015 5:41 PM
 >  >  > To: access-uk@xxxxxxxxxxxxx
 >  >  > Subject: [access-uk] Re: Accessible bank card
 >  >  > 
 >  >  > Ah, thanks for that.  Could someone else use their smart phone
 > to
 >  > read
 >  >  > your
 >  >  > card if they got close enough, which isn't difficult with blind
 >  >  > people?
 >  >  > 
 >  >  > Cheers
 >  >  > 
 >  >  > Barry
 >  >  > 
 >  >  > 
 >  >  > -----Original Message-----
 >  >  > From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx]
 > On
 >  >  > Behalf Of
 >  >  > lsmithso@xxxxxxxxxxxxxxxx
 >  >  > Sent: Tuesday, March 03, 2015 4:51 PM
 >  >  > To: access-uk@xxxxxxxxxxxxx
 >  >  > Subject: [access-uk] Re: Accessible bank card
 >  >  > 
 >  >  > 
 >  >  > NFC = Near Field Communications = The technology used to read
 >  >  > contactless
 >  >  > smart cards, payment cards etc. I believe that the card number,
 >  > expiry
 >  >  > date
 >  >  > etc can be easily read by a smart phone. Its then a simple step
 > to
 >  >  > read
 >  >  > those out loud using the 'phones TTS. It looks like contactless
 >  >  > versions of
 >  >  > credit/debit cards are available from a lot of banks, so this
 > may
 >  > be
 >  >  > an
 >  >  > alternative to adding Braille to credit cards. 
 >  >  > 
 >  >  > 
 >  >  > Barry Hill writes: > What's
 >  >  > an NFC app, please?
 >  >  >  >
 >  >  >  > Cheers
 >  >  >  >
 >  >  >  > Barry
 >  >  >  >
 >  >  >  >
 >  >  >  > -----Original Message-----
 >  >  >  > From: access-uk@xxxxxxxxxxxxx
 > [mailto:access-uk@xxxxxxxxxxxxx]
 >  > On
 >  >  > Behalf
 >  >  > Of  > lsmithso@xxxxxxxxxxxxxxxx  > Sent: Tuesday, March 03, 2015
 >  > 10:13
 >  >  > AM  >
 >  >  > To: access-uk@xxxxxxxxxxxxx  > Subject: [access-uk] Re:
 > Accessible
 >  >  > bank card
 >  >  > >  >  > Can the card details be read from a contactless payment
 >  > card
 >  >  > by a
 >  >  > NFC app on  > a smart phone? Is there an app waiting to be
 > written
 >  >  > here?
 >  >  >  >
 >  >  >  >
 >  >  >  > goshawk on horseback writes:
 >  >  >  >  > just my personal point of view, but I think it would have
 >  > been a
 >  >  > far
 >  >  > > better idea to work out ways around what is almost certainly
 > the
 >  >  > hardest
 >  >  > and  > most frustrating thing with bank or credit cards, that of
 >  >  > accessing
 >  >  > the  > details needed to actually use the card, such as card
 >  > number,
 >  >  > start
 >  >  > and  > expirey dates, and back security number, rather than
 >  > prannying
 >  >  > around
 >  >  > with  > all these fancy ideas that don't really do a lot to
 > improve
 >  >  > usability. 
 >  >  >  >  >
 >  >  >  >  > Simon
 >  >  >  >  >
 >  >  >  >  > 
 >  >  >  >  >   ----- Original Message ----- 
 >  >  >  >  >   From: Barry Hill 
 >  >  >  >  >   To: angie.matthews@xxxxxxx 
 >  >  >  >  >   Sent: Tuesday, March 03, 2015 8:01 AM
 >  >  >  >  >   Subject: [access-uk] Accessible bank card
 >  >  >  >  >
 >  >  >  >  > 
 >  >  >  >  >   RBS and NatWest launch accessible cards for partially
 >  > sighted
 >  >  > and
 >  >  > blind
 >  >  >  > customers
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   19 February 2015 
 >  >  >  >  > 
 >  >  >  >  >     
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   In the UK alone there are over 2 million people living
 > with
 >  >  > sight
 >  >  > loss
 >  >  >  > making lots of everyday tasks, including banking, difficult
 > and
 >  >  > frustrating.
 >  >  >  > Following feedback from a partially sighted customer, RBS and
 >  >  > NatWest
 >  >  > have  > introduced a new accessible debit card.
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >     rnib card      
 >  >  >  >  > 
 >  >  >  >  >   The new debit and savings cards feature braille, a notch
 > to
 >  >  > help
 >  >  >  > identify the card and a large print phone number.
 >  >  >  >  >
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   RBS and NatWest are now launching new accessible debit
 > and
 >  >  > savings
 >  >  >  > cards which have been specifically designed for blind and
 >  > partially
 >  >  > sighted  > customers.
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   To address some of the common problems that blind and
 >  >  > partially
 >  >  > sighted
 >  >  >  > customers face, the cards will:
 >  >  >  >  > 
 >  >  >  >  >   .feature braille markings to identify which card is
 > savings
 >  >  > and
 >  >  > which
 >  >  >  > card is debit
 >  >  >  >  > 
 >  >  >  >  >   .have a notch cut out on the right hand side of the card
 > to
 >  >  > help
 >  >  >  > customers insert their card into ATMs and PIN pads correctly
 > >
 >  > > 
 >  >  >  >  >   .show telephone numbers where they will be most clear
 >  >  >  >  > 
 >  >  >  >  >   .have large font on the back of the card to make the
 > phone
 >  >  > numbers
 >  >  >  > easier to read
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   RBS and NatWest's new cards can initially help their
 > 15,000
 >  >  > customers
 >  >  >  > registered as blind or partially sighted. All other features
 > of
 >  > the
 >  >  > card
 >  >  > > remain the same - this card can be used in ATMs, at point of
 > sale
 >  >  > and for
 >  >  > > Contactless transactions home or abroad. The cards can be
 > ordered
 >  > in
 >  >  > all
 >  >  > RBS  > and NatWest branches, online or through telephone banking
 >  > and
 >  >  > will be
 >  >  > issued  > within 48 hours.
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   This is the first banking product designed especially
 > for
 >  >  > blind and
 >  >  >  > partially sighted people. RBS has worked closely with the
 > Royal
 >  >  > National
 >  >  > > Institute of the Blind in the development of this card and in
 >  >  > recognition
 >  >  > of  > this work the new debit and savings cards will be the
 > first
 >  >  > banking
 >  >  > products  > to be awarded the new national quality assurance
 > mark
 >  >  > 'RNIB
 >  >  > approved'.
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   Ross McEwan, CEO of RBS, said: "We want to be recognised
 > as
 >  > a
 >  >  > bank
 >  >  > that
 >  >  >  > listens to its customers and responds to their issues. It's
 >  > really
 >  >  > important  > to me that we make banking as simple and easy as
 >  > possible
 >  >  > for
 >  >  > all of our  > customers and our accessible cards are another
 > step
 >  >  > towards us
 >  >  > earning back  > the trust of the public."
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   Steve Tyler, Head of Solutions, Strategy and Planning at
 >  > RNIB
 >  >  > said,
 >  >  > "We
 >  >  >  > are delighted to have worked with RBS on making savings and
 >  > debit
 >  >  > cards
 >  >  > more  > accessible.  The very basic requirement of identifying
 > the
 >  >  > right
 >  >  > card and  > quickly determining which way the card slots in to a
 >  >  > machine or
 >  >  > payment  > system has been solved by this development. Simple as
 > it
 >  >  > is,
 >  >  > creating a card  > with tactile indicators that identify the
 > card
 >  > type
 >  >  > as
 >  >  > well as the way in  > which it should be used, is an engineering
 >  >  > challenge,
 >  >  > particularly to ensure  > that it doesn't disrupt machinery.  We
 >  > look
 >  >  > forward to working with RBS in  > to the future and enhancing
 > even
 >  >  > more of
 >  >  > the daily payment challenges that  > blind and partially sighted
 >  >  > customers
 >  >  > experience."
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  >
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   Disclaimer
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >   This information is for media use only and is not a
 >  > financial
 >  >  > promotion
 >  >  >  >  > 
 >  >  >  >  >    
 >  >  >  >  > 
 >  >  >  >  >    
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 >  >  >  >  >    
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 >  >  >
 >  >
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