I don't necessarily consider it out of date for items to not show up on the pinpads. It is more that if the items do not show up on the pinpad, there should be some kind of customer display screen to show what is going on (even a little two line screen). Many "modern" POS set ups provide no customer display screen and relied on the pinpad to do that part.ClownLoach wrote: ↑June 27th, 2021, 11:26 pm
I think the items on PIN pads will go away entirely at all remaining retailers that have them because they need to disconnect the PIN pads from the registers to avoid data breaches and malware. The stores that seem out of date because the PIN pad does not show the items are actually the most up to date. The PIN pads are directly hooked up to the credit card processing servers on a completely separate network from the register. The register on its own network basically sends a message to the credit card processor to this effect - "Register 2 would like to use PIN pad 2 for a charge of $37.15.“. The credit card processor then sends the total amount to the PIN pad on its own secure credit network. Once an approval is received the credit system tells the register. This is also the reason most retailers can't do anything when credit and debit are down any longer. In the past they basically stored the card numbers and would take a gamble that the funds would be available when the system came back online and they could batch the transactions. Now that is impossible because the register itself never stores a credit card number.
I'll just leave it at this, I was astonished by what we had to go through at my company to get this set up the correct way, no cutting corners, with the standard Verifone and IBM/Toshiba registers. When it was done there was no visible change to the customer, yet thousands of feet of new cable had to be run to separate the PIN pads and install a 2nd network.
There basically is no good way to secure the register hardware itself so the PIN pads had to be separated.
All I can say is that the more convenient a register seems these days the less secure it actually is. You do not want to shop at a retail store that can actually refund your credit card without you running it through the chip reader again... Because if they can then your info is stored in the register and you're going to be the victim of a data breach sooner than later. They're still happening.
That sounds like the way it works up in Canada. Semi-integrated card processing. There are not many fancy pinpads (a few places like GAP's brands, Wal Mart, and Home Depot...) and the pinpads do not activate until the transaction is totaled.
I did not think retailers were allowed to store credit card data from customers with EMV and that would include the storing of card numbers for the purpose of processing refunds. So how are these retailers like Target, Kohls, Walgreens, and various others storing card data from EMV Transactions and doing refunds automatically without needing the card? I have wondered how that is allowed or compliant under this system as it seems like the same exact issue that caused data breaches in the past.
I have done some returns at Wal Mart and have had to insert my card there every time doing the return. I seem to recall under the old swipe system they stored the card number in the system and it automatically credited sometimes (but not always).
Various grocers on NCR (Save Mart and Raleys specifically) are still storing card numbers when credit/debit are down and do a batch process of the cards when the system comes back online... some stores will stop it from happening by saying cash only at those times... some will limit the transaction amount...