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If I sell something to you, why should I be obligated to forget that fact?

Because one can be justified in believing that the business relationship with the customer ends after the transaction is completed.

BL.
 
So am traveling right now, and I needed to go out for some stuff and he took me to Walmart.

WHILE she was ringing up my stuff, I took my wallet out, took my card out and put it in the reader.

WHILE she was ringing up my stuff, the reader authorized the purchase and told me to remove my card.

WHILE she was ringing up my stuff, I put my card back in my wallet and put my wallet back in my pocket.

AFTER waiting another short period of time for her to FINISH ringing up my stuff, and she got a final total, I wanted less than a second for my receipt.

So....where would my time savings by using NFC at Walmart occur?
 
I suspect we'll go from signature cards to...whatever comes next before we adopt chip & PIN.

Thanks for the extra perspective. Between work, hobbies and family most of my travel is US -> Asia or US -> Western Europe so I hadn't kept up on the rest of the world.

You already did. The US already went from chip + signature to chip + nothing, which I consider very unsafe, but it was the only choice left for now, not wanting PIN.
 
Damn, nearly a thousand comments up in here. Who knew Walmart could be the reason for all this conversation 🤭
 
So am traveling right now, and I needed to go out for some stuff and he took me to Walmart.

WHILE she was ringing up my stuff, I took my wallet out, took my card out and put it in the reader.

WHILE she was ringing up my stuff, the reader authorized the purchase and told me to remove my card.

WHILE she was ringing up my stuff, I put my card back in my wallet and put my wallet back in my pocket.

AFTER waiting another short period of time for her to FINISH ringing up my stuff, and she got a final total, I wanted less than a second for my receipt.

So....where would my time savings by using NFC at Walmart occur?

If Walmart allow you to pay before the shopping is scanned and someone else is packing the groceries for you, I doubt NFC would save you any time. That’s a very unorthodox checkout routine so perhaps Walmart have designed a system to compensate for their lack of modern NFC utilisation.
 
If Walmart allow you to pay before the shopping is scanned and someone else is packing the groceries for you, I doubt NFC would save you any time. That’s a very unorthodox checkout routine so perhaps Walmart have designed a system to compensate for their lack of modern NFC utilisation.

Actually, a lot of stores let you insert and remove before the cashier finishes ringing up your purchase. Most of them still support tapping your card or phone, though, simply because it does take time to read the chip when inserted.
 
If I sell something to you, why should I be obligated to forget that fact?

Exactly. If people don't want their shopping habits tracked, then they need to pay in cash. I personally couldn't care less if Walmart of any other retailer knows what I buy. And, if you buy online, it's impossible for them not to know unless I guess you use a VPN, checkout as a guest, use some crypto method of payment and have your goods shipped to an address that's not associated with you, lol!
 
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If Walmart allow you to pay before the shopping is scanned and someone else is packing the groceries for you, I doubt NFC would save you any time. That’s a very unorthodox checkout routine so perhaps Walmart have designed a system to compensate for their lack of modern NFC utilisation.
Well, it's not just them. Other places I go do the same thing.

Fwiw, I ran my timer was i was there. From when I got in line until walking away with my receipt was 9 minutes 34 seconds. Even if you added another 15 seconds for payment approval, that's just not material in the overall shopping experience.

As a side note...my time in line was 7 mins 50 seconds waiting for my turn at the register and 1 mins 45 seconds from when she started to ring me up and I was on my way.
 
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Exactly. If people don't want their shopping habits tracked, then they need to pay in cash. I personally couldn't care less if Walmart of any other retailer knows what I buy. And, if you buy online, it's impossible for them not to know unless I guess you use a VPN, checkout as a guest, use some crypto method of payment and have your goods shipped to an address that's not associated with you, lol!
I don't understand what people are so afraid of. I mean, I'll tell anyone who wants to know what I buy, I don't care.

1E4A4E48-5946-4D6E-B339-69C1E207E089.png
 
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Because one can be justified in believing that the business relationship with the customer ends after the transaction is completed.

BL.
Yeah, sure, as long as you don't expect to ever return anything or buy anything from there in the future.
 
Because one can be justified in believing that the business relationship with the customer ends after the transaction is completed.

BL.
Then your memory of the transaction should also erased. If you can keep coming to me to buy shampoo and apples because you remember that I have the best price for shampoo and the freshest apples than I get to remember that I keep selling shampoo and apples to you.

EDIT: The problem is not me remembering. We are both parties to the transaction. The problem is when I start blabbing to everyone else what I sold to you.
 
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The problem is when I start blabbing to everyone else what I sold to you.
...stuff that you bought in public, in front of anyone who cared to watch you walk around the store and put stuff in your cart..then buy it.....and if they so desired, follow you to your car and watch you load it, while they record your license plate number.....
 
Then your memory of the transaction should also erased. If you can keep coming to me to buy shampoo and apples because you remember that I have the best price for shampoo and the freshest apples than I get to remember that I keep selling shampoo and apples to you.

EDIT: The problem is not me remembering. We are both parties to the transaction. The problem is when I start blabbing to everyone else what I sold to you.

This is also based on the assumption that the store is out to make the customer a repeat customer. If that customer doesn't come back, then then the need to trace and track such trails of transactions is moot.

BL.
 
Because one can be justified in believing that the business relationship with the customer ends after the transaction is completed.

BL.
That's an interesting take, considering someone may want to return an item (thinking Amazon moreso than a brick-and-mortar store). If the seller immediately forgets, or better described as deleting the transaction details, then how could the consumer return it?

I believe a business has every right to keep that sales data as long as they wish, but not a right to sell that data to others. The same right is afforded the consumer. If they bought something and had a bad experience (dining for example), should they be required to forget it after they leave?
 
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This is also based on the assumption that the store is out to make the customer a repeat customer. If that customer doesn't come back, then then the need to trace and track such trails of transactions is moot.

BL.
Ah, but a primary purpose of collecting info is to market to the customer and entice them to come back.

In any case, if one is concerned about something happening, it makes a lot more sense to do what you can do to prevent it, taking responsibility for the outcome you want, than it does to require someone else to do (or not do) something, thereby pushing responsibility for achieving the outcome YOU want on someone else.

In other words, if YOU are concerned about YOUR purchases being tracked, then YOU should pay cash, rather than expecting and depending on someone ELSE to do what YOU want them to do. Seems pretty straight forward.
 
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Ah, but a primary purpose of collecting info is to market to the customer and entice them to come back.
Perhaps this was once the case and partially still is. I think the bigger risk, and use today, is re-selling that information to other entities for their usage, nefarious or not. Some retailers do not do this, but lots do given the privacy opt-outs.
 
You already did. The US already went from chip + signature to chip + nothing, which I consider very unsafe, but it was the only choice left for now, not wanting PIN.
Is it totally no sign now or is there still a threshold? I very rarely don't use NFC, but the card last night still isn't allowed on NFC. It was like $37, and I didn't have to sign
 
That's an interesting take, considering someone may want to return an item (thinking Amazon moreso than a brick-and-mortar store). If the seller immediately forgets, or better described as deleting the transaction details, then how could the consumer return it?

I believe a business has every right to keep that sales data as long as they wish, but not a right to sell that data to others. The same right is afforded the consumer. If they bought something and had a bad experience (dining for example), should they be required to forget it after they leave?
I mean maybe they should have to delete once return period expires. Or if instantly then store credit or even exchanges only. I wouldn't mind credit if it was somewhere i shop a lot, but if it was the first time I shopped there and the item was bad, I don't think I want to buy from them anymroe
 
Is it totally no sign now or is there still a threshold? I very rarely don't use NFC, but the card last night still isn't allowed on NFC. It was like $37, and I didn't have to sign
In theory there's no limit but in reality, a fair number still ask for signature for whatever reason (regardless of amount).
 
Is it totally no sign now or is there still a threshold? I very rarely don't use NFC, but the card last night still isn't allowed on NFC. It was like $37, and I didn't have to sign

In theory it’s totally no sign because years ago the card networks mandated to stop using signatures. And that was in general, even when paying via chip, because they expected the signature to be replaced by some other authentication method such as pin, which the US refused to do and just eliminated signatures without replacing them. In practice, however, the system still asks for signature at many places because the software of the cash registers hasn’t been updated.
 
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You can tap it.

But like tapping your foot, it just won't result in a transaction.

But it's OK, because you can INSERT your card and it works just fine. It's like magic!! In just a second or so, your transaction is approved!!

It's amazing to me that some people feel there is such a big difference between tapping a card and inserting it...but it is comforting to know that, in the U.S., it's just a small minority of people.
I don’t carry a physical card or wallet with me anymore. Here in Sweden, EVERYTHING is contactless so I only use my phone. It’s nice not having to have physical cards and wallet with you at all times.
 
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