Insignificant/ Significant things that BYP or just wind you up a little

[Mr. Dazzle]

Android pay still worked, who knew that the phone gets a slightly different card number to your physical card.

Thats the whole point of it. Well obviously the main thing people like is actually the convenience, but the original point/advantage of Google Pay is that you don't share your real card details with anyone (other than Google, I suppose).

[MrLongbeard]

Android pay still worked, who knew that the phone gets a slightly different card number to your physical card.

Thats the whole point of it. Well obviously the main thing people like is actually the convenience, but the original point/advantage of Google Pay is that you don't share your real card details with anyone (other than Google, I suppose).

So how does that work, Google hold and would charge through the real card number even if it's not the one shown to the retailer, and that real card number has had a hold placed on it?

[Mr. Dazzle]

AFAIK it's even deeper than that, Google share a different number and an encryption key with each merchant, each time IIRC...but it's all decrypted and approved 'live' at the server end while you're stood there waiting for the card machine. This is one reason Google pay isn't subjected to contactless payment limits.

It's one of those things I did know but now I've forgotten, but I remember that I read about it and found the explanation satisfying Don't remember the details, remember the conclusion.

[Rockburner]

AFAIK it's even deeper than that, Google share a different number and an encryption key with each merchant, each time IIRC...but it's all decrypted and approved 'live' at the server end while you're stood there waiting for the card machine. This is one reason Google pay isn't subjected to contactless payment limits.

It's one of those things I did know but now I've forgotten, but I remember that I read about it and found the explanation satisfying Don't remember the details, remember the conclusion.

That's a pretty fair succinct explanation.

[MrLongbeard]

Which doesn't explain, AFAIK, how it worked.
Somewhere along the line the google card in the google wallet has to marry up to a real card with a real bank account, with real money in it for the payment to be made.

It won't let me use an expired card I've left in the wallet, so how did it allow payment where the real card has been paused / cancelled, maybe just timing?

[Mr. Dazzle]

Maybe they came to an agreement with the banks (bearing in mind that you have to approve the initial set up with your bank too) whereby lost/eaten cards don't deactivate your google wallet cards because you've not lost your phone?

'tis a good Q.

[Rockburner]

Which doesn't explain, AFAIK, how it worked.
Somewhere along the line the google card in the google wallet has to marry up to a real card with a real bank account, with real money in it for the payment to be made.

It won't let me use an expired card I've left in the wallet, so how did it allow payment where the real card has been paused / cancelled, maybe just timing?

Somewhere along the line there's a cross-reference between the "psuedo" card details that the phone uses, and the actual account details (iirc* it's the account details that are used, not the numbers on the card - so the real card details are never stored directly)



* I could be wrong.

[Mr. Dazzle]

Which doesn't explain, AFAIK, how it worked.
Somewhere along the line the google card in the google wallet has to marry up to a real card with a real bank account, with real money in it for the payment to be made.

It won't let me use an expired card I've left in the wallet, so how did it allow payment where the real card has been paused / cancelled, maybe just timing?

Somewhere along the line there's a cross-reference between the "psuedo" card details that the phone uses, and the actual account details (iirc* it's the account details that are used, not the numbers on the card - so the real card details are never stored directly)



* I could be wrong.

yeah that's my sort of thinking too, I think you're actually cutting the card out of the equation entirely with Google Pay, the pic and name in your phone wallet is just for your info but it's not actually doing anything?

This would also tie in with the fact Google Pay doesn't have payment limits?

[MrLongbeard]

I've only ever given it my card details, never account details.

[MrLongbeard]

Natwest says;

If your card is lost or stolen, you need to report it to us, so we can cancel the card and order a replacement.

When you add a card to Google Pay, a virtual account number replaces your card details. For this reason, you can continue to pay with Google Pay while you wait for your replacement card to arrive.

When you receive the replacement card, we recommend that you remove the lost or stolen card from Google Pay and add your replacement card to it. If you do not do this, you will be able to pay with the lost or stolen card on Google Pay until its expiry date.

Between you lot and that , that'll do for me

[Rockburner]

I've only ever given it my card details, never account details.

Google Pay behind the scenes (acting as a financial broker) can extract the account details from the card number. (I think)

[Mr. Dazzle]

I've only ever given it my card details, never account details.

Google Pay behind the scenes (acting as a financial broker) can extract the account details from the card number. (I think)

I've always had to open up my banking apps and tell the bank I've approved the pairing too, so clearly Google pay knows which bank and account I'm talking about.

AFAIK the 16 digit number actually includes the account number anyway, just not in 'plain english'.

[Ditchfinder]

Just going back to the lottery app thing - i had this same exact problem. I spent the credit on tickets to below the last whole £ and it then let me update the card details with the remaining balance.

[KungFooBob]

Just going back to the lottery app thing - i had this same exact problem. I spent the credit on tickets to below the last whole £ and it then let me update the card details with the remaining balance.

I discovered this, I spent £1.50 on a ticket for tonight and with only 40p left in the account it let me update the card

[MrLongbeard]

Man Flu, no sleep for a week, no eating for 3 days, pounding head, parting is such sweet sorrow

[Jody]

When people don't get what they pay for.

I've taken a new temporary role as a houseman for an elderly gentleman in West Sussex. His regular guy (David) has been with him for 26 years and is taking his once a year extended break for 5 weeks.

This is a really easy job, only a few hours a day, though they are spread out out from 8am until 10pm. There's only the client Mr Hill and the Houseman that live here, very occasionally there might be 1 or 2 overnight guests.

David has not been doing his job properly for a very long time:-

There's the stupid stuff :-
Two toasters on the worktop, only one plugged in.
Bread bin, 3 different types of bred balanced on top, nothing inside it.
3 potatoe mashers spread around the kitchen.
Glasses that are used every day stored in a cardboard box on the worktop.
Electric carving knife, in an open, grease covered cardboard box on the worktop
2 kitchen Knife blocks, nearly all the knives had broken handles, most were missing their points too.

Then there's the bad things:-
The pantry shelves are (were) all filthy.
There's loads of mouse droppings in there too
An open pack of currants that went out of date in 2022
An open packet of custard powder that went out of date in 2020
4 tins of soup. All out of date.

Both the pantry and the kitchen had shelves full. Of various glassware with a layer of grease covering them.
Even the strip light had grease all but dripping off it.


So my easy, non labour intensive job has become quite the opposite.
Yesterday I was sticking tiles back on the wall. It took me less than 20 minutes. But they'd clearly been off for a long time.

I did say to the client that the pantry was "quite grubby". Sadly he responded by saying "I suppose that's the benifit of a fresh pair of eyes" So I let it go.

I could go on, there's loads of photos but I don't want you all being put off your cornflakes!

Suffice to say. If this wasnt a private arrangement for David, he would be sacked and the entire house would be closed for a 3 day deep clean.

Atleast I know that it will be much much better when I leave then it was when I arrived.

[Noggin]

Scamming fukkers. Specifically the ones that target older people.

My SDad is almost 80 and generally fit and healthy, although recently he's forgetting more words and general stuff - but I didn't think that much of it when I was over cos I am actually very similar.

However my SBrother called me yesterday evening; some fukkers scammed our dad of everything in his current account.

The old one of - This is your son, I've lost my phone and I'm in trouble so please can you send me £x asap to this account


They only didn't get everything he had because he locked himself out of his online banking and went to the bank where the cashier told him to contact my brother to verify as she thought it was a scam - by then he'd saved the scammers number as my brother's and so ended up calling my SIL who told him G was fine.

Luckily my bro was able to drive down to see our dad yesterday afternoon to sort things out with Dad and make sure he's ok.

But seriously, it's fucked up. Dad won't see any of that money again and now he's had a massive bash to his confidence.

I do so fucking hate a lot of humans

[Count Steer]

Scamming fukkers. Specifically the ones that target older people.

My SDad is almost 80 and generally fit and healthy, although recently he's forgetting more words and general stuff - but I didn't think that much of it when I was over cos I am actually very similar.

However my SBrother called me yesterday evening; some fukkers scammed our dad of everything in his current account.

The old one of - This is your son, I've lost my phone and I'm in trouble so please can you send me £x asap to this account


They only didn't get everything he had because he locked himself out of his online banking and went to the bank where the cashier told him to contact my brother to verify as she thought it was a scam - by then he'd saved the scammers number as my brother's and so ended up calling my SIL who told him G was fine.

Luckily my bro was able to drive down to see our dad yesterday afternoon to sort things out with Dad and make sure he's ok.

But seriously, it's fucked up. Dad won't see any of that money again and now he's had a massive bash to his confidence.

I do so fucking hate a lot of humans

My SiL fell for exactly the same thing (via Whatsapp). Fortunately, not being a regular on-line banking person, she failed to log in and locked herself out of the account and lost nothing.

Your summary is spot on.

[Mussels]

Scamming fukkers. Specifically the ones that target older people.

My SDad is almost 80 and generally fit and healthy, although recently he's forgetting more words and general stuff - but I didn't think that much of it when I was over cos I am actually very similar.

However my SBrother called me yesterday evening; some fukkers scammed our dad of everything in his current account.

The old one of - This is your son, I've lost my phone and I'm in trouble so please can you send me £x asap to this account


They only didn't get everything he had because he locked himself out of his online banking and went to the bank where the cashier told him to contact my brother to verify as she thought it was a scam - by then he'd saved the scammers number as my brother's and so ended up calling my SIL who told him G was fine.

Luckily my bro was able to drive down to see our dad yesterday afternoon to sort things out with Dad and make sure he's ok.

But seriously, it's fucked up. Dad won't see any of that money again and now he's had a massive bash to his confidence.

I do so fucking hate a lot of humans

I think recent law changes mean the bank may have to reimburse him.

[Noggin]

I think recent law changes mean the bank may have to reimburse him.

Thank you. I’ll get my brother to look into this