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Who’s Responsible for Fraud with EMV Cards in the U.S.?
For the consumer, nothing really changes when it comes to fraud liability with EMV cards. You won’t be held liable for fraudulent transactions in most cases, as long as you alert your card issuer.
Liability for fraud usually rests with the card issuer or payment processor, depending on the specific terms of the account. However, since the transition to EMV technology, fraud liability now lies with the “least-EMV compliant party,” which in some cases might be the merchant. This basically means that if the merchant didn’t install a new EMV system and people are forced to use the mag stripe, the merchant will be held liable for fraud if it occurs.
There are currently four important dates in what is known as the “EMV liability shift:”
- October 1st, 2015: Liability for fraud for most card present transactions switched to the least-EMV compliant party (excludes automated fuel dispensers at gas stations).
- October 1st, 2016: ATMs were included in the new liability rules, with the least-compliant party being held liable.
- October 1st, 2017: Automated fuel dispensers at gas stations were set to be included in the liability shift, but in 2016 this date was moved three years back.
- October 1st, 2020: Automated fuel dispensers at gas stations will be included in the new liability rules.
So October 2020 was the new date at which all card present transactions in the U.S. will be held to these standards, including automated fuel dispensers.
Apple holds out in adopting next-generation RCS texting standardIMO, Apple will never abandon iMessage, nor will it ever create an Android App. The advanced messaging apps from Samsung, Google, and Verizon are all going the way of the dinosaur, as mobile carriers finally adopt RCS, and eventually implement the cross-carrier protocols.Probably starting with AT&T, carrier and Apple software will be modified such that non iMessage text will go out as RCS instead of SMS.
Apple holds out in adopting next-generation RCS texting standardmcdave said:I don’t see what this has to do with the carriers, are they trying to stay relevant?Apple should just add RCS to SMS as the fall-back option in iMessage.
I like your second thought of having your carrier determine whether your fall-back option is RCS or SMS. So here is the logic for iMessage users:
1.) If you are an iPhone iMessage user and you try to chat/message a non-iMessage phone number it currently falls back to your carrier.2.) Say your carrier is AT&T and you have an RCS capable phone, AT&T then checks to see if the phone number you are calling is an AT&T RCS number and if so, it will initiate a carrier chat. Apple shouldn’t care!
3.) Eventually when AT&T successfully implements cross-carrier persistent RCS with other carriers you will be able to chat with anyone on those other carriers. Apple shouldn’t care!
Why you should buy Apple's MagSafe battery packHere is a different perspective on buying and using Apple’s MagSafe Battery Pack:
For your every day charger do you want to buy and use the $39 MagSafe Charger or the $99 MagSafe Battery Pack for $60 more, or neither?
CON - Although you normally don’t want to keep a device with a lithium battery plugged in all the time which might reduce the life of the MagSafe Battery, it does in fact have Apple’s charge management features.The Apple MagSafe Battery Pack is not the best battery pack out there, and when used in the wild (not connected to power) it will only charge at 5W like many other portable chargers.
- If your power goes out you have the backup battery fully charged
- If you want to take it with you just disconnect it and take it with you as with any other backup charger
- It has reverse charging capabilities and CarPlay connectivity (Complicated but could be useful)