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Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by raverbashing on Friday June 17, 2016 @01:17PM (#11923952)
> Attended a cinema, where they had to delay the movie time due to long CC processing times. Bought food at a takeout place, with clear signs instructions (to avoid) and apologies for the delays caused by chip readers.

This is a sign of their incompetence. Period

The whole rest of the world uses this without a problem.

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by vitd on Friday June 17, 2016 @02:26PM (#11924513)
No it's not a sign of their incompetence. Planet Money recently did an episode on how much longer it takes chip and pin to work, and also why it took so long to come to the US:

http://www.npr.org/sections/money/2016/04/13/474135422/episo...

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by germanier on Friday June 17, 2016 @02:45PM (#11924691)
I'm not sure there is no incompetence involved when the same process is much faster basically anywhere outside the US. That is a question not answered (not even asked) in that episode if I remember correctly. I don't mean the human factor (that will be resolved in some time) but the technology used.
Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by dboreham on Friday June 17, 2016 @09:02PM (#11926490)
Chip card transactions do take a very long time in the US. If I had to guess as to the reason it would not be network or back end processing (seems way way too long, and too consistent to be due to those factors), but probably the time it takes the card to run crypto. Perhaps they use cheap cards with slow cpu but also big keys for fear of attack?
Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by bardworx on Friday June 17, 2016 @02:02PM (#11924352)
> This is a sign of their incompetence. Period

Per parent, this could also be an internet issue. If the POS is processing with a delay, the employee has little control and blaming "incompetence" is ludicrous.

Having first hand experience with dealing with impatient customers because the POS is running slow creates a feeling of entitlement (on the person pointing out how incompetent someone is) and resentment (on the side of the affected employee who is helpless in the situation).

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by germanier on Friday June 17, 2016 @02:20PM (#11924473)
Obviously nobody blames the cashier for the delay (at least I hope). But blaming a slow system on the organization as a whole and the department responsible for the POS in particular is appropriate. It's not like it's impossible to create a fast system.

A one-off internet issue is fine. But in this case it seems that there is something systematically broken.

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by bardworx on Friday June 17, 2016 @03:32PM (#11925028)
> blaming a slow system on the organization as a whole and the department responsible for the POS in particular is appropriate. It's not like it's impossible to create a fast system.

After readying your comment, I went through at least 5 different emotions.

I work in the QSR space and deal with the IT side. The idea that IT department can control the speed of the computer/internet/etc. is shared by both, staff and guests. Regardless if that's the case, your comment, in addition to the parent comment are fascinating.

It seems that regardless of the situation, someone has to take the fault and customers will just blame someone regardless. That's totally appropriate (even if its not, doesn't really matter as this is a perception > reality).

Just for that insight, I would up vote your comment twice, if I could.

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by ultramancool on Friday June 17, 2016 @01:23PM (#11924021)
> The whole rest of the world uses this without a problem.

Not really true. The rest of the world has had it and moved on, and this is a main reason why.

In my country at least, we're now on to tap-to-pay credit and debit cards in recent years, which is faster than the old school swipe and sign and much faster than the chip.

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by seanp2k2 on Friday June 17, 2016 @02:19PM (#11924463)
Bay Area is just now getting chip readers active in many places. They started installing them a year ago or so, but many had the slot taped off. The experience now at most places goes something like this:

1. cashier done scanning items 2. person swipes card since reader has a slot to do that on the right side and that's what they usually do 3. machine beeps or displays an error or does nothing 4. cashier has to explain to insert the card 5. person fumbles with card, eventually getting it into slot 6. sometimes people just push it in and pull it out or otherwise don't leave it in long enough since every single POS has a different workflow and dialogue for this, and this error condition requires re-starting the process (GOTO 3) 7. Waiting 3-10+ seconds 8. Sign 9. Hit yes or accept or I agree 10. Wait another few seconds 11. Remove or forget card. Sometimes the machine beeps, sometimes not 12. Done!

Despite all this hassle, we still didn't get chip and pin that I had been complaining about for years, so if someone steals your physical card, they can still use it until you realize. I'm not really sure how this whole process improves security (does the actual CC number no longer enter the POS at any point?) but consumers here are definitely having some growing pains with the new system and the current state of supporting both old and new systems.

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by germanier on Friday June 17, 2016 @02:24PM (#11924498)
With chip-and-signature cards it's much harder (as in currently not practical at all) to clone the card to use it at another POS (at least if the magstripe readers are finally switched off). Cloned cards are a much larger issue than stolen cards.
Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by mikestew on Friday June 17, 2016 @02:38PM (#11924619)
This is a sign of their incompetence. Period

Whose incompetence? The cinema? They bought a turn-key, off-the-shelf POS package from a vendor. How much control do you think they have over that system? Card processing starts taking a dump, and you would suggest that the minimum-wage cinema worker running the cards do...?

Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by raverbashing on Friday June 17, 2016 @02:44PM (#11924678)
I'm referring to the payment network
Re:Home Depot Files Antitrust Lawsuit Against Visa, MasterCard by mikestew on Friday June 17, 2016 @03:48PM (#11925126)
Thank you for the clarification, and apologies for any inaccurate implications. As others point out, I'm willing to give a bit of benefit of the doubt if only because there are parts of the system (Comcast's business connection takes a dump, for example) that even the payment network doesn't have control over.

Though your post makes me wonder: do payment providers have SLAs, or do they just say, "you're locked in with our network and hardware, suck it up"?