[LINK] RFI: Disabling an NFC Coil on PayPass/Wave
Roger.Clarke at xamax.com.au
Sun Aug 17 08:20:44 AEST 2014
Australian banks continue to refuse to provide basic consumer
protections in relation to NFC-based payment. They have a choice of
ways of doing so, but falsely declare to all and sundry that Visa and
MasterCard dictate that they have to do what they do. Some
countries' banks, on the other hand, have implemented sensible
There are guides available on how to drill through the card in order
to break the coil and prevent the undesired wireless mechanism
The trick is to do so without harming the (highly desirable)
contact-based functionality - which still requires, as it should,
that the card-holder demonstrate that they know the PIN associated
with the card.
It's also important to avoid damaging the mag stripe and the hologram.
And it's best if the hole is unnoticeable, so that merchants don't
perceive a need to steal a card because it's been tampered with
and/or its wireless capability isn't functioning.
So the hole needs to be small, and precisely targeted at a point
where the coil can be cut without any other aspect of the card being
Has anyone seen any reliable information about the precise location
of the induction coil on the cards being imposed on Australian
And is there is a single card-layout in use, or more than one?
The location can be found using an x-ray machine, or perhaps with
very strong light. But the job has doubtless already been done by
Needless to say, this posting is not a suggestion that people remove
unwanted functionality from the cards they have issued to them, but
rather part of my ongoing research into the matter:
Roger Clarke http://www.rogerclarke.com/
Xamax Consultancy Pty Ltd 78 Sidaway St, Chapman ACT 2611 AUSTRALIA
Tel: +61 2 6288 6916 http://about.me/roger.clarke
mailto:Roger.Clarke at xamax.com.au http://www.xamax.com.au/
Visiting Professor in the Faculty of Law University of N.S.W.
Visiting Professor in Computer Science Australian National University
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