Fake Credit Card News

EMVCo chipped credit card

Are the chipped credit cards we’ve been compelled to use secure? Yes.

Is this linked article a crock of shit? Yes. The article falsely states the chips in our credit cards –EMIT– data. The article is a con job attempting to mislead people into buying RFID “blockers.” The article’s “warning” is a specious lie of omission.

A specious statement is one that uses the truth to tell a lie of omission. Can the data stored on the chip of our credit cards be read? Yes. There is data stored in the chip.

Does the chip itself emit the data as the article falsely claims? No that is the lie of omission.

The chip in our credit cards is a “passive” RFID chip. It has no power of its own. It cannot emit anything until a powered reader like a point of sale card reader or a cellphone powers the chip.

So it is true the chips do store data but they do not emit data. It is more simplistically useful to understand the data is metaphorically “pulled” from the chipset by the reading device because that reading device provides the power to do so.

The contactless cards and anything being manufactured that a cellphone can (((tap)))® can only be powered and read from a distance of ~1″. They use a wireless network protocol called Near Field Communication (NFC) and “near” means ~1 inch (~25mm) so anybody trying to read your card in your wallet or a purse would have to be tapping on your ass. Surrepticious contact is made in crowded buses when its tsanding room only so there are circumstances which can bring your card into proximity of a bad guy with a reading device; but again, it has to be up on your ass for the split seconds it takes to power the chip and read its data: the encrypted data.

Furthermore, all that can be read from the chip in our credit cards that identifies your account is a token. Think of a token as a unique alphanumeric nickname for your actual account. Who is a67c445x89?

Nobody knows who a67c445x89 is except your bank which receives that token (nickname) sent over the cellular network and uses it to look you up on their secure servers. Let’s say somebody was hugging your ass on the bus this morning. What did they get? Where can it be used? Furthermore, the nickname is encrypted on both ends of the communication.

Anything that uses NFC is very secure. Your credit card account cannot be hijacked by surfers standing near you and reading your account data as these fake articles claim. I feel no compulsion to buy and use any “blockers.”

The Next Big Thing: Contactless SmartCard Music Sales and Distribution Format.

Like most of us, my love for music began as young boy when I bought my first albums; Zimmerman’s was one of my first.

Record albums were pressed in “vinyl” in those days, a material which nearly went extinct when other formats came along; formats which were less expensive to manufacture, less expensive to distribute and perhaps most importantly to be considered –more convenient– for people to buy and use.

Them ol’ automobile manufacturers never figured out how to put a record turn table in a car so when we took our sweethearts to the drive-in we had to settle for eight track tape players.

I’ve heard it said Waylon Jennings gave Conway Twitty the nickname “Mr. Panty Dropper.” I’ve been playing guitar and trying to sing like Conway for decades but I’m telling you, back in the day they called boys like me hoods and we were way hipper than jocks because hoods knew the secret to hitting a home run with a girl was an Elvis tape.

Eight track tape player with Elvis tape

Tape formats stayed with us for a long time. In fact the cassete tape that replaced the eight track tape format is still on the shelves this year of 2019 but it was the CD and the DVD formats that followed tape and really kicked shit into a higher gear as some of us who play the most famous riff in rock know all too well…

Layle and Other Assorted Love Songs CD

I bet you thought I was going to start talking about Stairway to Heaven? Well yea but I still have the Bell Bottom Blues, I’ll alway have the Bell Bottom Blues. I literally wore out the first Layla and Other Assorted Love Songs CD I purchased long ago and I’m working on the second CD. One of my guitars is named Layla so go figure.

So I do figure and I figure its time to comment about the new digital formats that do not wear out. More importantly to comment about the physical media that is used to distribute the digital music and what is about to become the way music will be sold and distributed.

Like CD and DVD we’re still talking about a type of plastic media to distribute music but we no longer need to buy and use an electronic device to play the music. The plastic that is about to change the music industry is a format called SmartCards and the electronic device most frequently used to purchase and play music is called a SmartPhone; that doohickey many of us on the planet carry around every day and night.

The SmartPhone has become a phenomena. Late night comedy shows make big money joking about them. Students writing their PhD thesis write about them. Parents wonder if they did the right thing buying their 12 year old daughter an iPhone. You get the picture?

The number of global SmartPhone users grew from 2.1 billion in 2016 to around 2.5 billion in 2019 and continues to grow by leaps and bounds.

As the big boys who own and control the global financial payment markets know a phenomena is a terrible thing to waste. So they wasted no time developing the means to use a SmartPhone to buy shit. Lots of shit in fact. Anything and everything that can be purchased can now be purchased using a SmartPhone.

The big boys wasted no time making financial transactions faster and more convenient. They know human behavior. They know human beings salivate like Pavlovian dogs and will do just about anything for instant gratification. So what did “they” do? They adopted contactless payments that they first rolled out in Europe and other “not USA” nations. Voilà! instant gratification.

Contactless payments is slowly but surely sweeping across America. Its here and its here to stay. The era of tap-to-pay will eventually do to the plastic credit card what the plastic credit card did to the paper checkbook. How do I know this?

I know this because that’s what the big boys want and in America what the big boys want the big boys get and the big boys get what they want because people in America have become Pavlovian dogs.

So you might be wondering, “if I can use my SmartPhone to tap-to-pay what else can I tap on?” Well, the answer is lots of stuff. The Near Field Communication (NFC) wireless cellular network communication protocol which makes tap-to-pay possible is a global networking standard. That standard is available to any and all of us smart enough to learn to use. All it takes is that “vision thing.”

So as the founder of tapABILITIES I have the vision thing. What I’m going to tell you by wrapping up this way too long blogged commentary is the fact that plastic is still with us and will be for a long time to come.

The vison fairy told me that plastic contactless SmartCards will be the way music is sold and distributed.

Like the ~$127 billion gift card industry selling and distributing music with plastic is all about BIG MONEY. Selling and distributing music will follow the same proven business models as gift cards have. Pavloa says so. Keep your eyes and ears open boys and girls because any day now you will be using your SmartPhone to (((tap)))® on a piece of plastic to buy, download, and playback your favorite tunes…

Waylon Jennings Classic Country Music Catalog

Interactive Arts and Crafts: Learn How To Monetize Your Arts and Crafts With Your Smartphone

Its a class being offered by Clinton Gallagher, founder of tapABILITIES, LLC compliments of Michaels Art Supplies, Crafts and Framing. Sign up with this link or select the “Classes and Events” link at the top of the Michaels (Brookfield) website home page” and navigate to enroll.

So what’s up here?

The big boys stuck chips into all of our credit and debit cards. The big boys are sticking chips into and onto everything. Want to learn how little ol’ you can take advantage of the big finance boys who control credit and debit card transactions?

Yes, the big boys stuck chips into all of our credit and debit cards which account for card purchasing volumes that have risen to more than 3 trillion dollars per annum and they had to avail themselves of some means to do so. So why can’t we avail ourselves of the same?

Well, we can, given the know-how, the starting cost is approximately twenty-five cents. Yes, really. Pinky swear. Given the not-know-how? Well, all I can say is TAKE THE CLASS.

Historically, we have used our credit or debit cards to “swipe” the card through a payment terminal. The big boys put chip sets into their bank cards so we consumers can now also stick or tap; stick the card into the payment terminal or (((tap)))® the card onto or near the payment terminal. Given that fundamental fact every adult in America is now becoming aware of such change so it becomes reasonable to ask “If I can now use a Smartphone or a contactless credit or debit card to tap-and-pay what else can I use the instantaneous convenience of tap for?” (Heads nodding up and down.)

Clinton Gallagher will be your instructor to answer that question for you. For the cost of a large pizza with pepperoni his 2 hour classes taught April 27th and May 4th 2019 at the Michaels Arts & Crafts Supply Store – 695 Main Street, Brookfield will teach you how you can obtain and use a type of programmable electronic sticker to take advantage of the same wireless network communication technology the big finance boys use for contactless financial payments; Near Field Communication (NFC).

Does the word programmable make your leg start to twitch like you have to go potty? ROFL Like the banner ad on the web page used to enroll in the class asks, “Can you enter a cook time on a microwave?” Yes, it is metaphorically that easy. Pinky swear again.

Think of it like this; if you make anything as a hobby or if you manufacture anything as a means of employment you likely understand the value of spending money for classroom instruction. Michaels asks that instructors require class materials consisting of products they sell in their stores. A $7.95 bottle of decoupage will do but why that was selected to be the only required class material will be a hilarious surprise class enrollees will learn as we all share and learn together during class.

Remember not knowing what we do not know can be and usually is more costly than spending money to acquire knowledge leading to actionable experience making the work we do pay off. We used to call it bringing home the bacon before we were reminded that pigs have feelings too.

So are you ready to learn how spending peanuts for a class will teach you everything you need to know to go forth afterwards and obtain the raw materials with costs starting at a measly twenty-five cents (another pink swear) and how spending peanuts for a class will develop easily learned skills to use your Android or Apple iPhone and/or how any of the other 80 million or so other Android and Apple iPhones can now be used to (((tap)))® on things and connect to the WWW (FOR WHATEVER.)

Up until now folks such as yourself simply haven’t learned that the big boys of finance have actually made it possible for any of us to use the same means of conveying financial transactions that they use themselves; the same means they have no ethical or moral obligation to tell any of us about. The same means the class will instruct you how to obtain and use yourself.

“Interactive Arts and Crafts: Learn How To Monetize Your Arts and Crafts With Your Smartphone” is what it is all about ladies and gentlemen.

Sign up with this link or select the “Classes and Events” link at the top of the Michaels (Brookfield) website home page” and navigate to enroll. Classes are limited to the dates mentioned herein. We’ll try to update this post if and when new classes are available

Houston, We Have a Trademark

We ran the gauntlet of opposition presented by a global corporation claiming our trademark application would cause confusion with theirs if used in commerce. We’ve resolved that matter.

The United States Patent and Trademark Office (USPTO) entered our trademark into the primary register as Registration Number 5,425,795 on March 20th, 2018.

Logo for tapABILITIES USPTO Registration Number: 5425795

The mark (((tap)))® is shown here as it may appear on a sticker with a blue background. Our customers will be granted use of the mark as an NFC indicator which will appear on all things we manufacture or adapt for them.

The Future is Bright

The future is bright for this technology. The future is bright for tapABILITIES, LLC. The challenge for tapABILITIES, LLC is the dangerous and perilous realm of larger companies which will:

A.) Unknowingly infringe but cease doing so when notified or negotiate a license for use to proceed in “co-opetition” engaged in commerce each with our respective channels of trade which utilizes Near Field Communication (NFC).

B.) Knowingly and purposely infringe attempting to steal our trademark mistakenly believing their money and their lawyers will enable them to do so.

Those in the business of providing products that function utilizing wireless communication require an indicator to visually convey NFC may be used to initiate the communication. Our early recognition of this fact motivated us to seek the trademark for the (((tap)))® indicator as a means to establish a dual function: as a visual indicator that some thing may be tapped and to establish the source of the commercial service tapABILITIES, LLC which makes it happen .

We intend to use the trademark to grow a company which serves its clients and customers well…

Purchase Trump Tweets

NFC Trump Tweets
Trump Tweets $5.00 each (nominal shipping rates apply)

President Trump tweets daily and often more than once per day. His tweets are both entertaining, informative and often caustic to those who may be deemed antithetical to the goal of Making America Great Again.

Trump Tweets are a Near Field Communication (NFC) product which is comprised of an unpowered electrical integrated circuit laminated with PVC. This product is the size of a typical credt or debit card.

When a tapping gesture is made near or onto the NFC product using an NFC-enabled SmartPhone the SmartPhone emanates power activating the NFC integrated circuit enabling the device to read and process a programmatic instruction stored on the NFC chip set.

At cellular network speeds the SmartPhone sends the instruction to Twitter’s web servers which will automatically return President Trump’s tweets to be displayed on the screen of the device.


NFC-enabled reader device typically a SmartPhone running Android OS (no app required) or Apple iPhone 7 or newer running iOS 11 with freely available NFC reader app installed.