this post was submitted on 11 Aug 2023
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I knew someone who worked at a company that handled e-payments for a certain service (purposefully being vague). They're system functioned similar-ish to what you describe, but it also checked the amount on the card with the amount on a database, and also kept a history both on the card and on the database. If they all didn't match up, they knew there was some tampering going on.