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That would work but would be even easier to generate card fraud with. The current method requires the physical card, that method would allow purchases with just the card number
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No it wouldn't !
I'm talking about tagging-on, not spending cash ?
Or maybe I have it wrong, give a step-by-step please.
As for season tickets, the smartcard is a stored value so whatever system's in place now seems to be OK
I'm only talking strictly about replenishing cash into [ not out of ] a smartcard
to defraud this system as far as I can see
1: Steal Visa Card
2: Steal smartcard
3: Top Up Smartcard online
4: take lots of train journeys
5: repeat
above only works until cards reported lost.