Most folk would understand that the competitive run is over once you reach the finish & not some random time later in the day....
How would you handle the following scenario:
Heading for the final control, due to some poor navigation I run past the finish and the contactless card registers even though I didn't want it to.
Having punched correctly at the final control I then go to the finish.
At download I get disqualified as the software insists that I have already finished before punching the final control and am therefore disqualified.