M*****c
发帖数: 2753 | 1 他们现在连一款产品都还没有推出来，就已经遭到骇客攻击了，用户信息已经丢失了。
还有比这个更具有讽刺意味的消息么？
商家联盟打着旗号叫MCX(merchant customer exchange)，实际上根本就是MX(merchant
exchange)。为了省2-3%的手续费，要改用ACH清算，要绑定用户的SSN，驾照，
checking account。Track用户的location和health 信息，用二维码结帐。用户将要承
担fraud风险，丧失30天免息还款等保障。
http://www.macrumors.com/2014/10/29/currentc-email-breach/
http://9to5mac.com/
“Thank you for your interest in CurrentC. You are receiving this message
because you are either a participant in our pilot program or requested
information about CurrentC. Within the last 36 hours, we learned that
unauthorized third parties obtained the e-mail addresses of some of you.
Based on investigations conducted by MCX security personnel, only these e-
mail addresses were involved and no other information.
In an abundance of caution, we wanted to make you aware of this incident and
urge you not to open links or attachments from unknown third parties. Also
know that neither CurrentC nor Merchant Customer Exchange (MCX) will ever
send you emails asking for your financial account, social security number or
other personally identifiable information. So if you are ever asked for
this information in an email, you can be confident it is not from us and you
should not respond.
MCX is continuing to investigate this situation and will provide updates as
necessary. We take the security of your information extremely seriously,
apologize for any inconvenience and thank you for your support of CurrentC.” |
S**C
发帖数: 2964 | 2 You should not take 2-3% transaction fee lightly. The net profit margin of
retailing sector is 4.x%. WMT is even lower although they are the biggest,
at 3-3.5%, out of nearly half trillion revenue. So they have very strong
incentives, although I doubt anything related to money will be successful if
the end result is to cut the banks out, which is MCX intention.
merchant
【在 M*****c 的大作中提到】
: 他们现在连一款产品都还没有推出来，就已经遭到骇客攻击了，用户信息已经丢失了。
: 还有比这个更具有讽刺意味的消息么？
: 商家联盟打着旗号叫MCX(merchant customer exchange)，实际上根本就是MX(merchant
: exchange)。为了省2-3%的手续费，要改用ACH清算，要绑定用户的SSN，驾照，
: checking account。Track用户的location和health 信息，用二维码结帐。用户将要承
: 担fraud风险，丧失30天免息还款等保障。
: http://www.macrumors.com/2014/10/29/currentc-email-breach/
: http://9to5mac.com/
: “Thank you for your interest in CurrentC. You are receiving this message
: because you are either a participant in our pilot program or requested
|
v****e
发帖数: 19471 | 3 here's how I look at it: the parking lot outside the walmart store costs a
lot of money to rent and maintain. but if you don't have better solution, do
not rush to eliminate the parking lot yet. CurrentC is a much worse
solutions for the consumer compared with Apple Pay or even the traditional
card swipe. and don't even get me started on all the fraud and chargeback
nightmares once they actually launch this thing.
if
【在 S**C 的大作中提到】
: You should not take 2-3% transaction fee lightly. The net profit margin of
: retailing sector is 4.x%. WMT is even lower although they are the biggest,
: at 3-3.5%, out of nearly half trillion revenue. So they have very strong
: incentives, although I doubt anything related to money will be successful if
: the end result is to cut the banks out, which is MCX intention.
:
: merchant
|
S**C
发帖数: 2964 | 4 Last time I checked they did not eliminate credit cards.
do
【在 v****e 的大作中提到】
: here's how I look at it: the parking lot outside the walmart store costs a
: lot of money to rent and maintain. but if you don't have better solution, do
: not rush to eliminate the parking lot yet. CurrentC is a much worse
: solutions for the consumer compared with Apple Pay or even the traditional
: card swipe. and don't even get me started on all the fraud and chargeback
: nightmares once they actually launch this thing.
:
: if
|
M*****c
发帖数: 2753 | 5 没人否定2-3%这个数字在乘上巨额的交易数字后是个小数字。的确这个数字会影响到
retailer的利润。但是你似乎根本意识到在看问题的角度上，ApplePay/GoogleWallet/
Softcard等是完全和这个MCX不同的。
MCX的目标就是要把想尽一切办法把这2-3%拿回来，A，G，S的产品是试图从消费者的角
度上让这个交易进行的能更顺利。两者出发点就不同。单纯从简化支付过程，更平滑更
顺畅这一点来讲，MCX在没出生基本就已经死了，更不要提MCX采用的技术的安全性和其
他家相比较了。
你是可以争论商家拿回这2-3%的费用，可以降低商品价格，给客户更好优惠。可是你有
没有想到：
1）现在商家早就精明的将这个merchant processing fee转嫁到消费者头上了，他们的
确被信用卡网络cut了一刀，可实际上根本就没那么他们说的那么夸张
2）就算拿回来了，你没有2-3%以上优惠，你不可能鼓励消费者去用的(太多信用卡有稳
定2%回报，更不要说fraud protection，purchase protection，extended warranty等
）。商家就算一开始能放血来吸引顾客来用，难道他们能放一辈子？
更不要说商家要收集的那些消费者信息了，这是多么令人creepy的感觉。以前就信用卡
公司，银行收集一下。现在你去的每一家MCX里面的商店每一家都会有你的所有信息。
你很喜欢么？
if
【在 S**C 的大作中提到】
: You should not take 2-3% transaction fee lightly. The net profit margin of
: retailing sector is 4.x%. WMT is even lower although they are the biggest,
: at 3-3.5%, out of nearly half trillion revenue. So they have very strong
: incentives, although I doubt anything related to money will be successful if
: the end result is to cut the banks out, which is MCX intention.
:
: merchant
|
a9
发帖数: 21638 | 6 你想说明什么？
他们觉得开不开nfc,apple pay,google wallet对他们没什么影响而已
GoogleWallet/
of
biggest,
successful
【在 M*****c 的大作中提到】
: 没人否定2-3%这个数字在乘上巨额的交易数字后是个小数字。的确这个数字会影响到
: retailer的利润。但是你似乎根本意识到在看问题的角度上，ApplePay/GoogleWallet/
: Softcard等是完全和这个MCX不同的。
: MCX的目标就是要把想尽一切办法把这2-3%拿回来，A，G，S的产品是试图从消费者的角
: 度上让这个交易进行的能更顺利。两者出发点就不同。单纯从简化支付过程，更平滑更
: 顺畅这一点来讲，MCX在没出生基本就已经死了，更不要提MCX采用的技术的安全性和其
: 他家相比较了。
: 你是可以争论商家拿回这2-3%的费用，可以降低商品价格，给客户更好优惠。可是你有
: 没有想到：
: 1）现在商家早就精明的将这个merchant processing fee转嫁到消费者头上了，他们的
|
M*****c
发帖数: 2753 | 7 In the end, retailers who want to be successful will accept the way
customers want to pay
MCX's CurrentC will only benefit the retailers themselves
【在 a9 的大作中提到】
: 你想说明什么？
: 他们觉得开不开nfc,apple pay,google wallet对他们没什么影响而已
:
: GoogleWallet/
: of
: biggest,
: successful
|
a9
发帖数: 21638 | 8 那不就是共产主义了吗
【在 M*****c 的大作中提到】
: In the end, retailers who want to be successful will accept the way
: customers want to pay
: MCX's CurrentC will only benefit the retailers themselves
|
M*****c
发帖数: 2753 | 9 That's your opinion...
【在 a9 的大作中提到】
: 那不就是共产主义了吗
|
v****e
发帖数: 19471 | 10 that's the end game for CurrentC. otherwise, why bother? think of it as an
in-store version of paypal. their goal is to lure people into signing up by
giving aggressive in-store purchase reward points and convert as much as
sales from credit card payment to ACH payment of closed-loop merchant
branded card payment. so, yeah, their end game is to kill credit card
payment in their stores so they can eliminate the interchange expense.
【在 S**C 的大作中提到】
: Last time I checked they did not eliminate credit cards.
:
: do
|
|
|
s**********d
发帖数: 36899 | 11 they kill credit cards? how many shoppers have smart phones and enables
their app?
by
【在 v****e 的大作中提到】
: that's the end game for CurrentC. otherwise, why bother? think of it as an
: in-store version of paypal. their goal is to lure people into signing up by
: giving aggressive in-store purchase reward points and convert as much as
: sales from credit card payment to ACH payment of closed-loop merchant
: branded card payment. so, yeah, their end game is to kill credit card
: payment in their stores so they can eliminate the interchange expense.
|
v****e
发帖数: 19471 | 12 I'm not saying they will succeed. they have a dream that will never
materialize.
【在 s**********d 的大作中提到】
: they kill credit cards? how many shoppers have smart phones and enables
: their app?
:
: by
|
S**C
发帖数: 2964 | 13 MCX has no advantage against incumbent which is the MA/VC etc networks, and
they do not have the expertise to compete against banks, that's no question
about it. As I said, it's all about money, a lot of. If retailers get some
cut (i.e., lower transaction cost), they will more than likely to play along
. It is a bargain chip. AGS has no skins in the game, it is banks vs.
retailers. I am in no disillusion that the lion share of the transaction
cost-savings will go to consumers. They will go to either banks or retailers
, the question is who get what percentage. For myself, I go with plastic
place zero liability on me.
GoogleWallet/
【在 M*****c 的大作中提到】
: 没人否定2-3%这个数字在乘上巨额的交易数字后是个小数字。的确这个数字会影响到
: retailer的利润。但是你似乎根本意识到在看问题的角度上，ApplePay/GoogleWallet/
: Softcard等是完全和这个MCX不同的。
: MCX的目标就是要把想尽一切办法把这2-3%拿回来，A，G，S的产品是试图从消费者的角
: 度上让这个交易进行的能更顺利。两者出发点就不同。单纯从简化支付过程，更平滑更
: 顺畅这一点来讲，MCX在没出生基本就已经死了，更不要提MCX采用的技术的安全性和其
: 他家相比较了。
: 你是可以争论商家拿回这2-3%的费用，可以降低商品价格，给客户更好优惠。可是你有
: 没有想到：
: 1）现在商家早就精明的将这个merchant processing fee转嫁到消费者头上了，他们的
|
w********2
发帖数: 16371 | 14 mcx 做法最终是自取其辱，不把尊重自己客户作为首要任务的商家没有什么好的下场。 |
S**C
发帖数: 2964 | 15 The fate of MCX has little to do with the fate of Apple Pay and similar
payment methods. CC vs. cash/check, a big step change. Make things even
better, CC and cash share a home called wallet. contactless payment? Not so
much, on both count. |
