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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Dovey 以德服人 Wan  🪐 🦖‏ @DoveyWan Feb 23
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      Serious question to banking expert is the physical signature really useful for forensic? I always just doodled through in most offline credit card transactions and cashiers never check as well

      15 replies 1 retweet 35 likes
      Show this thread
    2. Patrick McKenzie‏ @patio11 Feb 23
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      Replying to @DoveyWan

      Nobody cares about physical signatures on typical transactions (credit card, etc) as a forensic mechanism. The value in case of a dispute is too low to dedicate more than a few minutes of human effort to. The value is in solemnization, and industry is trying to phase that out.

      2 replies 1 retweet 16 likes
      Patrick McKenzie‏ @patio11 Feb 23
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      Replying to @patio11 @DoveyWan

      Solemnization = producing legible evidence that you know you are about to enter a transaction and that you intend to do the transaction you're entering.

      9:51 PM - 23 Feb 2020
      • 1 Retweet
      • 11 Likes
      • Eric/ 🗝 🦕 🧂Archy the RAMAN 🍜 泡面男人何魏奇 🥢🥡 Ryan Tharp Michelle Varron dust Orlando Ferrer Phong Nguyen Joe Xu Yi 许毅 fredkasiski
      1 reply 1 retweet 11 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 Feb 23
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          Replying to @patio11 @DoveyWan

          Solemnization is valuable because it avoids the following two scenarios: "Bob you owe us money." "I've never had an account with you." "Here's a statement." "Never heard of it." "Here's your signature on a piece of paper. Think carefully about 'not mine' in front of judge."

          2 replies 1 retweet 7 likes
        3. Patrick McKenzie‏ @patio11 Feb 23
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          Replying to @patio11 @DoveyWan

          #2: "Corporate Inc., you owe us money." "We do?" "Yes Bob signed for it." "Bob doesn't have authority to bind us to contracts." "Bob signed for it *on letterhead*; you can deal with the HR issue at your leisure but our invoice is good."

          0 replies 0 retweets 7 likes
        4. End of conversation

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