Chase's fraud loop is getting really, really good: Somebody (guess who) used my card to purchase a hotel stay at a casino, from Japan. Chase: "That looks sketchy! Denied!" My email lights up within 2 seconds with this.pic.twitter.com/QeY20WBLqA
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That's so much better than me having to do things the old fashioned way, with a call into the bank, OK let me look up your account, two quick questions to check your identity, I see you have recently had a few transactions, are you sure you want to buy that thing?
It's better for me, it's better for the hotel/casino, and it's better for Chase, both because they get to dodge a relatively expensive interaction with a human and because they didn't just lose the transaction to Amex. (Faster than I could get card out of wallet. Not joking.)
I've always been really impressed with chase's infrastructure, even though the manager at my local branch is using a thin client with some sort of custom WIN-95 based OS. Really shows that new != good.
I'm not sure I like this token thing. How serious of a problem is it if a hacker clicks the Yes button? What about when the legit user clicks No at some point after an attacker has already clicked Yes?
Assumption is that if adversary has access to your computer or email, you’re in Very Big Trouble
This is very good as long as your email is secure
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