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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I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.
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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
I clicked the green button and started fishing out my phone to lookup my password, since I'm on my work computer. Turns out: no need! There was a token in the URL. Site advised me to try the transaction again. I just hit "checkout" again, worked without incident.
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.)
Doesn't that just shift responsibility to the email provider's security? There's only a handful who do it right, and the largest one shows you ads based on your email contents...
So developers think of shifting responsibility different than the payments industry does. You know who eats the fraud loss in either circumstance? The seller. The bank is just taking a calculated risk here: P(card compromised && email compromised) <<<< P(card compromised)
The bank's incentive to is to let through edge case transactions. The bank's incentive to stop fraud is a) customers like it and b) heads off a costly customer service problem (re-issuing the card, opportunity for churn, loss of usage during the switchover period).
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