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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. Patrick McKenzie‏ @patio11 20 Mar 2018
      • Report Tweet
      • Report NetzDG Violation

      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

      4 replies 7 retweets 20 likes
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    2. Patrick McKenzie‏ @patio11 20 Mar 2018
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      • Report NetzDG Violation

      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.

      4 replies 1 retweet 7 likes
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    3. Patrick McKenzie‏ @patio11 20 Mar 2018
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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?

      1 reply 1 retweet 13 likes
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    4. Patrick McKenzie‏ @patio11 20 Mar 2018
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      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.)

      7 replies 1 retweet 13 likes
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    5. Andrei Popovici‏ @andreipopovici 20 Mar 2018
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      Replying to @patio11

      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...

      1 reply 0 retweets 0 likes
    6. Patrick McKenzie‏ @patio11 20 Mar 2018
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      Replying to @andreipopovici

      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)

      2 replies 0 retweets 0 likes
      Patrick McKenzie‏ @patio11 20 Mar 2018
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      Replying to @patio11 @andreipopovici

      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).

      7:16 AM - 20 Mar 2018
      0 replies 0 retweets 0 likes

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