Wednesday, October 29, 2014

Mobile Payment: Question for MCX guys - What Happens When You Get Hacked And the Bad Guys Empty My Checking Account?

Every few weeks, you hear about this or that retailer getting hacked and millions of credit cards are stolen.  Okay, when that happens, we talk to our bank and change the numbers on the credit card or, worse, have charges reversed if we happen to be unlucky enough to have been a victim of credit card fraud. 

With the consumer-unfriendly CurrentC being developed by good folks at Walmart, Target, CVS, and a few others and slated for 2015, there is one question that has been bugging me beyond these retailers asking for very personal questions like social security numbers and sharing with each other our buying habits that has not been asked.

What happens when, not if, one or more of these retailers and "third parties" they will inevitably blame when the CurrentC system is hacked to our bank accounts?  Do we need new bank account numbers?  Change banks? 

And will will put the stolen money back in when they're emptied by these hackers?  Does anyone know? 


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