Tag: debit

把 CSC (卡片背面的三碼) 變成 OTP (動態密碼)

把信用卡背面的後三碼 (Card security code) 變成動態密碼，雖然一般只會有三碼，但對於網路消費應該會有不少幫助，不過這樣就不能完全不拿出卡片了...：「This high-tech card is being rolled out by French banks to eliminate fraud」。

產品叫做 MotionCode，會先從法國開始：

Today both Société Générale and Groupe BPCE, two of France’s largest banking groups, are preparing to roll out these cards across all their customers after completing a pilot scheme last year.

然後是波蘭、墨西哥以及英國在規劃：

There are other pilots underway in Poland and Mexico, and Davis is running Oberthur’s UK operation with the hope of getting a pilot or trial started with a UK bank soon.

MasterCard 在英國被告收取過高的手續費

在「Mastercard sued for $19 billion in Britain's biggest damages claim」這邊看到的幾個重點，第一個是歐盟對國際手續費 1% 的限制：(雖然 Brexit...)

A lawyer working on the case said Mastercard charged shops fees in excess of 1 percent for card use on international transactions between 1992 and 2008.Although the EU's anti-trust regulator only ruled Mastercard's international fees were illegal, this impacted British consumers as it was the default fee used in Britain.

另外一個是兩年前的新規定：

Two years ago, the European Union capped the fees retailers pay at 0.2 percent for debit cards and 0.3 percent for credit cards.

唔... (回頭看台灣的帳單)