I have sent messages to both of these companies and have changed my prescriptions to Walgreens this morning. Why are these companies so stupid in light of the current security lapses ? I suggest that others do the same. Talk is not enough.
No, there are no laws forcing acceptance of certain forms of payment. There are laws that payment denominated in US dollars be accepted, in an acceptable form.
One quick example is in-flight drink purchases. Many airlines explicitly no longer accept cash.
Now there is an excellent use of ?Pay. Dewar's on the rocks please.
Apple Pay is a great way to "vote" on who we want to continue to do business with!! To hell with the idiot vendors who want to tie it to our Bank accounts and market to us based on what we buy!!!
I'm sorry but this is exactly why iPhone users get such a bad reputation. It's a phone, not your identity. You let this thing decide every decision in your life like it's the most important part of your life. It's a phone.
I have about 6 devices I use as phones, and I seem to pick up new ones about every 3 months. I use Skype, I have a skype phone number, so all my devices have cellular turned off. I even have a hotspot on my keychain for when I feel like using a mini tablet or a locked phone I bought on the cheap in airplane mode with wifi on, and yes even iPhones (there cheap when people don't pay there bill).
Point I'm trying to make is all the devices I won have benefits, and some days some of those benefits are more valuable than others. But despite my ability to literally take any device with me anytime I have never once thought to dictate my life, shopping habits, or anything around the device in my pocket. It's insane.
Android is easier to manage music on, so it's my music day device. iPad mini is great for games so it's my weekend phone. etc...
I'm sorry but this is exactly why iPhone users get such a bad reputation. It's a phone, not your identity. You let this thing decide every decision in your life like it's the most important part of your life. It's a phone.
CurrentC will not be successful - I know I will not use it because it is more inconvenient than my credit card. I think the partners were hoping ApplePay would not work, but it did work. They were hoping ApplePay would fail and Apple would have egg on their face. Since it did work, it was an act of desperation on the part of CurrentC partners to turn off the electronic payments for everyone until they could bring their inferior system to market. Why is it groups like CurrentC and ATT try to stop Apple ? Desperation - Go with the flow and take the customers' money.
I'm aware of that. I have no problem with a store tracking my purchases made in their stores, with some customer rewards program or app. It's a choice I made. I use a Luckys and Walgreen Reward all the time to take advanage of their offers. But I do have a problem with some one like Google or this "CurrentC" thing tracking and data mining my purchases across many different stores (or in the case of GWallet across every purchase.), without having a say in it. And I know my CC issuer tracks my purchases. But a least I get bonus points, for using the CC, that can be converted to cash. Where's my check from Google for all the money they made off me by selling by personal data to advertisers?
The discussion was about retailers profiling, collecting either anonymized or in some cases highly specific personal information collected during store visits. That seemed to be the objection you yourself had to CVS and Rite-aides competing payments plan. ApplePay does not prevent retailers like Walgreen's from mining "you". In fact those that buy-in to the whole Apple package may get much better insights into your personal shopping behavior than is currently possible with Google and their Wallet app.
Now is it possible that Google does their own mining from Google Wallet uses? Not only possible but likely since Google's primary revenue source is ad placement for other companies (and not selling data as some seem to believe), so the most nefarious thing you might get is a related ad at some point. Or not.
Is it possible Apple also does some data mining via ApplePay use? Impossible to say for certain. All we know is Apple doesn't store the CC numbers or actual money transaction on their end unlike Google, which many users will appreciate. Others would be ho-hum about it.
Boycott CSV and RiteAid until they bring back Apple Pay as an option for the consumers. We don't want our information used for there evil means through there crappy service period!
Except for one thing, they get no personal data from Apple Pay, not even your credit card number. So I think you have your facts wrong. The only thing that shows on there side is an approval code for the transaction with Apple Pay, that's it.
Not sharing your credit card number in no way prevents the retailer tracking you as a customer. You're confusing the two and assuming that one prevents the other.
Example: If you have a Walgreen's app on your phone, or I believe any other iBeacon-compatible app that might use the same backend provider, then Walgreens has the capability of personalizing an offer or ad just for you as soon as you enter the store, follow you thru the aisles while noting wherever you stop and for how long to help determine interests, and find out for certain if that targeted ad resulted in a sale. Default iAds, default bluetooth, iBeacons, compatible apps that no longer need to be open to receive offers, and loyalty programs are all connected. Apple has really done a great job in thinking everything thru. ApplePay completes it.
your example of app-enbled in-store tracking doesnt really have anything to do w/ POS transacation tracking, which is the issue on the table. that can most certainly be done by the retailer using the CC number as the primary key and saved in their database at point of purchase. i havent read anything to indicate that its possible w/ Apple Pay.
I'm sorry but this is exactly why iPhone users get such a bad reputation. It's a phone, not your identity. You let this thing decide every decision in your life like it's the most important part of your life. It's a phone.
nope. it's a tool. voice dialing is one feature of the tool, but not the only or even main one. we choose which tools we wish to use to solve the jobs-to-be-done in our lives. protecting our security and financial info is one of those jobs. thus tools that can do this effectively hold more value to us as those who purchase said tools.
So, it seems Apple and Google have a common enemy. They could stop this stupid system in its tracks if they both just refused to put the CurrentC app in their respective app stores.
Instead of boycotting outright, go to the store and grab a bunch of stuff off the shelf and just leave the stuff at the register when they say they don't accept Apple Pay. That will get their attention faster. The store managers won't know when you boycott their store, but they will know when you are in there and walk out. That feedback will get up the flagpole pretty darn quickly.
Wow, that's quite a one-two punch - first "use our crappy cumbersome service so we can track you with no benefit to you in return" and second "trust us - give us direct access to your bank account". Are they freaking high?!? Why would I want to give these idiots direct access to my money unfettered? What's in it for me? What's their fraud protection? For all the warts at least with credit cards I know my rights.
Notably Walmark is trying to find a way around Visa's 2-3% transaction fees using an App behind MCX called CurrentC. From what I have determined there are mostly negatives for the consumer. I don't mind Walmart trying to do this. Credit Card companies have been gouging merchants for years, But I think Walmart is going to the other extreme.
Pros for the Consumer: The only advantages I can see for the consumer is the purchase might become cheaper if the retailers hand on some of the fee reduction. This probably will never happen though. Potentially MCX can reach anyone with a smartphone who installs the CurrentC app. You can also add retailers's loyalty credit cards or gift cards as payment methods. It's possible that if you already have your bank account connected to a partner retailer's loyalty or credit card, you may be able to automatically link that bank account to your CurrentC.
Cons for the consumer: Security of the App behind MCX (CurrentC) The individual transactions are tokenized however so likelihood of interception is very low however if someone hacks you phone and The Terms Of Service leaves high liability for fraud to the user if someone else is able to get access to a user's phone and make CurrentC payments. When you sign up for CurrentC, you're supposed to add your bank account. This lets CurrentC process payments for you without retailers having to pay the credit card processing fee.Given the amount of fraud and hacks I thing this method is fraught with problems not to mention all the extra data that will be collected on consumer's precise geographical spending habits.
I know the credit card company has all this information but this method expands it even more
So ultimately which to trust. ME well neither of them , Better the devil you know...... I certainly don't want to be cast from the fying pan into the fire, After all the Anti spam/ privacy act states in summary : that a busness has the right to only contact you if you have done business with them. If they have a record of your purchase that effectively negates that protection!
Comments
I have sent messages to both of these companies and have changed my prescriptions to Walgreens this morning. Why are these companies so stupid in light of the current security lapses ? I suggest that others do the same. Talk is not enough.
Cutty Sark.
I have about 6 devices I use as phones, and I seem to pick up new ones about every 3 months. I use Skype, I have a skype phone number, so all my devices have cellular turned off. I even have a hotspot on my keychain for when I feel like using a mini tablet or a locked phone I bought on the cheap in airplane mode with wifi on, and yes even iPhones (there cheap when people don't pay there bill).
Point I'm trying to make is all the devices I won have benefits, and some days some of those benefits are more valuable than others. But despite my ability to literally take any device with me anytime I have never once thought to dictate my life, shopping habits, or anything around the device in my pocket. It's insane.
Android is easier to manage music on, so it's my music day device. iPad mini is great for games so it's my weekend phone. etc...
I'm sorry but this is exactly why iPhone users get such a bad reputation. It's a phone, not your identity. You let this thing decide every decision in your life like it's the most important part of your life. It's a phone.
Bad reputation? wtf are you talking about?
It's not a phone. It has a phone.
Isn't there a website where we as users voice our opinions and tell retailers to stop doing crap? Where we can sign a petition to stop CurrentC crap?
Moveon.org
Now is it possible that Google does their own mining from Google Wallet uses? Not only possible but likely since Google's primary revenue source is ad placement for other companies (and not selling data as some seem to believe), so the most nefarious thing you might get is a related ad at some point. Or not.
Is it possible Apple also does some data mining via ApplePay use? Impossible to say for certain. All we know is Apple doesn't store the CC numbers or actual money transaction on their end unlike Google, which many users will appreciate. Others would be ho-hum about it.
Boycott CSV and RiteAid until they bring back Apple Pay as an option for the consumers. We don't want our information used for there evil means through there crappy service period!
Except for one thing, they get no personal data from Apple Pay, not even your credit card number. So I think you have your facts wrong. The only thing that shows on there side is an approval code for the transaction with Apple Pay, that's it.
Tell them how you feel here
CVS
http://www.cvs.com/help/email-customer-relations.jsp?callType=store&topicid=200018
and
Rite-Aid
https://www.riteaid.com/customer-support/contact-us
done. thanks.
I believe you're failing to comprehend the several meanings of the word consume and therefore the meaning of kent's post and my reply.
One definition of consume is the act of taking food for nourishment. You don't eat air by absorbing it into your digestive tract, you inhale it.
Another definition of consume is to use something to the point where it's changed or no longer usable or available.
The nitrogen people inhale isn't used, it merely comes out again, unchanged and available in its original state.
Conversely the corn people consume doesn't come out of them in the same state it entered!
Their body may not utilise all of the corn but it definitely has used some of it!
I suspect people won't be keen on eating corn passed out of somebody else, to them it will already have been consumed!
This whole nitrogen discussion is driving me around the bends!
p.s. I am a certified scuba diver so allowed to make that joke.
Plus me. ????
Not sharing your credit card number in no way prevents the retailer tracking you as a customer. You're confusing the two and assuming that one prevents the other.
Example: If you have a Walgreen's app on your phone, or I believe any other iBeacon-compatible app that might use the same backend provider, then Walgreens has the capability of personalizing an offer or ad just for you as soon as you enter the store, follow you thru the aisles while noting wherever you stop and for how long to help determine interests, and find out for certain if that targeted ad resulted in a sale. Default iAds, default bluetooth, iBeacons, compatible apps that no longer need to be open to receive offers, and loyalty programs are all connected. Apple has really done a great job in thinking everything thru. ApplePay completes it.
your example of app-enbled in-store tracking doesnt really have anything to do w/ POS transacation tracking, which is the issue on the table. that can most certainly be done by the retailer using the CC number as the primary key and saved in their database at point of purchase. i havent read anything to indicate that its possible w/ Apple Pay.
I'm sorry but this is exactly why iPhone users get such a bad reputation. It's a phone, not your identity. You let this thing decide every decision in your life like it's the most important part of your life. It's a phone.
nope. it's a tool. voice dialing is one feature of the tool, but not the only or even main one. we choose which tools we wish to use to solve the jobs-to-be-done in our lives. protecting our security and financial info is one of those jobs. thus tools that can do this effectively hold more value to us as those who purchase said tools.
durrr.
It's a phone. That's it? It offers no other utility than to make and receive calls?
[VIDEO]
Tell them how you feel here
CVS
http://www.cvs.com/help/email-customer-relations.jsp?callType=store&topicid=200018
and
here
Rite-Aid
https://www.riteaid.com/customer-support/contact-us
Instead of boycotting outright, go to the store and grab a bunch of stuff off the shelf and just leave the stuff at the register when they say they don't accept Apple Pay. That will get their attention faster. The store managers won't know when you boycott their store, but they will know when you are in there and walk out. That feedback will get up the flagpole pretty darn quickly.
Good luck with this half assed scheme....
Pros for the Consumer: The only advantages I can see for the consumer is the purchase might become cheaper if the retailers hand on some of the fee reduction. This probably will never happen though. Potentially MCX can reach anyone with a smartphone who installs the CurrentC app. You can also add retailers's loyalty credit cards or gift cards as payment methods. It's possible that if you already have your bank account connected to a partner retailer's loyalty or credit card, you may be able to automatically link that bank account to your CurrentC.
Cons for the consumer: Security of the App behind MCX (CurrentC) The individual transactions are tokenized however so likelihood of interception is very low however if someone hacks you phone and The Terms Of Service leaves high liability for fraud to the user if someone else is able to get access to a user's phone and make CurrentC payments. When you sign up for CurrentC, you're supposed to add your bank account. This lets CurrentC process payments for you without retailers having to pay the credit card processing fee.Given the amount of fraud and hacks I thing this method is fraught with problems not to mention all the extra data that will be collected on consumer's precise geographical spending habits.
I know the credit card company has all this information but this method expands it even more
So ultimately which to trust. ME well neither of them , Better the devil you know...... I certainly don't want to be cast from the fying pan into the fire, After all the Anti spam/ privacy act states in summary : that a busness has the right to only contact you if you have done business with them. If they have a record of your purchase that effectively negates that protection!