ApplePay's main opponent was heated by the Battle of Black mobile payments

Said there are two kinds of people in the world do not easily provoke: first, angry women; second, angry fans. Unfortunately, Merchant Customer Exchange (MCX), while understanding the truth, is rather passively "provoked": October 30, MCX publicly admitted that his system was attacked by hackers, saying "in the last 36 hours, An unidentified third party program has invaded some CurrentC registered user's email address.

Perhaps you are a little curious, MCX is the holy? Why did the foreign media report it was black? If you are not familiar with MCX, if you talk about Apple's latest mobile payment feature, Apple Pay, you must be familiar with it. In fact, Apple has been hoping to boost consumers ' acceptance of new mobile payments through its own powerful influence, but the rite, led by the American chain of pharmacies, the drug retailing giant CVS and Wal-Mart supermarkets, are not buying, not just rejecting Apple Pay, Even launched the exclusive mobile payment system CurrentC, and MCX is the CurrentC behind the silently provide technical support of the "people."

It is understood that MCX later said that although "some of the user information is stolen," but not clear how much of the affected email address, however, given that the affected account is more than the test account, so the CurrentC application services are not too much impact, users do not need to "worry too much."

In fact, although MCX has no comment on who the hackers are, it seems that the industry is not thinking of the matter with Apple Pay. Many foreign media have given their own guesses between the lines: Is it accidental to be black? Why was it black when CurrentC and Apple Pay were so tense? Would it be a little "lesson" from the angry fruit powder to CURRENTCC?

No one can give a positive answer to these guesses, but it is clear that the attack on the MCX system is bound to raise questions about the security of its information. In the mobile payment area where the data is money, with Apple Pay or CurrentC? Which makes people more at ease, which will be able to win in this arena.

It is understood that the use of NFC near-field communication technology with Apple Pay, CurrentC mainly using QR two-dimensional code scanning way to pay.

In a recent interview with the Wall Street Journal, Apple CEO Tim Cook publicly admitted that Apple Pay and CurrentC were "small battles", but he also pointed out that businesses could offer some of the options, but in the long run, "Ultimately, consumers will decide to stay". To this end, the well-known science and technology website Theverge for CURRENTC application evaluation conducted a survey, in the App Store, 5 stars were rated at 17, 4 stars, 3 stars were 0 and 3, 2 were 4, and the total number of 1 star ratings was as high as 2153.

"Two-dimensional code a sweep directly to delimit my money!" Are you kidding me? "," Good waste Application "... European and American App Store market there is no navy brush points we do not know, but at least Re/code magazine said, "presumably CurrentC experience is not very ideal, at least ... is not quite in line with consumer tastes. "

So who's safer? CNN Finance believes that, although two are still in the early stages, but from the current point of view, it seems that Apple Pay privacy protection than CurrentC.

CNN financial reporter found in use, CurrentC registered users need to fill in the license account, Social Security account (Social) and date of birth "further certification", but from the commercial payment point of view, this information is not inaccessible. At the same time, MCX previously said that together with its partners to share registered users of personal data. People can not help but ask, besides MCX to see the user's payment information, name, address, e-mail, telephone and other sensitive personal data, who can guarantee that the hacker cannot see?

Apple and Google, by contrast, will not require users to provide social security accounts similar to the national identity card. On this basis, CNN Finance believes Apple's pay at least gives users a chance to choose not to fill in.

Mobile payment expert Cherian Abraham that CurrentC the timing of the attack was very unfavourable, but it was not a complete defeat in the competition with Apple Pay, but he still thought, "when it comes to security, there's not much that companies can do with Apple." Abraham points out that businesses have a choice of different ways of paying, and so does consumers, "if a merchant decides to do this rather than that, we can't say it's wrong ... Can only say that our market allows for a variety of options. "

In this respect, MCX Company CEO Dekkers Davidson in the "hacker door" immediately after the incident convened a reporter to ask. Dekkers Davidson also made it clear that the competition between Apple Pay, Google Wallet and CurrentC was "not a technical competition, but a competition between consumer participation". Although the boycott of Apple Pay will not be loosened in the near future, Dekkers Davidson also said, "Our market does need to 2~3 a strong business, only in order to ensure benign competition ... Leaving only 1 is obviously unscientific. " For the New York Times reported earlier, the MCX or to the CurrentC payers charge an additional fee. In this respect, Dekkers Davidson clear that MCX will not charge any extra fees, because "the choice is the business of their own."

For the data is black, MCX has said that the future will be for account security and focus on upgrading and optimization,

Whether it is Apple Pay or CurrentC or Google Wallet, mobile payment waves have become a foregone conclusion, the waves under the safety of the payment of what is better and more clear.