Commerce Signals Launches databridge

Press Release

I’m excited to announce the launch of our first product, databridgeTM. It’s no secret that banks, retailers and mobile operators have great data. The challenge for these companies has been in how they let their data “play” in a privacy-centric model that controls both WHO can use the data and HOW the data is used (see Data Leakage). This is the core of databridge, with an initial focus on enabling transaction data to measure marketing effectiveness.

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Acceptance – Part 1

I haven’t written much on acceptance over my 9 yr blogging career for one simple reason.. I was never “in” that side of the business. Given how much is going on in here I can’t leave it out any longer. Acceptance at the POS is a big topic, I see the following areas:

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Consumer Tokens

Great article in Digital Transactions that I missed in February

PAR – Consumer Tokens, February 2016

Quote “When a transaction is initiated with an EMV payment token, the functionality of these applications can be impacted since the full PAN may not be available to merchants, acquirers, and payment processors,” a recent EMVCo document says.

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Payments – Civil War?

Regulated companies like banks and MNOs must not only know who is using their data, but also HOW it is being used.. and when it is transferred, it must be destroyed. We help 1st party data owners create data products within their environment.. your data, your rules, your environment

As always sorry for the typos. This is an 8 page blog… a little long.. and not always linear…. corrections/comments are appreciated…

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The EMV of Payment Terminals – SHA-1

9 Mar

Never one to shy away from even the MOST ARCANE areas of payments… There is a firestorm in payments encryption right now.. SHA-1 is a hashing function (securing data for a counterparty without the use of public/private keys) that has long since been sunsetted by Microsoft, Google and others as “too weak” and “easily cracked”.

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P2P Payments Update + MA/Vocalink

9Mar 2016

Short blog. I can’t believe it has been 5 years since I wrote Real Time Money Transfer in US. This week we see rumor that Mastercard is looking to make 1B GBP bid to buy Vocalink. Per my Apple and P2P blog there are 4 primary options for “real time P2P” in US:

  • FIS/Vocalink/Paynet
  • Mastercard
  • Visa
  • ClearxChange/Early Warning
  • (FUTURE) Real Time Payments with TCH
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