Google Mobile-Payment Patent Raises Privacy Flags
bizwriter writes "Google has been interested in the mobile payment business, with rumored service tests coming soon. Now the rumors have some more tangible back-up in the form of a patent application that not only describes a versatile payment system, but one in which Google would obtain details of purchasing that are normally unavailable."
Reader Batblue points out a related article about how the temptation of 'big data' is leading businesses to draw us closer to a surveillance society.
Google wants to datamine everything and isn't shy to violate some privacy in the progress? Call me surprised. This isn't even some random company that wants to do it. It's a company which business model is advertising and collecting data. They have a huge larger interest in datamining than usual companies.
When you usually pay your purchases via merchant, the payment processing company only gets the total value of items. They don't know what you're buying. Now Google wants to get all that data too - name of the porn movies you buy, what food you eat, how you never buy any condoms, and how you bought a book that tries to teach you self-respect. They get all this information, when you buy it and where you go. Soon you began seeing related ads everywhere. Your Google searches will be full of "lose weight" and "not getting laid?" advertisements.
I wish there was a payment processor I could pay extra for not trying to fuck me in the ass all the time. But compared to Google, they're just like little kids fingers. But Google, no. Google is the 500lb gorilla that will do major damage to your anus. And it will be bloody, and it will hurt for a long time. I'm getting sick and tired of that, and I hope no more people give in. It's the same issue with software. Who wants to have adware on their computer? Who wants to be tracked all the time? Well, if your primary business model is in the advertising business, that's how you make money off people. Your customers aren't the people using software, they're advertising. When I'm buying software from lets say Microsoft, I know what I will get. I know how they make their money and it is in their best interest not to lose customers faith. We, the people using Microsoft's products, are the customers. Not some shady advertisers who's primary goal is to violate your privacy and steal your hard earned money.
So it isn't Big brother that you need to watch out for but Uncle CEO.
The worse part is your not even in the will.
i thought once I was found, but it was only a dream.
Shill spotted.
Also you might want to look into WGA's phone-home behavior.
"When information is power, privacy is freedom" - Jah-Wren Ryel
Is it really a "surveillance society" if we as an individual like to have our personal data at our fingertips?
I would love it if we could have things like receipts digitalized so that I can see my trends/habits. Also I hate paper receipts.
Saying a voluntary mobile payment plan is turning us into a "surveillance society", feels like "surveillance" would mean trying to criminalize us which currently doesn't seem to be Google's goal.
Want greatest privacy? Use cash. Want to give up privacy for the convenience? Use mobile payment. And, if we know Google well enough, they'll most likely let you track your spendings in neat little infographics. Obviously if you don't want your wife to know you bought a Fleshlight then don't use a credit card. But for mundane payments like a burger at McD, why the he'll not?
I hate to break it to everyone but the last time I ran an online store the Merchant Account processors required that I submit everything. The persons info, CC# ISV, list of items being purchased, etc. I was running a lab supply company and the Merchant Account processor would review my sales every month and cut off my ability to process CC's. Seems that Petri dishes, syringes, and beakers are considered "Drug Paraphernalia" and if they see them they cut you off. In a 1 year time I went through 4 Merchant providers and the only suggestion that was given was to shutdown the online site and publish catalogs and do mail order only as that processing does not require you to submit the items being purchased. Needless to say, I shutdown the company. I dont trust the CC processors (Merchant account processors) There needs to be something done about them.
> When I'm buying software from lets say Microsoft, I know what I will get. I know how they make their money and it is in their best interest not to lose customers faith.
Windows Vista.
Your argument is invalid.
---- MISSING MISCELLANEOUS DATA SEGMENT --- [sigdash] trolololol
Not only is the guy a shill, he's a pretty lame troll. To respond to him is even more lame. Now go away. We know you're the same shill as the original poster.
Maybe you need to diversify -
Anon-Admin Company DBA "Lab Supply Co" and "Kitchen Ware Inc"
item catalog_a catalog_b
0001 petridish saucer
0002 syringe baster
0003 beaker teacup
etc...
The CC processor shouldn't have any problem with stock item 0002, if they only see catalog_b, right?
This issue is a bit more complicated than you think.
"A patent isn't a product."
Patents have only one power. To prevent others from using what you patented. You don't have to do it. You might not want to. You might not be able to. So why file for a patent on something you'll never use?
Strategy. If you figure out two good ways to make something, but one is slightly better than the other, you patent both. But you're not going to bother making something the less desirable way, you just don't want a competitor to either. Or maybe for moral reasons, you don't want anyone to do it (lobotomy ray gun, whatever).
Or maybe you can't do what you patented for practical reasons. Patent interference, market conditions, the law (i.e. bald eagle killing machine).
If and when Google actually implements the patent everyone is commenting on, then you can worry. Until then, a patent isn't a product. It's just an idea on a piece of paper.
The world is made by those who show up for the job.
The way I see it, the temptation of 'big data' is leading businesses to draw us closer to a transparent society. I, personally, would prefer to live in a world where every public official's voting record is on display, dating back to their first local government position, correlated with their publicly-voiced positions on the issues. I'd like to see insurance companies charge more to drivers who take their cars to neighbor Bubba's barn for repairs, and (by regulation, if necessary) charge less to people who usually take their cars to well-qualified reputable mechanics. I'd like to see mechanics' reputations be based on how many of their repairs fail. I'd like to have a society where every company and individual can have access to the information that's relevant to them.
If there's less chance of a company being screwed over by any random person, then there's less chance of a company screwing over any random customer, including myself. I'm perfectly fine enforcing that by industry regulation, but the information has to come first. If the price of such idealism is that I can't lie to my doctor anymore, so be it.
You do not have a moral or legal right to do absolutely anything you want.
I'm not a Microsoft employee, or a particularly big fan of the company either. But I completely agree with the OP; MS is happy just knowing that you're buying their product. They're not interested in knowing that you have trouble getting it up so they can serve you Cialis ads. The biggest thing you gotta worry about MS is that if the product you bought isn't doing too well they'll kill it off and leave you hanging.
There needs to be something done about them.
Yes, demand legalization of "Drug Paraphernalia", and drugs, for that matter. If you don't, it will only get worse. Don't enable them.
For justice, we must go to Don Corleone
That's not a haiku.
This message brought to you by the Foundation for Troll Education.
You do not have a moral or legal right to do absolutely anything you want.
I hate to break it to everyone but the last time I ran an online store the Merchant Account processors required that I submit everything. The persons info, CC# ISV, list of items being purchased, etc. I was running a lab supply company and the Merchant Account processor would review my sales every month and cut off my ability to process CC's. Seems that Petri dishes, syringes, and beakers are considered "Drug Paraphernalia" and if they see them they cut you off. In a 1 year time I went through 4 Merchant providers and the only suggestion that was given was to shutdown the online site and publish catalogs and do mail order only as that processing does not require you to submit the items being purchased. Needless to say, I shutdown the company. I dont trust the CC processors (Merchant account processors) There needs to be something done about them.
Not to mention card issuers _already_ mine your transactions for targeted advertising purposes.
Here's one service that does this. http://www.cardlytics.com/
I just wanted to get that out there before people think what Google is looking at is new. Good, bad, IDK. But not new.
I assume it carries the same excuses as any other targeted advertising... it's good for consumers because the ads suck less?
But the fact that he consistently gets FP on stories and manages to slip something about how great Microsoft is into the post somewhere, and note that his 3-paragraph essay took him < 1 minute to write and post...
I think that in return for our monetizable purchasing habit info google should pay us with google shares. That way anything that benefits google benefits us. Milo Minderbinder had it all worked out.
Some drink at the fountain of knowledge. Others just gargle.
(Score:?)
by Anonymous Coward on Friday March 25, @12:23PM
the objections being raised by the neogods.biz.gov include; he will end requiring almost everything will be 'free' (as in no 'middle man', hostage scenario usury etc...). they're also up in arms about his privacy notions.
Vista worked and worked fine. I don't get all the hate.
I am trolling
Do not feed the troll.
The battle is all uphill.
Snow melts in spring.
Lost at C:>. Found at C.
Have tried Square?
"A person is smart. People are dumb, panicky dangerous animals and you know it." - K
You make a classic Slashdotter mistake, which is presuming that shill == automatically wrong, or that shill == someone I disagree with. It's neither. You can agree with a shill, and he can even be correct in his statements. devxo (the OP) actually has a fairly good record for a shill -- out of his ~30 previous first posts, I've agreed with him on roughly half his posts.
So I guess I just wanted to say, you concurring with the OP doesn't not make him a shill or a troll.
The way I see it, the temptation of 'big data' is leading businesses to draw us closer to a transparent society. I, personally, would prefer to live in a world where every public official's voting record is on display, dating back to their first local government position, correlated with their publicly-voiced positions on the issues.
While it's not quite as comprehensive as what you suggest, see http://www.ontheissues.org/tx/ron_paul.htm
Don't spend energy fighting it that could otherwise go towards getting laws to protect us from abuse.
The Kruger Dunning explains most post on
When I'm buying software from lets say Microsoft, I know what I will get. I know how they make their money and it is in their best interest not to lose customers faith.
Uh, that's only partially true for businesses. Microsoft has never truly given a fuck about home users, it's not even their focus. If Windows was about you and me it would be a much better operating system today.
Windows ME ... ...
Kin
Vista is crap. It's bloatde, not secure, can hand file moves well, and well a great deal of many thing.
And I am not a Windows hater, I just calls them as I sees them. AS a Windows developer it is in my best interests t be critical and realistic of their OS. Win 7 and XP are both superior to Vista, but for different reasons.
The Kruger Dunning explains most post on
I concur your analysis is not incorrect.
"Google wants to datamine everything" Yes, it's their business.
"isn't shy to violate some privacy in the progress?"
based on what? this speculative article?
" the payment processing company only gets the total value of items."
And where you processed it. Since it ALREADY has all the data it could want about you it doesn't really need more. If it wanted it could very easily find out what you purchased.
Since I have gotten a call from my credit card company asking my if I had made a purchase from across the US, they knew everything that had been purchased. SO I suspect your assertation is incorrect.
"We, the people using Microsoft's products, are the customer"
No, we are not. Business's are. Dell, HP, best buy.
Why do you think a business can get win 7 ultimate for 50 dollars, but it cost customer 100s?
The Kruger Dunning explains most post on
It seems I was channeling Uncyclopedia on double negatives :). Sorry.
I like Windows, but Vista was that decade's ME.
Ceci n'est pas un sig.
I suggest you look up wire fraud.
What the author doesn't seem to know is that credit card transactions are itemized. Even if one's bill is just a summary transaction statement, one can request and receive an itemized bill from one's credit card service that will show every item purchased. "Established payment system companies" already collect and keep on record this "valuable information". They have been doing it for as long as they have existed to investigate and prevent fraud.
This is Slashdot. They hate Windows 7 despite it being otherwise widely praised and loved.
Vista broke a fair bit of binary compatibility, which was unusual for Windows, and drivers weren't ready for it on launch. Never mind that Linux seemingly breaks binary compatibility every friggin' version, and is still spotty with driver support...
This is Slashdot. They hate Windows 7 despite it being otherwise widely praised and loved.
That's just not true, which you can verify by searching /. for Win7 references. People here always give Win7 an 'okay' or 'good' just rarely a 'great' (probably because it isn't great; it's simply better than previous versions).
who would be defrauded in that scenario? customer buys item3, CC processor keeps their cut, vendor gets credit for item3, everyone is happy. Who cares what item3 is, it is item3.
some are saying there should be no usury fees foistered on folks conducting real business, & banks/brokers are already overpaid by themselves & secret.gov deals/subsidies/tax breaks/theft/deception, the usual etc..., so raping us every day is not really required, but amusing to them, & keeps us in our place, which is poor.
The way I see it, the temptation of 'big data' is leading businesses to draw us closer to a transparent society. I, personally, would prefer to live in a world where every public official's voting record is on display, dating back to their first local government position, correlated with their publicly-voiced positions on the issues.
The only transparency this is likely to bring is a one-way mirror. The rich and powerful can see everything you do, but every attempt to see what the powerful do will be reflected by "respect for privacy". If there were a chance it would bring real accountability to governments and corporations, then perhaps it could be a helpful thing. There is no chance it would.
Apple has actually fought with (and of course won) third party vendors on the App store to protect customer privacy. It isn't just that 30% fee the vendors hate - they want your data too! Well sorry, you can't have it on iOS. In fact, one of the great selling points for the iOS ecosystem (vs Android) is you can just enter your credit card with Apple, and be able to use it for all purchases, simply by entering a password. No re-entering your info for every purchase, no privacy or data mining risks.
For all those hating on Apple for daring to ask for a cut (for, you know, shareholders) on those selling stuff on its 200 million credit card ecosystem, I can't imagine an argument you could possibly make for Google being even close on privacy issues. Don't let your Android dogma run over your Karma.
Slashdot "libertarians": Small government for me, big government for those I disagree with. -1, I disagree with you
Driver support is spotty with windows too, in a different way: old hardware does not get updated drivers at the next iteration.
So you either choose among less peripherals supported by FOSS drivers or keep throwing out perfectly working stuff because it becomes impractical to use.
I hate vista because I used it for 30 minutes on a new laptop and seen my old laptop with half cores and bus length (32bit 1 core) was noticeably faster.
That vista became usable after more than a year under a different name is irrelevant, the thesis that one software house publishes what's in the interest of their customers is untenable. You want another? Oracle.
You want a debatable third? Ubuntu. But Ubuntu is FOSS so you might switch to mint, aptosid, debian without big problems.
---- MISSING MISCELLANEOUS DATA SEGMENT --- [sigdash] trolololol
It's bloatde, not secure, can hand file moves well, and well a great deal of many thing. ... I just calls them as I sees them. AS a Windows developer it is in my best interests t be critical and realistic of their OS.
Serious question: were you drunk when you typed that?
I'm with you! I can't figure out how a shape can be illegal anyway. Tommy Chong got arrested for selling bongs, which are essentially blown glass vases with a stem in the bottom. How in the world a particular shape of glass tube can be illegal is beyond me.
Same goes for shapes molded in latex. No clue in this world as to how you could rule a molded piece of rubber as obscene and therefore illegal.
Nannies of every stripe need to get over themselves and let other people govern their own lives. If you are really interested in what the negative consequences of banning drugs look like, just head to the US/Mexico border. 50k dead in the drug war there - 100% attributable to prohibition.
I'm sure your account will be disabled with no appeal or explanation after putting your first transaction through.
Who did what now?
I have voluntarily provided my information to google in return for its services and I don't care what you guys think about it. The government takes our DNA at police stations, fingerprints and nude images at the airports (besides all data on paper), giving us nothing in return. I would be happy to have a mobile payment option provided by the same company I already deal with on a daily basis. If it doesn't work well, I'll try something else...
You might be confusing Merchant Account with the people who do your CC processing. The API we use (Authorize.net) to run the transaction most definitely does not require you to submit a detailed item list, just the price.
We also don't have to submit any invoice number to detailed shipping list papers to our bank where we have our merchant account.
Sooooo, maybe you didn't do enough business to get an account that didn't give you crap about selling stuff.
I'm not sure how long ago you used that payment processor, but that's definitely not the case anymore. Two of the popular 3rd party payment gateways, Authorize.Net and PayPal Payflow Pro, will only require at minimum billing information to be submitted. Other gateways that I've come across provided by the processor are pretty much the same. They allow you to submit an order ID and/or description and shipping information, but I've only seen one or two that take itemized products. All of which is optional.
Looks like Google is on its way to obtaining another very valuable patent. Expect a slew of patent infringement suits to follow -- this is probably part of the battleground of the next round of mobile patent wars.