Send money with Gmail • Hacker News Board

Re: Send money with Gmail

#251

Post by mcherm » Fri, May 17, 2013, 1:01 PM UTC

kivikakk wrote: post #213

chintan wrote: post #110

Earlier quoted context omitted.

Is this only Gmail-to-Gmail? or between existing wallet customers? If you allow any email, then what about man-in-middle attack as the email might go over SMTP/plain text?

Money doesn't actually fit into email, so that's not really an issue. It's all Google Wallet, so the transfer doesn't happen over email itself.

> Money doesn't actually fit into email

Actually.... bitcoin.

Re: Send money with Gmail

#252

Post by maaku » Fri, May 17, 2013, 4:45 PM UTC

lucb1e wrote: post #248

maaku wrote: post #247

Earlier quoted context omitted.

Credit cards have nothing to do with bank accounts. Maybe you're thinking of debit cards?

Uh yes I guess. With a debit card (we just call them bank cards) you withdraw money from the bank account, but from what I've heard a credit card doesn't work entirely the same.

Credit cards are merely debt obligations, and therefore money printing machines. If I have a credit limit of $10k, there isn't actually a $10k account anywhere backing that limit. The bank pays the merchant, yes, but you can follow the trail of that money all the way up to the central bank which created it out of nothing for purpose of fulfilling debt obligations. The money is then destroyed when I pay the bank back at the end of the month.

To the consumer they appear basically the same (“they both have the VISA logo right?”), but in understanding the mechanics of what is happening, they could not be more different.

Re: Send money with Gmail

#253

Post by kapranoff » Fri, May 17, 2013, 7:21 PM UTC

jrockway wrote: post #42

Hi everyone. I've been working on this at Google for a while and would be happy to answer any questions you might have. If you don't want to ask here, feel free to email me at AT google.com. There might be a delay in responding if I get a lot of messages or if you have a particularly challenging question.

Is there any Perl code inside by any chance? :)

Re: Send money with Gmail

#254

Post by lemming » Fri, May 17, 2013, 10:55 PM UTC

jholman wrote: post #208

jrockway wrote: post #68

Earlier quoted context omitted.

Yes, you can talk to a real human. Please call us any time you think you're having a problem, the number is 1-855-492-5538. For details about what we can and can't help with, take a look at this article: http://support.google.com/wallet/bin/static.py?hl=en&pag...

They can get help from a human. But Google will not issue chargebacks for payments made via "send money with GMail".

So what's the fraud control process? In the above mentioned case, is the official advice just "be careful before you push the button"?

Re: Send money with Gmail

#255

Post by lemming » Fri, May 17, 2013, 11:23 PM UTC

patrickod wrote: post #177

timothya wrote: post #46

Earlier quoted context omitted.

I've known plenty of people who have opened bank accounts in the US without an SSN. I don't think it's strictly required.

I managed to open accounts with Chase while my SSN application was still pending / didn't have the paperwork in hand yet. They chased me up afterwards for it though and have sent me paperwork repeatedly asking for the information (SSN, reason for being in the US etc) in relation to any interest paid on accounts. Is it possible to hold an account without any sort of tax ID number (ITIN or SSN) Surely one of them is re…

I've had a bank account and associated credit card with HSBC in the US for about 5 years now, and I only got an ITIN about 6 months ago. I managed to get the account because they offer a service for Premier customers where you can link accounts in different countries together, and I already had an account in the UK.

However, over the years it's been a massive PITA to maintain since I'm not a resident, and it's getting progressively more difficult - in fact I just moved all my money out of the US to a USD account in a more friendly jurisdiction (New Zealand, where I currently live) because it was getting to the stage where I could see them possibly freezing my account and it being a pain to sort out. I suspect I wouldn't be able to open the account under the same circumstances now.

Re: Send money with Gmail

#256

Post by biot » Tue, May 21, 2013, 1:11 AM UTC

msbarnett wrote: post #237

lingben wrote: post #193

Earlier quoted context omitted.

interac is not free, this is

I'll bet you a shiny nickel that Canadians will still stick with Interac rather than a credit-card based Google Virtual Wallet based solution. Credit-card based solutions have monumentally failed to gain traction vs interac for ages.

As a counterpoint, I never use Interac for payments precisely because I can use my credit card and get all the benefits that offers: rewards, zero liability, deferred payment, etc. The only place I use debit is at Tim Horton's if I don't have cash as they don't accept Visa.

Re: Send money with Gmail

#257

Post by kivikakk » Sun, May 26, 2013, 11:46 AM UTC

mcherm wrote: post #251

kivikakk wrote: post #213

Earlier quoted context omitted.

Money doesn't actually fit into email, so that's not really an issue. It's all Google Wallet, so the transfer doesn't happen over email itself.

> Money doesn't actually fit into email Actually.... bitcoin.

No. The only way to 'send' bitcoins in email is sending the keys for the coins you still own; this (of course) is stupid, since you retain control, so it becomes a race to see which one of the people with the keys transfers them to an address they solely own first.