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Comment by eeeeeeeeeeeee | Hacker News Reader

You are being downvoted because you completely dismissed something that people worked hard on because it apparently didn't completely solve all credit card fraud instantly.

You also didn't even say which three issues you think Final solves, making discussion about the issue even more difficult.

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First off, this company makes a really big claim, "The credit card was broken. We fixed it." Super sweeping, no? Then they say "The next time you hear about a big credit card breach, you can relax." Both of those statements clearly aren't true, IMO, so if I was harsh, it was partly in reaction to their over the top hype. Don't claim you solved the problem of credit card fraud when you really just made a disposable number generator that's already available from two big national banks, and didn't do anything new to address the issue of physical card use and all the associated forms of fraud.

Anyway, in terms of constructively mentioning more specifics, I was thinking it can solve:

-Hacked E-commerce Merchant... [since they get a virtual number]

-Malware on Consumer PC... [since you would not be storing/entering the actual number any more]

Less so, now that I think about it:

-Physical record theft [from] Merchant, government agency... [Kinda - if you pay all government agencies and merchants virtually, you're fine, although those you pay physically are still vulnerable to theft]

(Processor breach is still going to catch your physical purchases, but using virtual numbers online could reduce the attack surface of that particualr vector... So I guess it's two clear solves and two half solves... depending how much online purchasing you do vs physical)

Also, anyone who thinks i'm completely dismissing the company is reading too much into my comment. By "no thanks!" I just mean it doesn't solve any problems for me right now. That's not a dismissal of the company's long term prospects, just because, IMO, the MVP is weak, for me. (As I said in another comment, I happen to bank at a national bank that offers free disposable CC numbers to all customers through standard online banking web login... not everyone has that, so maybe they'll sign up.)

what national bank is that?

Citi and Bank of America both seem to offer temporary credit card numbers for their customers.

https://www.cardbenefits.citi.com/Products/Virtual-Account-N...

https://www.bankofamerica.com/privacy/accounts-cards/shopsaf...

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