PortableOne counters the misconceptions causing 24% of americans to avoid shopping online
PortableOne Counters the Misconceptions Causing 24% of Americans to Avoid Shopping Online
Published on: Mar 4, 2016
Transcripts - PortableOne counters the misconceptions causing 24% of americans to avoid shopping online
PortableOne Counters the Misconceptions Causing 24% of Americans
to Avoid Shopping Online
According to a recent USA Today’s survey, whose results were published on June 3rd 2014, on USA
Today’s official blog, recent breaches at brick and mortar stores like Target, Michael’s, T.J. Max, and
Marshals, are reportedly scaring off around 24% of online Americans into curtailing their online
shopping. However, Scott Darling at PortableOne.com points out that consumers should actually be
afraid of using a credit card in person.
Are credit card breaches happening at On-Line retailers or at "Brick and Mortar" stores?
According to the previously mentioned survey, conducted by USA Today from May 29 2014 to June
1st 2014, after recent security breaches resulting in actual stolen credit card information, 24% of
Americans started to prefer shopping in person at brick and mortar stores vs. shopping online. Those
breaches are making people feel insecure about the information that they put online, specifically
their credit card details.
Most of the actual reported loss of consumer credit card information has occurred at brick and
mortar stores like Target and Michael’s, while other major card breaches have involved skimmers at
bank ATM machines, Point of Sale (POS) terminals at grocery store checkout counters, as described
in this press release issued by SaveMart on November 23rd 2011, and published by CBS Local.
The breaches at Target and Michael’s involved malicious software installed on Target and Michael’s
servers that electronically collected and sent credit card information to the crooks from holiday in-
store purchases. According to this December 19 2013 report by the Reuters, “The theft [at Target]
was national in scope and happened in stores, not online, and may have involved tampering with the
machines customers use to swipe their cards when making purchases”.
According to Scott Darling, Portable One CEO and former Vice President at Visa, “Most major credit
cards come with a 0% liability protection for the card holder meaning that if their card is
compromised, the consumer will not be held responsible for unauthorized charges. Target cards are
not branded by Visa, MasterCard or American Express who offer those protections, as explained in
Target’s RedCard, very own disclaimer
While consumers can benefit from a range of built-in protections when shopping online, there are
relatively few precautions one can take in a brick and mortar store. Several of the recent scams
involved malicious hardware and software inside of legitimate POS terminals at grocery stores, like
the most recent report by ABC News, June 11 2014, of a breach at P.F. Chang. Terminals looked
perfectly normal to shoppers, store employees and even the technicians who installed them. Other
scams, reports KXAN News in Round Rock, TX on May 20th 2014, involve employees who secretly
skim a patron’s card behind the service counter or around the corner after its handed to them to pay
the check. These in-person thefts have been happening coast to coast and just about everywhere in
Recent history reminds of a massive 2012 security breach, involving Global Payments, a major
payment processor that sits electronically between many banks. According to the Wall Street
Journal, On March 30th 2012, Global Payments was at the center of a scandal, involving 10 million
cards electronically stolen, at physical points of sale.
According to the article, “The breach underscores the mazelike network of the U.S. payment system,
where little-known companies play important roles in processing billions of transactions each day.
Global Payments is part of a group of companies called "third-party processors," that serve as
middlemen between merchants and banks.”
While this might be an oversimplification, using a credit card in a physical store does not keep the
credit card information from being transmitted over the internet.
PortableOne specializes in customizing name brand laptops, netbooks and tablet PCs - all built from
the brands customers know and trust. They have been leading the industry since 1996 and specialize
in customizing laptops on-line according to their client’s needs. Their clients can browse their
extensive selection, customize a laptop online and save while getting the laptop they want. They
focus on mid-sized and Fortune 1000 companies that gain competitive advantages through
continuous mobile computing.
For more information, please visit: http://www.portableone.com/