|
Merchant Customer Exchange (MCX) is a company created by a consortium of U.S. retail companies to develop a merchant-owned mobile payment system, which will be called "CurrentC." The joint venture was announced on August 15, 2012.〔(【引用サイトリンク】url=http://finance.yahoo.com/news/leading-retailers-form-merchant-customer-120000779.html;_ylt=A2KJ3CZYxCtQrgUAa73QtDMD )〕 The company is led by merchants such as 7-Eleven, Alon Brands, Best Buy, CVS Health, Darden Restaurants; HMSHost, Hy-Vee, Lowe's, Michaels, Publix, Sears Holdings, Shell Oil Products US, Sunoco, Target Corporation and Walmart. The initial retailers that are part of the new company account for about $1 trillion in annual sales. ==CurrentC== MCX's flagship product is CurrentC, a mobile payments platform. The system utilizes a smartphone app and digital wallet: to make a purchase, the user scans a QR code shown on the cashier's screen, or has the cashier scan a QR code from the phone's screen. Instead of transmitting financial data over the internet, the transaction uses a token placeholder that is then converted by the financial institution to initiate the Automated Clearing House (ACH), gift card, private label charge card or other type of payment and charge the consumer. The CurrentC app also includes features that will help the user locate a retailer, display coupons, display loyalty program details, and track receipts using data collected from transactions and the user's device.〔 The system is built upon technology developed by Paydiant, a startup based in Boston, now acquired by PayPal.〔(【引用サイトリンク】url=http://bostinno.streetwise.co/2014/10/28/who-is-mcx-can-it-win-like-starbucks-vs-apple-pay/ )〕 The system, intentionally, does not support credit cards, as one of its goals is to prevent merchants from having to pay their interchange fees. CurrentC transactions can directly debit customers' banking accounts via the ACH system. On launch, CurrentC supports the use of QR codes, Bluetooth Low Energy beacons and geolocation, unlike its competitors which mainly use near-field communications. MCX is considering the addition of other technologies for use in the app in the future. CurrentC entered public beta for users in Columbus, Ohio in September 2015, and will be available to the general public in Early 2016. Initial reports suggested a launch in Late 2015 but those plans were pushed back due to delays.〔(Apple Pay Competitor CurrentC May Not Launch Until Next Year )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Merchant Customer Exchange」の詳細全文を読む スポンサード リンク
|