3 ms·

I deleted all my Mint stuff years ago just because of the security concerns. If you mention the security concerns on Hackernews, a Mint employee typically repli

I deleted all my Mint stuff years ago just because of the security concerns. If you mention the security concerns on Hackernews, a Mint employee typically replies with a link to the wikipedia page on their patented security model. Still, I'd rather not type all my bank passwords into an Intuit website. I like your concept of the multiple credit/card style budgeting. That makes a lot of sense. There are even some of those multicards out there with an e-ink display to select different cards. A bank could just issue one of those for a fee where you can select the account (and have a way to transfer money/items around if you select the wrong budget option). Discover card has a section in your UI that tries to automatically break down your spending by store type (grocery, gas, etc.) but it does require you make all purchases with your Discover card, which a lot of people simply don't take.

minthelper 9y ago
Hi djsumdog, We understand you have concerns about security. Here at Mint, we use a very strong proprietary cryptographic security model which guarantees the safety of your personal information. We'd love to discuss this more with you so if you reach out to us at https://help.mint.com/ https://help.mint.com/ we would love to make sure you're happy with our services. /KEB
- xxpor 9y ago
  This has to be satire, right?
  - andrepd 9y ago
    Green username. Freshly created account.
    - BallinBige 9y ago
      #deletemint
- sjm-lbm 9y ago
  Honestly, this is so tone deaf as to be a little amusing. (though I'll admit the sibling's comment about satire is probably right)
  - giancarlostoro 9y ago
    The account was made today and has -4 karma from likely it's only ever post.
- kevindqc 9y ago
  You forgot the wikipedia link!
Bye_Felicia 9y ago
There won't be any reward for you, or opportunity to say I told you so, after Mint reveals the shocking news they were hacked X number of years from now. So, I'm giving it to you now. This is just smart and logical. You do not need technical proficiency to reason out the risks, or the daily "12yo exploits MOST-SECURIST-EVER IOT device in 20 minutes" articles. With that said, without public support, and government laws, this is a losing battle. Equifax had no authorization from you to collect and distribute your financial data, but they did it anyway, and your financial services sent them the information. And of course, not surprised, their criminal negligence, revealed EVERY SINGLE ACCOUNT to hackers. Let's be real, when the news for stupids spins the story in this manner: Equifax data breach: The number of victims may be impossible to know https://www.usatoday.com/story/money/2017/09/17/equifax-data-breach-number-victims-may-never-known/670618001/ https://www.usatoday.com/story/money/2017/09/17/equifax-data... It means that the number was so great as to be unspinnable, so they went with another narrative, "Nobody knows" like dark matter, it's impossible, our scientists are trying but it's impossible....lol
- bitexploder 9y ago
  > Equifax data breach: The number of victims may be impossible to know Just assume all of them. Every last customer. Probably closest to the truth.
  - lsiebert 9y ago
    Not customers. You don't have to have done anything with the company, they collect data on anyone who has any credit history.
henrikschroder 9y ago
> Discover card has a section in your UI that tries to automatically break down your spending by store type All merchants that accept credit cards are placed in a category by the card companies, and every credit or debit card purchase therefore gets this category attached to it. Some places surfaces this information to you, in various ways. I have Chase, and they have a pretty shitty UI for this, but there's something there at least. So it's not unique to Discover, and it's not them "guessing" or trying, it's based on fixed merchant categories.
- r00fus 9y ago
  It's even codified and part of ISO standards [1]. It's not a conspiracy, it's simply Discovercard putting a UI around data that's already being collected. [1] https://en.wikipedia.org/wiki/Merchant_category_code https://en.wikipedia.org/wiki/Merchant_category_code
- fleminra 9y ago
  > Some places surfaces this information to you, in various ways. Citibank includes this code in the "SID" element in OFX generated by their "OFX Direct" service (i.e. https://www.accountonline.com/cards/svc/CitiOfxManager.do https://www.accountonline.com/cards/svc/CitiOfxManager.do). I haven't seen it in the OFX from any other financial institution though. The codes are cataloged here: https://github.com/greggles/mcc-codes https://github.com/greggles/mcc-codes

minthelper 9y ago

Hi djsumdog, We understand you have concerns about security. Here at Mint, we use a very strong proprietary cryptographic security model which guarantees the safety of your personal information. We'd love to discuss this more with you so if you reach out to us at https://help.mint.com/ https://help.mint.com/ we would love to make sure you're happy with our services. /KEB

xxpor 9y ago
This has to be satire, right?
- andrepd 9y ago
  Green username. Freshly created account.
  - BallinBige 9y ago
    #deletemint
sjm-lbm 9y ago
Honestly, this is so tone deaf as to be a little amusing. (though I'll admit the sibling's comment about satire is probably right)
- giancarlostoro 9y ago
  The account was made today and has -4 karma from likely it's only ever post.
kevindqc 9y ago
You forgot the wikipedia link!

Bye_Felicia 9y ago

There won't be any reward for you, or opportunity to say I told you so, after Mint reveals the shocking news they were hacked X number of years from now. So, I'm giving it to you now. This is just smart and logical. You do not need technical proficiency to reason out the risks, or the daily "12yo exploits MOST-SECURIST-EVER IOT device in 20 minutes" articles. With that said, without public support, and government laws, this is a losing battle. Equifax had no authorization from you to collect and distribute your financial data, but they did it anyway, and your financial services sent them the information. And of course, not surprised, their criminal negligence, revealed EVERY SINGLE ACCOUNT to hackers. Let's be real, when the news for stupids spins the story in this manner: Equifax data breach: The number of victims may be impossible to know https://www.usatoday.com/story/money/2017/09/17/equifax-data-breach-number-victims-may-never-known/670618001/ https://www.usatoday.com/story/money/2017/09/17/equifax-data... It means that the number was so great as to be unspinnable, so they went with another narrative, "Nobody knows" like dark matter, it's impossible, our scientists are trying but it's impossible....lol

bitexploder 9y ago
> Equifax data breach: The number of victims may be impossible to know Just assume all of them. Every last customer. Probably closest to the truth.
- lsiebert 9y ago
  Not customers. You don't have to have done anything with the company, they collect data on anyone who has any credit history.

henrikschroder 9y ago

> Discover card has a section in your UI that tries to automatically break down your spending by store type All merchants that accept credit cards are placed in a category by the card companies, and every credit or debit card purchase therefore gets this category attached to it. Some places surfaces this information to you, in various ways. I have Chase, and they have a pretty shitty UI for this, but there's something there at least. So it's not unique to Discover, and it's not them "guessing" or trying, it's based on fixed merchant categories.

r00fus 9y ago
It's even codified and part of ISO standards [1]. It's not a conspiracy, it's simply Discovercard putting a UI around data that's already being collected. [1] https://en.wikipedia.org/wiki/Merchant_category_code https://en.wikipedia.org/wiki/Merchant_category_code
fleminra 9y ago
> Some places surfaces this information to you, in various ways. Citibank includes this code in the "SID" element in OFX generated by their "OFX Direct" service (i.e. https://www.accountonline.com/cards/svc/CitiOfxManager.do https://www.accountonline.com/cards/svc/CitiOfxManager.do). I haven't seen it in the OFX from any other financial institution though. The codes are cataloged here: https://github.com/greggles/mcc-codes https://github.com/greggles/mcc-codes