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Comment: Re:Unless it has support for Bitcoin... (Score 2) 153

by Spillman (#48603457) Attached to: Small Bank In Kansas Creates the Bank Account of the Future
I don't work on ACH systems, but as I understand. the bank uses an ACH gateway to the Federal Reserve. they would just have to pay the gateway. If they are sending transactions over the EFT network they will have to pay interchange and gateway fees.

Bank 1 Core -> Bank 1 gateway -> EFT network interchange -> EFT network interchange ->bank 2 gateway -> Bank 2 Core

The number of EFT interchanges depends on the routing of the transaction's account number (the first six of the card number). So the routing may be more or less networks depending. It is similar to how traffic is routed between Autonomous Systems on the Internet. the thing is, everytime the transactions hits one of those interchange switches, the bank gets charged a fee, which is usually a percentage of the transaction. Very small, but it adds up.

This is how the credit card companies make money even if you pay your bill on time, it's also why many merchants don't take American Express, they have really high interchange fees.

Comment: Re:Unless it has support for Bitcoin... (Score 3, Interesting) 153

by Spillman (#48601431) Attached to: Small Bank In Kansas Creates the Bank Account of the Future
I work on EFT processor software. This is not even news, nearly all the major national and regional networks have support for A2A (account to account) transfers, the thing is most of the small banks don't support it because it is cheaper to send transfers through ACH. Besides, most banks still use batch processing in their core, so even if a real-time transfer comes in it will only memo until it is hard posted later. Im guessing this bank wanted to make news so they are trying something new. The banking industry is super competitive.

Comment: Re:Cheap architecture + short cuts = DOOM (Score 2, Informative) 250

by Spillman (#45945137) Attached to: Target Confirms Point-of-Sale Malware Was Used In Attack
the card number couldnt be hashed because the merchant's EFt processor routes the transaction to the cardholder's bank by using the BIN number which is the first 6 (usually) digits of the card nymber. the rest of the track 2 data could not be hashed either since it is used to calculate your pin by your bank.

You might be interested in reading:

ISO 8583

and also, How pin checking generally works
The Internet

Internet Commenting Growing Away From Anonymity 384

Posted by Soulskill
from the playing-nice-with-others dept.
An article from the Associated Press makes the case that internet commenting is slowly but surely transitioning away from widespread anonymity. More and more sites are finding that the prevalence of vitriolic comments is driving away new readers, not to mention other, more reasonable commenters. Sites like YouTube and the Huffington Post are leading the charge, requiring users to log in via Google+ and Facebook respectively in order to establish a real-world identity. The Post's managing editor, Jimmy Soni, said, 'We are reaching a place where the Internet is growing up. These changes represent a maturing (online) environment.' "Nearly three-quarters of teens and young adults think people are more likely to use discriminatory language online or in text messages than in face to face conversations, according to a recent poll ... Newspapers are also turning toward regulated comments. Of the largest 137 U.S. newspapers — those with daily circulation above 50,000 — nearly 49 percent ban anonymous commenting, according to Arthur Santana, assistant communications professor at the University of Houston. Nearly 42 percent allow anonymity, while 9 percent do not have comments at all.

Comment: Re:Why can't we make it here? (Score 1) 1160

Even if it were made here, the next argument that will surface will be revealing the identity of the physicians who administer the drugs. Since these are controlled substances, a physician has to prescribe them. I SHIT YOU NOT! So the Missouri Department of Corrections has to pay doctors to be present at executions to load the drugs and push the buttons. As you can imagine, they keep the identities a secret.

There was a shortage o doctors for a while who wanted to do this and the state had to reach out and find some that would. At that time, the defendant was arguing that it was cruel and unusal to have a non-physician administer the drugs.

IANAL but my father is

Comment: A better explanation of problems (Score 2) 211

by Spillman (#43876601) Attached to: New York City Wants To Revive Old Voting Machines
This article explains the problems better.

In still others, workers seemed flummoxed by procedures that accompanied the new equipment, especially for accepting ballots when the scanners did not function. At times the frustration boiled over, and there were shouting matches between voters and poll workers.

At least some of the problems are caused by incompetent election officials. Perhaps that could work on reading comprehension?

Comment: And once you get there... (Score 3, Informative) 283

by Spillman (#43864949) Attached to: Mars Explorers Face Huge Radiation Problem
... it's not going to be much better. Mars does not have a spinning core so no radiation belts to deflect evil radiation on the surface either. Surface exposure would have to be limited.

http://mars-one.com/en/faq-en/19-faq-health/185-will-the-astronauts-suffer-from-radiation

However, I would still go. I mean, if we can actually get people to Mars, we shoudl have no problem getting around the radiation problem.

Comment: SLightly confusing summary (Score 2) 260

by Spillman (#43251465) Attached to: MasterCard Forcing PayPal To Pay Higher Fees
So, this article is basically saying that if you receive credit card payments from PayPal and you aren't registered then you have to pay more? well, paypal has to pay more, but the savings will be passed on to you. Is there any source of what transactional data is shared? As someone who works with electornic funds transfer software, I only ever see non-personablly identifiable info in transactions. I can't say I blame Mastercard either, fraud is a major problem in this world. so until I see some real evidence, I will just assume that the author here is some tin-foil hat wearing privacy nut. but I will hapiily change my opinion if there are new facts....

Comment: Really? (Score 2) 482

by Spillman (#43239615) Attached to: Do Nations Have the Right To Kill Enemy Hackers?
I never even considered this possibility until right now. I mean killing someone for hacking? I would generally say no, but what if its an infrastructure sort of thing. Like they hacked into a hospital and fiddles with patient records and people died, or they hacked into ATC and caused plane crashes? Should they be tried for murder? If we are at war with that country should they just be attacked by drones and killed off like an enemy combatant? I don't really like where this train of thought is heading, it's like the futuristic dystopia is almost here!

Comment: Re:Connectivity (Score 2) 199

by Spillman (#38221764) Attached to: Inside the World's Largest LAN Party
When I was in high school and did the LAN party scene we never connected our LANs to the internet. Usually the upper-middle class kids hosted, and they had the expensive "high-speed" internet. Which at that time (2000-2002) was ~2Mbps on cable. Most of the attendees still had dial-up. So connecting the network to the internet was a bad idea, since people quickly forgot the point of a LAN party...

Comment: Re:This reminds me of the good 90s (Score 1) 142

by Spillman (#37865104) Attached to: Avira Anti-Virus Detects Itself
So, I don't really use, or frequently recommend Norton or other assorted Symantec products. (except for Ghost).

However, Norton consumer products have greatly improved in the last few years. The interfaces have been improved and simplified, and the code has been cleaned up and more streamlined.

Problems still happen, but I recommend people use the basic version of the software, since it lacks the firewall. The firewall driver is almost always the cause of problems with security software causing computer problems. At least for what I see of it, which is a lot.

If you hate Norton and vow to never use their products again, I would suggest taking a look at the Norton Power Eraser.. It's a free on-demand anti-malware scanning and removal tool that's pretty useful.

"There is nothing new under the sun, but there are lots of old things we don't know yet." -Ambrose Bierce

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