Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-04-18 Thread Carl William Spitzer IV
On Sun, 2007-03-25 at 16:52 +0200, Carlos E. R. wrote:

> By the way... I know of at least one e-commerce institution that does not 
> accept credit card payment from Internet. It has to be bank transfer, or 
> postal payment on arrival (which is more expensive). I wonder why.

Either better laws protecting their interest of the cards vig is too
much.  Local donut shops charge extra fees to use ATM and try with the
credit cards, though the latter is illegal.  


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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-27 Thread Carlos E. R.
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The Monday 2007-03-26 at 23:42 -0400, Mike McMullin wrote:

> > Well, this gang manufactured so good devices that they did an extra 
> > business out of selling the devices... This is not SciFi, it is happening. 
> > My father was stolen 1200 eur this way. And it is a sophisticated method.
> 
>   As seen on CSI.

I suffered it first hand before seeing it on CSI - which in fact, I 
haven't.

- -- 
Cheers,
   Carlos E. R.
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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-26 Thread Carlos E. R.
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The Monday 2007-03-26 at 19:09 +0100, G.T.Smith wrote:

> > No, not that. The accept credit card for business accounts they know
> > previously, but never from private people.
> As credit card transactions usually incur a charge (either directly or
> indirectly) for the recipient, which is why in the UK some smaller shops
> shops and businesses set a minimum transaction limit, below which they
> either decline the transaction, or apply a processing charge. Suspect
> the same applies elsewhere...

No, that would be directly illegal in Spain. They can't apply extra 
charges nor different prices, nor reject the transaction once the have the 
sign "credit cards accepted" on the door.

And if that were the reason, they would accept cards for larger 
purchases.

My guess is that they have been bitten and don't trust the system.

- -- 
Cheers,
   Carlos E. R.

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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-26 Thread G.T.Smith
Carlos E. R. wrote:
>
> The Monday 2007-03-26 at 08:59 +0100, G.T.Smith wrote:
>
> >> By the way... I know of at least one e-commerce institution that
> does not
> >> accept credit card payment from Internet. It has to be bank
> transfer, or
> >> postal payment on arrival (which is more expensive). I wonder why.
> >>
> > Probably means that they do not have, or unable to get a credit card
> > trader account, which apparently can be expensive to set up and
> maintain.
>
> No, not that. The accept credit card for business accounts they know
> previously, but never from private people.
As credit card transactions usually incur a charge (either directly or
indirectly) for the recipient, which is why in the UK some smaller shops
shops and businesses set a minimum transaction limit, below which they
either decline the transaction, or apply a processing charge. Suspect
the same applies elsewhere...

It makes sense for a business to keep the regular customers happy.
>
> Ie, they do it on purpose.
>

begin:vcard
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n:Smith;Graham T.
adr:Barton upon Humber;;90 Bowmandale;;North Lincs.;DN18 5EA;UK
email;internet:[EMAIL PROTECTED]
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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-26 Thread G.T.Smith
[EMAIL PROTECTED] wrote:
> On Mon 26 Mar 2007 07:59, G.T.Smith wrote:
>   
>> Probably means that they do not have, or unable to get a credit card
>> trader account, which apparently can be expensive to set up and
>> maintain.
>> 
>
>
>  - I do not understand the trader account machinery . . . maybe using 
> PayPal can work good?
>
>
>   
To clarify, a credit card trader account is a credit  account which 
allows you to accept payments from other credit cards or in some cases
debit bank accounts (you need to hire or purchase equipment to process
transactions). As banking practices and regulations differ in different
parts of the world, exactly what you get and what it is called will
vary. Then there are third parties that will process such transactions
and transfer any proceeds to a bank account of your choice. These are
different to a credit card trader accounts. Both effectively take a
slice of the transaction, and may involve a standing charge.

While paypal does perform the latter to some extent; it is limited, a
bit dodgy on security, and personally negative thoughts involving
'touching with long barge poles' come to mind.

> ..
>
> friendly greetings
>   

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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-26 Thread riccardo35
On Mon 26 Mar 2007 07:59, G.T.Smith wrote:
> Probably means that they do not have, or unable to get a credit card
> trader account, which apparently can be expensive to set up and
> maintain.


 - I do not understand the trader account machinery . . . maybe using 
PayPal can work good?


..

friendly greetings
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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-26 Thread Carlos E. R.
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The Monday 2007-03-26 at 08:59 +0100, G.T.Smith wrote:

> > By the way... I know of at least one e-commerce institution that does not
> > accept credit card payment from Internet. It has to be bank transfer, or
> > postal payment on arrival (which is more expensive). I wonder why.
> >
> Probably means that they do not have, or unable to get a credit card
> trader account, which apparently can be expensive to set up and maintain.

No, not that. The accept credit card for business accounts they know 
previously, but never from private people.

Ie, they do it on purpose.

- -- 
Cheers,
   Carlos E. R.

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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-25 Thread G.T.Smith
Carlos E. R. wrote:
>
> The Sunday 2007-03-25 at 13:19 +0100, Anders Johansson wrote:
>
> >> No, you throw them away when you see a hold up comming, so that
> they can't
> >> force you to give up the pin. For instance :-)
> > The problem with that is that many times, all you need to buy with a
> credit
> > card is the number, name of the holder, and expiration date, and all
> those
> > can be found on the card
>
> > Insane, I know
>
> Yep.
>
> Unless the owner has time the same day to denounce the card loss to the
> company.
>
> By the way... I know of at least one e-commerce institution that does not
> accept credit card payment from Internet. It has to be bank transfer, or
> postal payment on arrival (which is more expensive). I wonder why.
>
>
Probably means that they do not have, or unable to get a credit card
trader account, which apparently can be expensive to set up and maintain.
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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-25 Thread Carlos E. R.
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The Sunday 2007-03-25 at 13:19 +0100, Anders Johansson wrote:

> > No, you throw them away when you see a hold up comming, so that they can't
> > force you to give up the pin. For instance :-)
> 
> The problem with that is that many times, all you need to buy with a credit 
> card is the number, name of the holder, and expiration date, and all those 
> can be found on the card
> 
> Insane, I know

Yep.

Unless the owner has time the same day to denounce the card loss to the 
company.

By the way... I know of at least one e-commerce institution that does not 
accept credit card payment from Internet. It has to be bank transfer, or 
postal payment on arrival (which is more expensive). I wonder why.


- -- 
Cheers,
   Carlos E. R.

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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-24 Thread John Andersen
On Saturday 24 March 2007, Carlos E. R. wrote:
> I have stopped using credit cards.
>
> Some one duplicated my late father credit card and stole us 1200 Eur in
> two days, the maximum for the card. The bank refused to return the money
> back and we had to fight for it for months, and we only got about 60% back
> (we did not want to go to court).

Well we had a similar incident this very week.  But to show you the
difference between banks and card companies, the first person
to spot fraudulent use of our card was the credit card company.

They called us, can informed us the card number was used fraudulently
in different places, and they had canceled the card and we would have
a new one by express delivery the next day.  We were stuck with
no charges at all.

Their computers detected unusual buying practices, and kicked
it out for review by humans.  Scarry to some I suppose.

The particular Fraudster scam that was done goes something
like this...
  Somehow get the card number and name/address and three digit
  code, probably by breaking into some on-line web site where a
  legitimate purchase was made...
 
  Visit a Best-Buy web site, and order a bunch of stuff, then
  check the box saying you will pick it up at so-and-such branch.
  
  So-and-such branch do not check that carefully, and deliver the
  goods to anyone having the  print out of the on-line receipt that
  matches their computerized order.
  
Best Buy is being heavily leaned on to dis-continue this practice
but so far they think its worth it to them to eat the fraud loss.



-- 
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John Andersen


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Re: [opensuse] Adding biometric security to a computer [getting OT]

2007-03-24 Thread Carlos E. R.
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The Saturday 2007-03-24 at 08:54 -0700, Randall R Schulz wrote:

> Over here Visa is running TV advertisements about how joyous and 
> wonderful your life will be if when you use their fingerprint readers 
> to confirm your Visa card purchases. It's also brings the joyful 
> spending of money by everyone around you to a screeching, grinding halt 
> if you pay with cash.

I have stopped using credit cards. 

Some one duplicated my late father credit card and stole us 1200 Eur in 
two days, the maximum for the card. The bank refused to return the money 
back and we had to fight for it for months, and we only got about 60% back 
(we did not want to go to court).

They used some kind of reader piggybacked on the bank hole on the wall.


Agreed, biometric data would stop that kind of theft, probably (so would a 
smart chip, instead of a magnetic strip; but as they are more expensive 
banks don't use them). But I don't trust it. I trust the bad guys less, 
they will invent something else to part us from our money.

- -- 
Cheers,
   Carlos E. R.
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