rswail

42 ms·

721.
by rswail 4y ago
There's basically no difference in the "security" of using the card physical contacts to power/communicate with the on-card chip vs using NFC for the same thing. What is secure is not about the communications, it'
722.
by rswail 4y ago
Chip + PIN is basically the EMV standard for cards with chips on them (and the small set of connectors for when the card is inserted in a reader). There is very little difference in the process when using NFC, except that the power to the c
723.
by rswail 4y ago
I use the term USian as a part joke but to explicitly talk about the US, as opposed to other "american" nations like CA or MX. Here we're talking about the difference between the card networks and merchant acquiring in the US
724.
by rswail 4y ago
That has nothing to do with Apple Pay and everything to do with the merchant's reader, their transaction acquirer, and their merchant bank. As far as the reader is concerned, for contactless, there is no , as in none as in nada di
725.
by rswail 4y ago
The difference is that when you tap your card, it uses your CPAN directly. Plus you have to carry around your cards. When I'm not travelling for work, I only have my phone. No need for wallet, has drivers license, Medicare (AU), and my
726.
by rswail 4y ago
Rest-of-the-world had Visa/MC forcing merchants to upgrade on a faster schedule than the US, because the US card environment has many more middle-man processors in the mix that would lose their slice of the transactions. Also large ret
727.
by rswail 4y ago
Chip + Signature is a dumb USian thing because merchants didn't want to change their readers to have a secure PIN pad. Contactless has different floor limits than Contact (chip). For example, in AU, the limit for contactless without PI
728.
by rswail 4y ago
Yup, sorry, my mistake, it's a bit like "Apple TV" the device, "Apple TV" the app, and "Apple TV+" the streaming service. Apple Card was/is Apple's way to promote contactless EMV in the US, which
729.
by rswail 4y ago
The point is that as far as the merchant's reader is concerned, there's no difference. It uses NFC to read a card. If it's required to get a PIN because of floor limits etc, it will still ask for a PIN. Chip+PIN is the basi
730.
by rswail 4y ago
Microsoft Authenticator has had backup for ages. Uses iCloud on iOS and pre-encrypts the info.
731.
by rswail 4y ago
It's hilarious (in a way) seeing USians comment on this post. The rest of the world has had contactless payment for at least a decade. As an explanation, there are two different things called "Apple Pay" in the US. One is the
732.
by rswail 4y ago
If it works like here in Australia, the merchant pays a very high fee, but in return, there are no chargebacks and the BNPL financer pays straight away. So in return for a high rate (merchant fee for AfterPay here in Australia is 4+%) the m
733.
by rswail 4y ago
That sounds more like there's a listening "uncanny valley" that the new AI is resolving for images that needs to be solved for audio.
734.
by rswail 4y ago
Being old and grumpy, there were very few "mouse cursors" in the 70s. The first ones in general use were in the early 80s.
735.
by rswail 4y ago
Banks do differentiate. If you have an account that is <$250K, you're covered by the FDIC, which essentially makes it zero risk, irrespective of the account's associated interest payments.
736.
by rswail 4y ago
Isn't a term deposit exactly what you are looking for? Lock in for 3/6/12 months or more and get a higher rate. Aussie banks offer it.
737.
by rswail 4y ago
Australia has the equivalent of FDIC insurance (called FCS) that covers up to AUD250K per account holder at all ADIs. The 4 "major" banks in Australia (Commonwealth, Westpac, NAB, ANZ) all maintain ratios above the minimum require
738.
by rswail 4y ago
Aussie banks have both fixed and variable rate mortgages. Most mortgages are either: * Fixed: 1-5 year terms with exit fees if changed earlier * Variable: 25 year terms, with variable rates, "offset accounts" (an associated accoun
739.
by rswail 4y ago
Australia doesn't have many people that are "unbanked". AUSTRAC already requires notification of any transfer over AUD10K. India has managed to get a large proportion of their population into the "banked" column by
740.
by rswail 4y ago
When the Fed finally gets FedNow fully up (July this year), basic transactional banking with rails will be a utility. The equivalent of Mark Cuban is doing about basic pharmaceuticals in California will be able to be done for banking serv
741.
by rswail 4y ago
> At least the balances I have do not exceed the FDIC insurance limit per bank. That's is both the cure and the problem. All of your money is protected by the FDIC. So it's not "At least". Your deposits are protected.
742.
by rswail 4y ago
This was not the month to start watching "Mr Robot" for the first time.
743.
by rswail 4y ago
So we need a generic artifact repository (containers are just one type) that also maintains an SBOM (with a machine readable format, eg SPDX) for the artifact content. Is anyone going to fund that? We have a way to do that with git (and sig
744.
by rswail 4y ago
Some of the comments here are very insensitive. Here's some advice: * Cut yourself some slack. You are in the early days of a shock and you have to allow yourself the time to grieve and process your loss. You sister, mother, and gr
745.
by rswail 4y ago
"A builder's house is never finished"
746.
by rswail 4y ago
RPC in general failed for two reasons: 1. Synchronous in an async environment 2. Brittle client/server coupling of RPC definitions HTTP is a remote procedure call, it's request/response. Each request/response pair is i
747.
by rswail 4y ago
CDK-tf fixes that. CDK is basically a make for makefiles using imperative code. So you can just as easily target terraform with it.
748.
by rswail 4y ago
They have, it's called Macports. It started as a port to Darwin of the existing *BSD ports and (I believe) is subsidized by Apple. It installs itself in /opt/local, it respects the Apple SIP. Homebrew basically sucks, because
749.
by rswail 4y ago
If the app isn't signed (that's the so-called "developer tax", because it costs you USD100/year), then its: 1. Drag into Applications, try to open it, get warning. 2. Open System Preferences > Security & Priv
750.
by rswail 4y ago
Exactly the problem that Android has compared to iOS. There isn't a "wide range of iOS-based systems" that are different enough that you invent your own way of doing things. Allows for greater control over your own expression

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