Comments on: More manifestation of my idiocy. Or is it? http://www.kalunite.net/life/more-manifestation-of-my-idiocy-or-is-it Diary of a Pathetic Excuse for a Software Engineer Tue, 06 Jan 2009 04:14:45 +0000 http://wordpress.org/?v=2.7 hourly 1 By: Spiro http://www.kalunite.net/life/more-manifestation-of-my-idiocy-or-is-it/comment-page-1#comment-1537 Spiro Mon, 03 Sep 2007 02:03:29 +0000 http://www.kalunite.net/life/more-manifestation-of-my-idiocy-or-is-it/#comment-1537 Well, it's mostly for legacy reasons. While there are banks in the world that do most of their business online, some don't even have client cards! The plus system took lots of effort to get everybody to agree on a standard and use it. Now, if we are to change things, we'd have to start that from scratch. It's not a technology problem, it's another one of these "people problems". Also, the security context in the day wasn't quite what we have today. The pin doesn't have to be 100% secure, since the possession of the card is also part of the authentication. Obviously, today's realities have changed, people are actually cloning these cards, and if the system was to be redesigned today, I am pretty sure many things would have been done differently. Well, it’s mostly for legacy reasons. While there are banks in the world that do most of their business online, some don’t even have client cards! The plus system took lots of effort to get everybody to agree on a standard and use it. Now, if we are to change things, we’d have to start that from scratch. It’s not a technology problem, it’s another one of these “people problems”.

Also, the security context in the day wasn’t quite what we have today. The pin doesn’t have to be 100% secure, since the possession of the card is also part of the authentication. Obviously, today’s realities have changed, people are actually cloning these cards, and if the system was to be redesigned today, I am pretty sure many things would have been done differently.

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