Igor Delovski Board

[XNote]

Should you sign the back of your credit cards?

Here's our official advice on signing the strip on the back: Don't sign it.
It's useless as a deterrent, as anyone who takes your card then has a
sample of your signature which they can not only use on any charge slip,
but on your checks as well. However, do not leave the white strip blank.
In that space, write: "Ask For Picture ID,"

[XNote]

Prank - Credit card signatures are a useless mechanism

"Finally, I know of no law that says your signature has to be in your
own alphabet. So I found a website which converted my name to Egyptian
hieroglyphics. Although "John Hargrave" was too long to remember,
"John" was just snake, bird, caterpillar."

New link: http://www.scribd.com/doc/101442/Credit-Card-Signature

[Ike]

Reddit: Twenty-Somethings Drowning In A Sea Of Debt

"I live in a college town. I can see how most of the college students live. I
can see where once three students in a dorm room, 60 people sharing a
bathroom was the norm and now 1, 2, or 3 people in a luxury apartment (a
bedroom each of course) is. I can see that our car is older than most of the
ones in the student lots (overflowing despite a fabulous free bus system)."

[delovski]

Placanje na netu sa debitnom karticom

"Cuo sam da se odnedavno u nekoj banci u HR moze dobiti debitna kartica koja
se prihvaca na netu i da se s njom moze placati po web siteovima. U kojoj
banci je to moguce dobiti? "

[delovski]

Forum.hr - PayPal konac<caron>no u Hrvatskoj! (CRO)

"koliko ja vidim mi smo u zadnjoj grupi i moz<caron>emo SAMO poslati novac
nekome na paypal. Nitko ne moz<caron>e nama uplatiti. Nismo u grupi "Send.
Receive. Withdraw.""

[XNote]

consumerist.com: American Express: What's An Apartment Number?

"Ted never received a statement. Ted never received a late-notice. Ted
never got a call from Amex. So why was a collections agency on the phone?"

[Ike]

JoS: Paypal as only payment option

"99% of my customers choose Esellerate over Paypal. But my product
costs USD $99 - USD $1200 and most of my customers are businesses."

[delovski]

msn money: When banks turn evil

"Let's say you have $500 in your account, and you write checks for $10,
$55 and $450. If the bank processed from smallest to largest, only one
overdraft fee would be generated. By processing them from largest to
smallest, two bounce fees can be collected."

[delovski]

reddit - Maxed Out Full Documentary

"A MUST SEE Documentary About How Credit Card Industry Became A Modern
Day Slavery Institution For The Poor And The Middle Class"

[Ike]

Slashdot: Credit Card Security Standard Issued

"The Payment Card Industry Security Standards Council, the organization
that sets technical requirements for processing credit- and debit-cards,
Wednesday issued revised security rules, while also indicating next year it
will focus on new guidelines for end-to-end encryption, payment machines
and virtualization. PCI adherence has been pushed big time in the industry
to help avoid more big breaches such as the one involving TJX.

Those familiar with the standard say it could be expensive to implement and
that there are some things those using wireless LANs will need to pay especi-
ally close attention to."

[Ike]

Why Do So Many Credit Card Companies Have a Wilmington, Delaware Address?

"Led primarily by the Governor Pierre DuPont, in the early 1980s, Delaware
attempted to lure large banks away from New York and other large financial
companies by dramatically redrafting tax laws for banking industries. Laws
also changed to allow banks to charge any interest they wished on credit cards."

[delovski]

Slashdot - 2010 Bug Plagues Germany

"According the Guardian, some 30 million chip and pin cards in Germany
have been affected by a programming failure, which saw the microchips in
cards unable to recognize the year change. The bug has left millions of cre-
dit and debit card users unable to withdraw money or make purchases, and
has stranded many on holiday. French card manufacturer Gemalto accepted
responsibility for the fault, 'which it is estimated will cost €300m (£270m)
to rectify.' They claim cards in other countries made by Gemalto are unaf-
fected."

[delovski]

gizmodo.com - Watch the iPhone Swipe a Credit Card

"Square, one of a few iPhone peripherals hoping to turn the iPhone into a
credit card swiper, sounds promising. But how does it work? YouTube sh-
ows us!"

[delovski]

mastercard.com - MasterCard to Unleash Payment Innovation by
Launching New Open API Developer Portal

"The new Open API program is the first initiative from the newly created
MasterCard Labs. A new developer portal will also be launched to enable
developers to easily sign up for access to all of the Open APIs that Master-
Card makes available will also be launched.

Through the portal, MasterCard will provide developers with technical
documentation, software development kits (SDKs), sample source code,
reference guides, and “virtual sandboxes” for testing new and innovative
applications. A developer forum designed to spur collaboration between
MasterCard engineers and developers will also be an integral component
of the new portal."

[Ike]

http://www.jutarnji.hr/life/zivotne-price/nevjerojatan-put-od-zagreba-preko-londona-preko-londona-do-silicijske-doline-kucao-sam-na-tocno-257-vrata-i-na-kraju-stvorio-bogatsvo/5432131/

[delovski]

r - I ran a self-experiment where I went from using only cash to only credit.

"While I am well aware that my self-experiment is not at all scientific (there
could be other reasons why I spent more on credit), I am surprised at the
result because I've been budgeting and using credit cards for years. I have
consistently had $150 budgeted every month for restaurants for example,
and while with credit cards I would think, "I still have $X left to spend," with
cash I just didn't want to."

[Ike]

tc - MasterCard has filed a patent on its own blockchain-based money transfer solution

"MasterCard, for example, has just filed a patent for a 'Method and System For
Instantaneous Payment Using Recorded Guarantees.' This is, in short, a patent
for a blockchain-like system that offers instant payment. It is not a clone, per
se, but a patent that assumes that a blockchain-like ledger will be available to
store and manage international transactions instantly."

[delovski]

r - Amex launches blockchain-based business payments using Ripple

"American Express has introduced instant blockchain-based payments
using Ripple, a fintech start-up, for U.S. corporate customers sending
funds to UK-based businesses that bank with Santander UK, the companies
said on Thursday."

[Ike]

git - php-iban

"php-iban is a library for parsing, validating and generating IBAN (and IIBAN)
bank account information in PHP."

readefries/IBAN-Helper

"A Swift helper class to validate IBAN accounts. Feel happy to contribute!"

[Ike]

macrumors - Apple Card Now Supports Exporting Transactions in OFX File Format

"Apple Card users are now able to export their transaction data in an OFX file
format for use with third-party financial apps such as Quicken and Mint, as
noted by Kyle Seth Gray. The option shows up when a monthly statement is
available.

The exporting feature first rolled out last month, but only with CSV file support."

[Ike]

Y! - The Right's Would-Be Kingmaker

"In 1998, Thiel helped create what would become the digital payments
company PayPal. He became Facebook's first outside investor in 2004 and
established the venture capital firm Founders Fund a year later. Forbes puts
his fortune at $2.6 billion.

Thiel, who called himself a libertarian, wrote that he had come to 'no longer
believe that freedom and democracy are compatible,' arguing that American
politics would always be hostile to free-market ideals, and that politics was
about interfering with other people's lives without their consent. Since then,
he has hosted and attended events with white nationalists and alt-right
figures."

[Ike]

SaltPay - Solutions

"Think next day settlements, third party integrations, high safety standards,
flexible payment options, payment links, instalments, currency conversion
and more."

[Ike]

Monri - Integrations

Webshop plugins, Properitary webshops...