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SpaceGoatFarts posted:I have a feeling this Juicero thing could only ever be invented in the US. I don't think anyone from another country would think people want a 400$ machine and copyrighted pods to make juice. Veotax posted:I still find it insane that America is only now moving to chip and pin. "Why does america do stupid poo poo" "why doesn't america do this stupid poo poo"
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Apr 21, 2017 00:08
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Veotax posted:I still find it insane that America is only now moving to chip and pin. We don't like it either. One of the downsides of not having a national bank (no, the Federal Reserve is not at all a national bank) is that there's no central authority to mandate banking changes.
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Apr 21, 2017 01:11
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SHY NUDIST GRRL posted:The dry humor fox in space goes for doesn't need the star fox part at all. No character in that series has any depth they could just explain anything needed to known from star fox as basis in a second. The    Veotax posted:I still find it insane that America is only now moving to chip and pin. Is it really surprising that a country the size of a continent with fifty different sets of state financial regulations would take slightly longer to upgrade its entire POS checkout and banking systems compared to countries with much smaller and more homogeneous populations.
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Apr 21, 2017 01:13
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Guy Mann posted:The Well, India did it in 2015... quote:Accordingly, banks are advised that with effect from September 1, 2015 all new cards issued - debit and credit, domestic and international - by banks shall be EMV chip and pin based cards," RBI said in a notification. And China started migrating in 2013, it seems. And Canada has a much more spread-out population and an extra 100 000 square kilometers, but we adopted in 2010 with a pretty slow rollout to debit cards. It's almost like the US isn't an exception in every way!  At least Russia is still lagging on chip and pin adoption. But they've got nearly twice the landmass of the US and half of that doesn't have elecricity, so I guess that might make sense.
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Apr 21, 2017 01:41
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I remember like a year or two ago, America tried starting to go towards chips, then went "gently caress that" and started taping over the slots, and only now we're giving the chips another go.
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Apr 21, 2017 01:52
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When you're talking chips, you're talking tap-to-pay like tech yeah? The US doesn't have that yet? 
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Apr 21, 2017 01:59
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Waffleman_ posted:I remember like a year or two ago, America tried starting to go towards chips, then went "gently caress that" and started taping over the slots, and only now we're giving the chips another go. What you're thinking of is that a bunch of stores actually get sold readers that didn't work reliably, lol. Infinitum posted:When you're talking chips, you're talking tap-to-pay like tech yeah? What? No, we introduced that like 6 years ago and then just as quickly stopped using it because it wasn't any faster or easier than magstripe and there were (and still are) security concerns. The readers are all still around but most banks don't bother to issue cards using it anymore.
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Apr 21, 2017 02:00
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I'm waiting for the day that my body emits my CC info and I can go to a gas station and shout "GIMMIE SOME DORITOS" and a guy throws them to me as I walk by.
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Apr 21, 2017 05:14
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i love that yet another thread is going to turn into three pages of arguing about united states credit cards
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Apr 21, 2017 05:17
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fishmech posted:What? No, we introduced that like 6 years ago and then just as quickly stopped using it because it wasn't any faster or easier than magstripe and there were (and still are) security concerns. The readers are all still around but most banks don't bother to issue cards using it anymore.
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Apr 21, 2017 05:23
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CommunistPancake posted:i love that yet another thread is going to turn into three pages of arguing about united states credit cards Lets all just agree that America is a 3rd world country with a 1st world crust, like a pie of poo poo.
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Apr 21, 2017 05:34
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fondue posted:There was tap to pay on cards? I use it on my phone all of the time, never knew you could do it with a card. Yea, it was branded as PayWave if you used a Visa card, something else on others. Most of the phone-based payments actually use the same terminal equipment at the cashier as the cards did. If you really wanted to, you could probably ask your bank for the tap enabled card again, but the phone seems to be working fine for you.
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Apr 21, 2017 05:39
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fishmech posted:
One of the American banks did a study on it and they were losing more money from Americans not being able to figure out the pin part then they would save from fraud prevention.
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Apr 21, 2017 07:26
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There are a lot of reasons it took so long for the US to transition to chip cards. Firstly, fraud rates in the US were lower than in other countries and the US actually has very strong consumer protection laws when it comes to credit card fraud. It was only after other countries transitioned almost entirely to chips that US fraud rates started becoming an issue (since cards stolen internationally would be sold for use in the US). Secondly, there are a mind-boggling number of financial institutions in the US. There are literally thousands of banks and credit unions and other financial that issue credit and debit cards, there are four different credit networks and several payment processors. All of them had to coordinate the roll out of chip cards and the equipment to process them. On top of that there are the 100s of thousands of credit card terminals which needed to be upgraded at the retailer's expense (many of which were tightly integrated with their point-of-sale systems, further increasing the upgrade cost). The companies making the actual credit terminals also put off getting them certified to be used with chip cards until the last minute which is why so many readers with hardware to read chips have tape over the chip slot and signs saying "NO CHIP".Infinitum posted:When you're talking chips, you're talking tap-to-pay like tech yeah? fishmech posted:Yea, it was branded as PayWave if you used a Visa card, something else on others. Most of the phone-based payments actually use the same terminal equipment at the cashier as the cards did. Only a few banks issue tap-capable cards and you usually have to specially request them. This has actually ended up backfiring horribly for the banks since people hate how slow chip transactions are compared to swipe transactions whereas tap transactions take about the same time as swiping. If the banks had chosen to make all chip cards also support tap payment you'd probably see a lot less bitching about chip cards. When they first tried rolling out tap payments about 10 years ago the cards pretty much just transmitted the same data that was on the magstripe which was obviously horribly insecure. Modern tap payments use the same encryption as the EMV chips do so they're far more secure and when you pay with a smartphone it can just generate a new card number for each transaction (on top of requiring your phone to be unlocked). Also, 10 years ago nobody had chip cards so there was no speed advantage for tapping compared to swiping (and swiping worked everywhere whereas tapping only worked in a few places; even now the fact that you can't use tap payments everywhere is a huge barrier to people using mobile phone payments). ianmacdo posted:One of the American banks did a study on it and they were losing more money from Americans not being able to figure out the pin part then they would save from fraud prevention. This is actually a pretty legit reason. Americans who have at least 1 credit card on average have 4 credit cards, and many people have far more. I personally have 7 credit cards (each of which I have for a specific reason) and if I had to remember a PIN for each one I'd probably stop using all but one of them, which is a nightmare scenario for banks which rely on the transaction fees as a large part of the profits from their credit cards. One of my cards does require a PIN and while it was my least-used card before they changed it to chip-and-PIN I don't think I've used it since since I can't be bothered to look up what I set the PIN to in my password manager. Mr.Radar has a new favorite as of 08:07 on Apr 21, 2017 |
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Apr 21, 2017 08:00
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You know you can change the PINs and have them all the same if you wanted. Anyway; because sock suspenders weren't weird enough what about shirt suspenders; https://www.indiegogo.com/projects/nv-s-holder-will-keep-your-shirt-perfectly-tucked#/
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Apr 21, 2017 08:21
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Legit cannot remember the last time I've had to swipe for a transaction here in Aus. Paypass so gooooooood Rapulum_Dei posted:You know you can change the PINs and have them all the same if you wanted. That is definitely something that exists for some reason
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Apr 21, 2017 08:34
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Infinitum posted:Legit cannot remember the last time I've had to swipe for a transaction here in Aus. Wait till you need to buy something that is over the swipe cap and you have to remember your PIN though.
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Apr 21, 2017 08:35
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Same pin I've had for decades. 
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Apr 21, 2017 08:48
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Rapulum_Dei posted:You know you can change the PINs and have them all the same if you wanted. And now if your PIN gets hacked or figured out multiple accounts are compromised!
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Apr 21, 2017 08:49
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And if they steal your eye, ala Demolition Man rules, your biometrics are compromised as well!
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Apr 21, 2017 09:07
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Infinitum posted:Legit cannot remember the last time I've had to swipe for a transaction here in Aus. I worked for years at a grocery store where my shirt had to stay tucked and I'd have to loved to have these instead of having to retuck my shirt every 10 minutes
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Apr 21, 2017 09:16
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Guy Mann posted:Is it really surprising that a country the size of a continent with fifty different sets of state financial regulations would take slightly longer to upgrade its entire POS checkout and banking systems compared to countries with much smaller and more homogeneous populations. every time someone complains about the U.S.A someone from there will always helpfully point out that it is quite large and that all other countries are homogeneous. its like clockwork
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Apr 21, 2017 09:30
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United States? More liek Divided States 
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Apr 21, 2017 09:43
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WampaLord posted:And now if your PIN gets hacked or figured out multiple accounts are compromised! The pin for all my cards is 8787, all my accounts are now 'compromised' - knock yourself out. My card was actually cloned once - in Florida using the magnetic strip I assume since it was a few years ago. But since the transactions were made in Florida when I was making withdrawals elsewhere the bank reversed them and that was the end of it. I can't even remember if they replaced the card, I'm not sure they did. Rapulum_Dei has a new favorite as of 10:09 on Apr 21, 2017 |
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Apr 21, 2017 09:58
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Veotax posted:I still find it insane that America is only now moving to chip and pin. Chip and signature mostly, no?
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Apr 21, 2017 11:31
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Americans still don't have a legit cheap universal way to reliably transfer money to each other that isn't a lovely app iirc.
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Apr 21, 2017 11:47
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unpacked robinhood posted:Americans still don't have a legit cheap universal way to reliably transfer money to each other that isn't a lovely app iirc. That and they still use actual checks in this millennium. I'm 40 and have used exactly one in my entire life.
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Apr 21, 2017 11:55
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gschmidl posted:That and they still use actual checks in this millennium. To be fair French do too
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Apr 21, 2017 12:08
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Rapulum_Dei posted:Anyway; because sock suspenders weren't weird enough what about shirt suspenders; https://www.indiegogo.com/projects/nv-s-holder-will-keep-your-shirt-perfectly-tucked#/ "We have been developing it for more than 6 months" and they plan to charge $40 per pair. Shirt stays have been around since the invention of the dress shirt. You can get them for <$10 on Amazon.
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Apr 21, 2017 12:10
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Snowglobe of Doom posted:Edit: DRM PROTECTED VAGINAS. OH MY GOD I'M THE NEW STEVE JOBS Actually, an IV bag of fruit juice sounds like something Steve Jobs would have liked.
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Apr 21, 2017 12:23
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If only it was an IV bag of something useful
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Apr 21, 2017 12:32
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Infinitum posted:Legit cannot remember the last time I've had to swipe for a transaction here in Aus. Shirt stays are awesome if you have a uniform that requires a crappy untailored shirt, or you can't afford to pay for the tailoring. Gotta maintain that nice tight tuck. 
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Apr 21, 2017 12:43
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all americans love the hamburger, the pizza, the K.F.C, etc. but hate kale, broccoli and other foods friendly towards health. this is the one true objective fact
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Apr 21, 2017 12:43
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Collateral Damage posted:
2024% funded!  Aaah, it's the EXPERIENCE that costs so much http://www.bbc.co.uk/news/business-39664483 Rapulum_Dei has a new favorite as of 18:29 on Apr 21, 2017 |
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Apr 21, 2017 16:56
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Sagacity posted:Remember Plastc, the credit card that would store ALL your credit cards? Gone. Their blog post seems to imply they were almost ready to ship but nobody wanted to invest. Wait so they were funded but didn't have money to make any of the things to give to people?
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Apr 21, 2017 19:16
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lol they don't even mention refunds or anything. They're straight-up just taking off with the money.
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Apr 21, 2017 19:20
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Jerry Seinfeld posted:lol they don't even mention refunds or anything. They're straight-up just taking off with the money. Chapter 7 means there's no money to refund.
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Apr 21, 2017 19:39
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SHY NUDIST GRRL posted:Wait so they were funded but didn't have money to make any of the things to give to people? "R&D means Research & Done right? What else could the D possibly stand for?" said the people who squandered $9 million. On a gaming note, Star Citizen, not satisfied with raising nearly $150 million in crowdfunded cash, is now asking its backers to spam referral codes all over the internet to win a free trip to GamesCom 2017! To earn this free trip, you only need to recruit 2,942 people using your referral code. That many recruits equates to "donating" $132,390 to Star Citizen. Doggles has a new favorite as of 19:59 on Apr 21, 2017 |
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Apr 21, 2017 19:46
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Infinitum posted:If only it was an IV bag of something awful FTFY
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Apr 21, 2017 20:16
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Doggles posted:On a gaming note, Star Citizen, not satisfied with raising nearly $150 million in crowdfunded cash, is now asking its backers to spam referral codes all over the internet to win a free trip to GamesCom 2017! To earn this free trip, you only need to recruit 2,942 people using your referral code. That many recruits equates to "donating" $132,390 to Star Citizen. I can't watch the video at work, but I'm really enjoying the guy in the thumbnail.  It's just such a look of defeat.
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Apr 21, 2017 20:36
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