I recently got to know about the features of ICICI add-on credit card that make it more tempting for getting stolen than cash. Now the number of loopholes in its security are endless.
First the bank doesn't require the signature of add-on card holder. Its just mailed to your house. So if I take the mail before it reaches you and use it then no one can even have doubts. The only signature is on the back of the card. Now we all know how intensely a shopkeeper scrutinizes the signature on the back with that on the slip. I know they are supposed to but its a fact that they don't. I have even heard of cases when a photo credit card was misused by someone else without getting any suspicion of the shopkeeper. So the signature on the back is useless. So if your credit card gets stolen then you cant prove to bank that it was misused. Bank have no records of your signature and shopkeeper doesn't check it.
Second what does any transaction on Internet require with a credit card? Your card number, expiry date, name(sometimes) and the number on the back. Now its nowhere written in the instruction letter that its advisable to scratch out the number on the back to prevent misuse. Because misusing it is a child's task. We all give our cards away in any restaurant or any such place. The guy there can easily write down all the information and transfer as much money as he requires to his pay pal account after which you just cant trace him. How will one ever be able to prove this crime? Nor prove it to bank. I asked the ICICI call center people about this and then they said that please scratch out the number on the back for security. Why cant they tell it earlier? Better why cant the just make us have a password for Internet transactions?
Another incident which I personally experienced was Bank of Baroda Internet account. Now it has so many safety precautions that it is the most unsafe account. First both the Login password and Transaction password must be some 8 characters long including a number and a special character. Now its no easy task to remember such passwords nor hack them. But that was the easy part. The next condition was that both the passwords needs to be changed every 3 months and last 5 passwords cannot be used. So how do i generate and remember such complicated passwords is a mystery. Thus they force me to write down the password which I know is foolish but I don't have an option. I have for now given up on my account. Three months have passed have not accessed it so not changes the password. From what I remember I have to go to the branch to re-activate my account. Hell with it.
I thinks lets just stick to debit cards which are safe and secure.
Stumble It!
Wednesday, January 30, 2008
Is Plastic Cash really secure?
Wednesday, January 23, 2008
Why Linux?
Now I am no fan of open source movement and would gladly switch to Windows as soon as possible but circumstances forced me otherwise. In our hostel with approx 350 comps and some IP thieves its difficult to keep static IP. But I need it to run my hub (for all IT'ians Join InfInIty @ 10.9.11.193:4112 !!!!) so I was forced to shift to Linux to keep my IP. Now Linux it seems is the big brother of windows in terms of network cause in any IP conflict with windows Linux emerges as the winner. So I shifted to only because of this reason. But I had to pay heavy price for that. I had to spent an entire days to only get my songs to play; running the hub was much more difficult task. I spent my entire day editing dunno how many files to make Linux connect via a proxy. After that it got little easier as I was able to install mane things via 'yum'. But when i started to install db hub I got nice surprise as many dependency files were missing. This led to re-installation of latest Fedora 8 (it was much easier than installing every dependency). Now after again setting up Linux for proxy (this time it was much easier) I finally installed db hub and changed its setting in its config file (when will GUI of db hub come?). But it took another 2 days to figure out that it pays to switch off firewall when running a hub. In the meantime I also successfully installed 'linuxdcpp'. So after 3 days I was finally able to 'use' Linux. Using means to see the hub running and listening to songs.
Because Linux means no games and games are our lifeline (using wine sucks as it lags a lot). But its a blessing as I am now getting out of my addiction of games (CS only). But its more of a trouble as I was a very up to date windows user and saved every office file in 2007 format which is as yet unsupported by open office. Also the sound quality is not as good and playing video takes lots of processor (these maybe because of improper configuration but I tried my best and in windows such configs were much easier).
Also I still cant understand the advantage of using Linux in personal computers as as my roomie says all the development in linux are only meant to make it more like windows; so why not use windows instead. Am sure no Indian will talk about the price of using windows :).
But anyways am now getting used to the boring GUI of Linux and if anyone wants to get his Linux working can ask me.
Stumble It!
Sunday, January 13, 2008
Right'ing the Wrong
All the countries, religions and traditions have witness many wrongdoing in the past. Indians or more specifically Hindus have been no exception. Hinduism has never been until now been a religion of war. There has been no army that fought for Hinduism. It has always been a very flexible religion; with many gods and no restrictions. It has evolved on faith and not on teachings of some man. Because of no one fighting for Hindus it has not been able to spread itself like other religions. Also because of that and because of division in between people of different regions, India was not able to stand up against any sort of invasion be it of Muslims or of the British. Muslim rulers on the other hand were fighting for their religion and they conquered territories to create more land for Muslims. They forced people to convert or killed them. They looted temples and destroyed all religious places. Akbar and few others were a exception but most employed ruthless means against non Muslims. Therefore much wrong has been done against Hindus in the past.
But the question is can two wrongs make right? Since Independence we have lived in democracy which aims to provide a secular set of laws for peaceful living. It ensure or tries to ensure that no further wrong is done against any community. But there is no law which provides or can provide course of action to heal the wrongs the past without hurting the sentiments of the other community in the present. It was in the past where this cycle was followed: Hindus came and attacked mosques, Muslims came and attacked temples. The latter part was more prominent in India because of their stronger might. But the point is how to end this cycle. Somewhere we have to start living like civilized people forgetting other for their past. This was expected to start from Independence where we supposedly entered an era where laws were written down rationally and to ensure end of such violence. Because if laws don't end such a cycle then we can hope for no peace in long run. The attack on Babri Maszid kept this cycle alive.
Second was the Godhra riots. Its conceded the some elements of Muslim community initiated the act by killing the sadhus travelling in the train. But do you punish the entire community for an act committed by some members of their community of which they most probably weren't even aware of and which most didnt support. Many murders are committed throughout India in which mostly the criminals are Hindus ( not because they are bad but because they are more in number). So should entire Hindu community be punished for their crime. If i kill some Muslim or of any other religion should you and other Hindus get punished for this? Just because you too are a Hindu. We cant correct what happened earlier (unless of course the criminal is caught) but we can ensure that no further wrong is done.
And my next question is that many people supported Babri demolition saying that Muslims did many wrongdoings in the past, but most out of them if given a chance would gladly settle in England not even thinking for a moment that India was most wronged by British. Should India declare war on UK just because there previous governments committed lots and lots of crime?
The answer is obvious.