[email protected] (Mike Schwab) writes: > Posted at http://www.ahajokes.com/com065.html with one character changed.
re: http://www.garlic.com/~lynn/2014g.html#34 Special characters for Passwords yes, oops, finger slip in URL: http://www.garlic.com/~lynn/2001d.html#52 and with respect to "person-centric" (although it was possible to deploy in an "institutional-centric" manner, one per institution) http://www.garlic.com/~lynn/2014g.html#35 Special characters for Passwords the assigned patents are in the financial industry. at one point some computer industry companies offerred to underwrite the total cost of deploying "person-centric" by the financial industry. The financial industry initially was receptive ... but then they started getting cold feet ... worried that the computer industry players, having paid for the deployment, might start wanting to take a percentage of payment fees ... and backed out. a big part of the problem is that the financial industry has had a difficult time trying to figure out how to make money out of improved security; for decades the financial industry has heavily prorated payment fees that they charged merchants based on fraud rates (industry even being accused of making significant profit off those fraud prorated fees). in a 2nd round, it was presented to the major e-commerce merchants (accounting for something like 70% of transactions) as "safe internet payments" which saw high acceptance ... the merchants expecting an order of magnitude reduction in payment fees with the elimination of fraud (they had been indoctrinated for decades that the payment fees were heavily prorated based on fraud). Then came the cognitive dissonance, the financial industry informing merchants that rather than order of magnitude reduction in payment fees with "safe internet payments", there would essentially be a surcharge on top of the highest rate they were already paying. NACHA https://www.nacha.org/ even did a pilot showing that it could be safely used for internet debit (in addition to credit). news & pilot results gone 404 ... but lives on at wayback machine (23July2001 item, with pointer to report of pilot results) http://web.archive.org/web/20070706004855/http://internetcouncil.nacha.org/News/news.html at the time, we weren't members of NACHA, so somebody submitted the proposal on our behalf. http://www.garlic.com/~lynn/nacharfi.htm demonstration that same exact operation for payments worked with RADIUS, KERBEROS and every other password-based authentication mechanism ... past posts about the radius implementation http://www.garlic.com/~lynn/subpubkey.html#radius and past posts about the kerberos implementation http://www.garlic.com/~lynn/subpubkey.html#kerberos -- virtualization experience starting Jan1968, online at home since Mar1970 ---------------------------------------------------------------------- For IBM-MAIN subscribe / signoff / archive access instructions, send email to [email protected] with the message: INFO IBM-MAIN
