61–70 of 360 posts
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> You can't get 125 million folks into this address space? I think some people are now using a new card number per transaction , with these disposable card numbers, aren't they?
We are lucky they don't use a disposable IPv4 address per page, that would break the Internet /s.
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The problem with that is the purpose of a credit card system is convenience, especially the convenience involved in being able to represent the identifier in an easily compact manner. When it's a few groups of digits, I can print it onto a card or piece of paper, and just plug the digits in whenever I need to validate the number and run a transaction. You can't do that with a token. What happens when I want to use my…
Many of those use cases probably shouldn’t be supported. It would cut down on fraud if we disallowed card not present transactions on unknown devices.
Beyond assigning IINs more judiciously, credit rating systems could drop the concept of "more accounts = better credit". It would discourage people from opening 7 credit cards to raise scores, when 1 or 2 would do.
I have 4 unused cards I keep open just for this, seems a complete waste for every body.
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> that I set online to exactly the amount I'm spending Sounds like it would take longer at checkout though?
Lots of my spending is online. Like everybody else, considering Amazon's success.
This is a ridiculous story. Japan has a population of 150M. If you can't give folks a number from SIXTEEN digits - something is wrong with the folks giving out the numbers. Some answers to the excuses. The 6 digits at front, if a company legit runs out of numbers, ask for another prefix. The reality. Instead of using the numbers properly (random ID to tie to a user account) they are probably putting some kind of stru…
Wouldn't the Luhn algorithm checksum [1] limit the available digits? It is specifically there so a one-off error doesn't result in a charge going to a valid other account. [1] https://en.wikipedia.org/wiki/Luhn_algorithm
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Only slightly more insane than keeping the handy 4x4 format, but extending it from base 10 numbers to base 16, which I would really love to see :D
They would need to EOL over-the-phone payments to do this. People have horrible diction and it's hard to tell the difference between b, c, d, and e when a particularly lazy lipped person says these letters (in addition to non-hex letters like g, p, t, and v). Then they use their own ambiguous phonetic system (b as in ball, c as in call, d as in doll will confuse anyone trying to distinguish between the three). Oh and…
This is a ridiculous story. Japan has a population of 150M. If you can't give folks a number from SIXTEEN digits - something is wrong with the folks giving out the numbers. Some answers to the excuses. The 6 digits at front, if a company legit runs out of numbers, ask for another prefix. The reality. Instead of using the numbers properly (random ID to tie to a user account) they are probably putting some kind of stru…
Earlier quoted context omitted.
Lots of my spending is online. Like everybody else, considering Amazon's success.
Ok... sounds like it would take longer at online checkout then.
Lets try to imagine a better future?
This is a ridiculous story. Japan has a population of 150M. If you can't give folks a number from SIXTEEN digits - something is wrong with the folks giving out the numbers. Some answers to the excuses. The 6 digits at front, if a company legit runs out of numbers, ask for another prefix. The reality. Instead of using the numbers properly (random ID to tie to a user account) they are probably putting some kind of stru…