Recent comments in /f/explainlikeimfive

S3rgeus t1_ix01ldq wrote

The card reader's job is to help you convince the bank that you really are the person who should have access to your account and that you're not a criminal trying to steal your money.

Imagine we have a conversation in person. I know you're you because I can see you and we know each other. I tell you that if I ever want to confirm it's you when we talk online, I'll ask you "What happens if I have this many apples?" and I'll give you a number. To convince me you're the same person who had this in-person conversation, you multiply the number I gave you by 3 and say "You'll end up with that many seeds."

A few weeks later, we're having a conversation online. I ask you "What happens if I have 6 apples?"

You say "You'll end up with 18 seeds." (because 6*3=18)

I now know you're the person who I had that conversation in person with. I know you're supposed to say 18, because we discussed what you should do with the number I have given you. A person who is posing as you would either not know how they were supposed to respond to the question, or if they had a similar conversation with me before, they don't know what number I gave you specifically.

The banking thing is the same. The card reader is playing the role of the in person conversation. The math is more complicated, but essentially when the bank gives you a number to confirm a transaction, the card reader does some operation on the number. The bank already knows what the answer is supposed to be. If you're able to give them the answer they expect, they know* you have the card reader you were given when you opened your account. The card reader just needs to do the predictable operation, it doesn't need to connect to anything to do that (the same way you can multiply by 3 without looking it up).

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*Since the operation is predictable (and has to be, that's what lets the bank know what the answer should be), if someone else were to discover what the operation was and what numbers your card reader uses for the operation, they could pose as you. So the bank doesn't so much "know it's you", they really know "you're someone who can do the secret operation we gave you when you opened your account", which is pretty close, but not exactly the same.

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nihizg t1_iwzr876 wrote

Have you ever used a 2FA code? Its a similar mechanism to that.

Essentially, both the bank and your card have a shared secret number - the bank sets this up when they issue you your card. You can think of it like a key that only the two of you have.

When you put your card into your card reader and enter your pin, you're asked to enter something like a confirmation code, like the account number you're trying to transfer money to. The card reader can then combine the secret number on the card with that confirmation code, which you then give to your online bank to give the output. The online bank can then check that output number - since it also has your secret number! But no one else without that secret number can perform that calculation!

The details of exactly how this works is a bit tricky, since cryptography gets mathy fast, and requires lots of other proofs of other useful properties, e.g. protecting against using the same output code twice, etc.

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furstimus t1_iwzp2wy wrote

Do you mean the ones that generate a code for you to log into your online banking? They are done by having a secret key code which is stored in the device and known by your online banking. Online banking will all you to enter a code into the device, the device will then do a sum including the code and secret key and return a new value which is your login.

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Darkassassin07 t1_iwzlr4r wrote

....they are connected to the internet? Either via cellular data, local WiFi, or a lan cable.

Technically there is a method of taking credit card payments (not debit, credit only) while temporarily offline, but the merchant doesn't receive any funds and no transaction is posted to the credit card holder until those offline transactions are submitted to the merchants credit card processing service, processed, and approved.

This has more risk involved than online immediately validated transactions because it can't verify the funds are actually available at the time of the transaction so very few merchants or card processors will allow it.

The prevalence of chip+pin security has pushed all the manual card entry methods out the door in the name of security. Credit Card issuers/processors don't like dealing with fraud cases, so they don't allow customers to use their cards in ways that promote fraud.

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Beneficial-Car-3959 t1_iwzkqcn wrote

He is probably in Country where you can go to two ATMs who are near each other. Takes money from one ATM than goes to other ATM. Second ATM shows original sum (like money never left first ATM).

ATMs are connected to Internet but in some countries sync with main database is slower (every 10/20 minutes).

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Elgatee t1_iwpxlun wrote

Not everything scale that simply.

Let's go for one very simple issue: Chips. Chips can only be made so small for physics reason. We're currently making chips and motherboard so small we can't make them smaller and still have them function reliably. We're talking nano meter wide circuitry. You can almost count the wideness in terms of molecule. A single grain of dust can already cause malfunction in these kind of things.

Nanomachines (son) are still really far away from being an effective solution. And that's not talking about batteries autonomy on these things.

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Moskau50 t1_iwpw2hh wrote

The robot might be, but the human has to verify it. How do you confirm that it’s accurate/precise aside from having a person check it? The robot will do exactly as it’s told, but that doesn’t mean it’s right, just that it’s obedient.

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Phage0070 t1_iwpvm0f wrote

Your submission has been removed for the following reason(s):

ELI5 is not for subjective or speculative replies - only objective explanations are permitted here; your question is asking for subjective or speculative replies.

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TheLuteceSibling t1_iwpsk3p wrote

Making something requires precision, and making something smaller requires more precision. Your hypothetical requires that we make something that in turn makes something else with even greater precision than we ourselves are capable of.

Also… computer chips are small, but the process to make them cannot be replicated by some miniature robot.

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PM_ME___IDK_WHATEVER t1_iuka0qr wrote

Pretty much the same as any large company honestly. Recruiters, job fairs, online applications, etc. To actually start work however, you will typically need to get a security clearance if you don’t already have one, and that’s a long and involved process. Much more so than what you typically think of as a background check.

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kinyutaka t1_iuk9wvy wrote

I get that a lot. Someone will rapid fire like 5 points on Twitter (where space is limited), and I'll address points 1, 2, and 3, and they will shoot back about how I refuse to talk about point 5 before I am even done with point 4.

So, I address point 5, and they use the fact that you can't see the whole threads at once to accuse me of not addressing point 3, then fire off 5 more points.

And even if I do manage to address all of them, they just argue that one of the responses just doesn't apply in the situation, accuse me of acting in bad faith, and block me from responding further.

And in their twisted mind, that means they won.

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yukon-flower t1_iuk8fuw wrote

It's not just allergies, but intolerances. I have an intolerance---i.e., an issue when consuming them that has nothing to do with an immune system response---and it's the #1 condition affecting my life.

I cannot eat out of virtually any commercial kitchens (restaurants, food trucks, etc.) because cross-contamination is everywhere. The great majority of foods at the store that say "spices" have paprika in them. I know this because I managed to get a sneak peek at an ingredients list for a major spice company that makes the seasoning mixes for thousands of other food manufacturers. And potato starch shows up EVERYWHERE these days.

Nightshades, particularly tomatoes and potatoes, are cheap and so are used as fillers in a TON of foods. Avoiding them is next to impossible when eating outside the house. So I can rarely socialize with friends at restaurants unless I eat beforehand/after and then during the meal sit there like a chump sort of picking at a bread roll or whatever. It sucks.

Eat them, even trace amounts, and my life basically goes to shit for several days, often culminating in seizures. Not fun.

But besides people like me (there are dozens of us!), a lot of people who avoid nightshades do it for anti-inflammatory purposes, or to tame their arthritis.

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