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把 CSC (卡片背面的三碼) 變成 OTP (動態密碼)

把信用卡背面的後三碼 (Card security code) 變成動態密碼,雖然一般只會有三碼,但對於網路消費應該會有不少幫助,不過這樣就不能完全不拿出卡片了...:「This high-tech card is being rolled out by French banks to eliminate fraud」。

產品叫做 MotionCode,會先從法國開始:

Today both Société Générale and Groupe BPCE, two of France’s largest banking groups, are preparing to roll out these cards across all their customers after completing a pilot scheme last year.

然後是波蘭、墨西哥以及英國在規劃:

There are other pilots underway in Poland and Mexico, and Davis is running Oberthur’s UK operation with the hope of getting a pilot or trial started with a UK bank soon.

ING Bank 在羅馬尼亞的機房出事...

ING Bank 在羅馬尼亞的機房發生資料損毀:「A Loud Sound Just Shut Down a Bank's Data Center for 10 Hours」。

不過原因是因為火災測試時噴發的音量太大,導致硬碟故障 XDDD

ING Bank’s main data center in Bucharest, Romania, was severely damaged over the weekend during a fire extinguishing test. In what is a very rare but known phenomenon, it was the loud sound of inert gas being released that destroyed dozens of hard drives. The site is currently offline and the bank relies solely on its backup data center, located within a couple of miles’ proximity.

報導給了個測試影片,示範超大的音量會對硬碟有什麼影響:

MasterCard 在英國被告收取過高的手續費

在「Mastercard sued for $19 billion in Britain's biggest damages claim」這邊看到的幾個重點,第一個是歐盟對國際手續費 1% 的限制:(雖然 Brexit...)

A lawyer working on the case said Mastercard charged shops fees in excess of 1 percent for card use on international transactions between 1992 and 2008.Although the EU's anti-trust regulator only ruled Mastercard's international fees were illegal, this impacted British consumers as it was the default fee used in Britain.

另外一個是兩年前的新規定:

Two years ago, the European Union capped the fees retailers pay at 0.2 percent for debit cards and 0.3 percent for credit cards.

唔... (回頭看台灣的帳單)

Apple 的 App Store 的訂閱制度更新

先前在「蘋果 App Store 收費模式的改變」這邊提到的改變,這幾天細節公開了:「Subscriptions - App Store - Apple Developer」。

最主要的改變在於超過一年的費用從原來的 30% 降低到 15%:

Within a subscriber’s first year of an auto-renewable subscription, you receive the traditional 70% of the subscription price at each billing cycle, minus applicable taxes. After a subscriber accumulates one year of paid service, your revenue increases to 85% of the subscription price, minus applicable taxes.

不知道這對市場生態會帶來怎麼樣的影響...

CloudFlare 對 HiNet 成本的抱怨 (還有其他 ISP...)

CloudFlare 特地寫了一篇討拍文在分析對六個 ISP 的超高成本:「Bandwidth Costs Around the World」。

其他的就不講了,先看對價錢的定義:

As a benchmark, let's assume the cost of transit in Europe and North America is 10 units (per Mbps).

然後來看亞洲區以及 HiNet 的部份寫了什麼:

Two Asian locations stand out as being especially expensive: Seoul and Taipei. In these markets, with powerful incumbents (Korea Telecom and HiNet), transit costs 15x as much as in Europe or North America, or 150 units.

成本大約是 15 倍。另外說明這六個 ISP 佔了他們 50% 的頻寬成本 (以及 6% 的流量):

Today, however, there are six expensive networks (HiNet, Korea Telecom, Optus, Telecom Argentina, Telefonica, Telstra) that are more than an order of magnitude more expensive than other bandwidth providers around the globe and refuse to discuss local peering relationships. To give you a sense, these six networks represent less than 6% of the traffic but nearly 50% of our bandwidth costs.

為什麼有種濃濃的既視感 XDDD

Netflix 把金流相關的系統轉移到 AWS 上跑 MySQL 的故事...

這次要提的是「Netflix Billing Migration to AWS」、「Netflix Billing Migration to AWS - Part II」與「Netflix Billing Migration to AWS - Part III」這三篇。

Netflix 先前的金流相關系統跑的是 Oracle 的資料庫:

然後換成 MySQL

系統上是採用 DRBD,然後底層是 5 個 4TB 的 EBS 組成的 RAID 0,跑 LVM

High performance with respect to reads and writes was achieved by using RAID0 with EBS provisioned IOPS volumes. To get more throughput per volume, 5 volumes of 4TB each were used, instead of 1 big volume. This was to facilitate faster snapshots and restores.

LVM to manage two Logical Volume’s (DB and DRBD Metadata) within single Volume Group.

可以看到裡面用的都是很經過時間考驗的技術,像是 DRBD、標準的 Replication 架構...

Linode 收 PayPal 了,只是...

Linode 宣佈支援 PayPal 了:「PayPal Payments」,只是:

While any customer can use PayPal to fund their account, new customers will still need to sign up using a credit card. You can use PayPal from then on.

而原因是:

This is in part because we don’t yet have the ability to automatically transfer funds from PayPal. If you intend on paying only via PayPal, you will need to ensure that you have enough credit on your Linode account to cover your next invoice. Otherwise, our system will attempt to collect any remaining balance from the credit card you have on file.

這理由爛爆了 XDDD

Humble Bundle 對抗信用卡盜刷的方法

Humble Bundle 說明他們如何對抗信用卡盜刷的方法,主要是不斷的降低風險,然後讓人介入的機會降低 (因為人事成本很高):「How Humble Bundle stops online fraud」。

其中第一點是特別想提的:

Our first line of defense is a machine-learning-based anti-abuse startup called Sift Science, which we’ve been training for years across 55,000,000 transactions. Given how many orders we process, Sift Science has a really good idea when someone is up to no good. The model adapts daily as we get more data.

Sift Science 在 2014 的時候提過:「偵測信用卡交易是否為盜刷的服務」。做的事情很簡單,你把大量的資料傳給 Sift Science,包括了各種使用者身份資訊,以及信用卡資料,Sift Science 可以透過 Machine Learning 的方法告訴你這筆交易的風險,讓你進一步的判斷。

其實不少家都有做類似的服務,像是 MaxMindminFraud (就是做 GeoIP database 很有名的那家公司的另外一個產品)。當交易量很大的時候是個很有趣的應用,降低處理盜刷後續處理的成本。

Avast 買 AVG

AvastAVG,這兩家都不小:「Avast acquires rival AVG for $1.3 billion to create a security software giant」。

文章開頭提到的交易的形式與金額:

Security software giant Avast Software has acquired rival AVG Technologies. Avast will pay $25 cash for each of AVG’s outstanding ordinary shares in a deal amounting to around $1.3 billion.

兩家也都放了新聞稿:

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