From: | Gurth gurth@******.nl |
---|---|
Subject: | Cash, Credit and Crime |
Date: | Thu, 1 Jul 1999 12:13:09 +0200 |
the street was...
> A certified credstick is the equivalent of hard cash, where as a
> personalised one is more like a chequing account (although more
> immediate). You buy the certified stick with a certain amount of money
> on it. 1k, 5k, 10k, etc. etc. That stick is then computerised cash to
> that value. It is NOT a link to an account somewhere. The stick IS the
> money. Thus, if you give someone the stick, they don't get control over
> an account, they get the money that's on the stick.
Nice in theory, but the money would have to be at a bank somewhere as
well. If the _only_ place the money exists is on the stick, nothing is
stopping people from putting more on it -- have a bank put 100 nuyen on a
certified credstick, then link it to your computer and add another 99,900.
Hey, the banks won't know...
The way a certified credstick works, IMO (and I know this isn't the way
some SR book (Lone Star?) explains it), is by having a special account
that "belongs" to the stick, instead of to a person or organization.
Whenever you pay with the credstick, money is transferred from the stick's
account to the account of whoever is being paid.
--
Gurth@******.nl - http://www.xs4all.nl/~gurth/index.html
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