Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


View this topic in a long page with up to 500 replies per page Create new topic
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12
3115 posts

Uber Geek

Trusted
Subscriber

  # 670948 11-Aug-2012 11:19
Send private message

Looking at their demo, I wouldn't touch it with a 6 kilometre barge pole. Opens online banking in a frame really? Then interacts with your online banking window to fiddle with the forms inside it.

Yeah, nah, that's the dumbest idea I've ever seen.

6806 posts

Uber Geek

Trusted
Lifetime subscriber

  # 670956 11-Aug-2012 11:36
Send private message

I've just tried that demo too... I'd use it to get a $240 iPhone :)

 
 
 
 


2483 posts

Uber Geek

Trusted

  # 670967 11-Aug-2012 12:16
Send private message

I've grudgingly had to use it to avoid the stupidly high credit card surcharges (at one time, ~10% of the airfare.)

nickd: I tried with Air NZ but it rejected me because I'm on a mac. At least it pops up a message saying call up the call centre and use your credit card, tell them you've seen this message and they will waive the fee.

I've haven't tried this myself but it has worked for others. However, I believe they were meant to release a cross-platform version a while back... so that 'excuse' might not work for long.




Find me on Twitter!

I posted 1, 2 x 10^3 times!

3115 posts

Uber Geek

Trusted
Subscriber

  # 670968 11-Aug-2012 12:19
Send private message

I can't see them releasing a cross-platform version - that thing's a .NET Framework application (unfortunately they ran it through a code encrypter so I can't see what it's really doing. Does wonders for trustworthyness right?)

2483 posts

Uber Geek

Trusted

  # 670974 11-Aug-2012 12:31
Send private message

Kyanar: I can't see them releasing a cross-platform version - that thing's a .NET Framework application (unfortunately they ran it through a code encrypter so I can't see what it's really doing. Does wonders for trustworthyness right?)

Maybe via. Mono? I have no idea.


I don't really get why merchants don't just release details/reference numbers for people to pay with. People have been doing that for decades. Qantas in Australia have a BPay (bill payment) option which opens up a reservation for a limited time for you to pay.

POLi seems to only be a recognised way to automatically handle bill payment transaction details - the actions required to do it still requires user interaction... I'm guessing there's probably some backend stuff which tells the merchant to stop holding out for the transaction (as would be required normally.)

It might as well be some Greasemonkey-like script running on top.




Find me on Twitter!

I posted 1, 2 x 10^3 times!

5579 posts

Uber Geek

Trusted
Lifetime subscriber

  # 670984 11-Aug-2012 13:00
Send private message

I wouldn't use it. The only way I do online banking is going to the back site myself.




Chorus has spent $1.4 billion on making their xDSL broadband network faster and even more now as they are upgrading their rural Conklins. If your still stuck on ADSL or VDSL, why not spend $195 on a master filter install to make sure you are getting the most out of your connection?
I install - Naked DSL, DSL Master Splitters, VoIP, data cabling and general computer support for home and small business.
Rural Broadband RBI installer for Ultimate Broadband and Full Flavour

 

Need help in Auckland, Waikato or BoP? Click my email button, or email me direct: [my user name] at geekzonemail dot com


190 posts

Master Geek


  # 670990 11-Aug-2012 13:12
Send private message

Would using Poli not breach the terms with ones bank to not share your banking password with others? Surely the parent iframe could still use javascript to potentially log keystrokes?

I'm on Mac so haven't tried it, but wouldn't go near it anyway and resent the over-the-top card fees airnz charge as an alternative.

 
 
 
 


3115 posts

Uber Geek

Trusted
Subscriber

  # 671051 11-Aug-2012 15:12
Send private message

RmACK: Would using Poli not breach the terms with ones bank to not share your banking password with others? Surely the parent iframe could still use javascript to potentially log keystrokes?

I'm on Mac so haven't tried it, but wouldn't go near it anyway and resent the over-the-top card fees airnz charge as an alternative.


It's not a frame, it's a custom browser application that embeds your online banking then screws with the HTML document the bank returns to strip out the options PoLi don't want you using.  Yes, it absolutely could keylog your login.  And because it's a closed source application which they've encrypted, you'd have no way of knowing if it did.

Worse, according to Air NZ's FAQs, POLi does not necessarily have an agreement with your bank, so technically using it is a violation of your bank's terms and conditions.

1297 posts

Uber Geek


  # 671119 11-Aug-2012 18:39
Send private message

I have used it from both sides, as customer, and as developer.

It is not something I recommend to my clients.

Unless you are using a fairly recent and up to date version of windows, you are out of luck. When people want to give you money, telling them they can't unless they are using an up to date version of windows... is counter productive!

Add to that the fact that the merchant isn't actually assured of getting the money (some banks allow cancelling direct credits within some hours) anyway so they still need to reconcile their bank accounts to their website systems...







---
James Sleeman
I sell lots of stuff for electronic enthusiasts...


22742 posts

Uber Geek

Trusted
Subscriber

  # 671649 13-Aug-2012 00:26
Send private message

Ive always wondered what if you gave poli a fake banking site to work with. It would think you paid but really nothing happenef.




Richard rich.ms

1081 posts

Uber Geek


  # 671660 13-Aug-2012 08:12
Send private message

PoLi has failed 2 of 3 times I have used it on AirNZ and Jetstar. The transaction went through, but then the airline booking/payment confirmation page never loaded.
I had to wait a week for one lot of tickets to be confirmed.
I also am extremely uncomfortable allowing a 3rd party application access to my internet banking, but it meant avoiding a $24 credit card fee.

Didn't AirNZ used to hold the booking for 24hours until you paid by direct credit using a reference number? I guess that meant alot of seats in limbo.

Perhaps AirNZ should switch to Pago? It's a pretty annoying system (now forced to use it on Powershop), but at least it seems more secure.


Phil Gale
1108 posts

Uber Geek

Trusted
Red Jungle
Subscriber

  # 671814 13-Aug-2012 13:50
Send private message

manhinli:
I don't really get why merchants don't just release details/reference numbers for people to pay with.


I have implemented POLi for a council client. The reason they did not simply publish/give out their bank details was that typically people are incredibly unreliable at providing correct/any reference information. And it then becomes a major nightmare/cost for them to reconcile all these random payments (often part-payments) to someones rates / dogs / infringements etc.




Red Jungle: we make fantastic software

RSS  Twitter  Facebook  Skype

1297 posts

Uber Geek


  # 671822 13-Aug-2012 14:00
Send private message

RedJungle: that typically people are incredibly unreliable at providing correct/any reference information


Very true, and it's the only reason that POLi can be useful - if you are doing a high volume of transactions.  If you're not, then it's easy enough to manually work it out.

What is really needed is for the banks to all get together and come up with really simple and standard "payment request" api,

  http://thebank.co.nz/request_money?destination=xx-xxxx-xxxxxx-xx&reference=xxxx&amount=xx.xx

redirect the customer to it (after they have chosen which bank they use), the bank then presents all the usual internet banking login, and gives their normal old transfer money form prefilled with the details.

The only reason I can think that banks havn't already done this, is that it might eat into their credit card transactions.





---
James Sleeman
I sell lots of stuff for electronic enthusiasts...


4625 posts

Uber Geek

Trusted

  # 671825 13-Aug-2012 14:02
Send private message

sleemanj:
RedJungle: that typically people are incredibly unreliable at providing correct/any reference information


Very true, and it's the only reason that POLi can be useful - if you are doing a high volume of transactions.  If you're not, then it's easy enough to manually work it out.

What is really needed is for the banks to all get together and come up with really simple and standard "payment request" api,

  http://thebank.co.nz/request_money?destination=xx-xxxx-xxxxxx-xx&reference=xxxx&amount=xx.xx

redirect the customer to it, the bank then presents all the usual internet banking login, and gives their normal old transfer money form prefilled with the details.

The only reason I can think that banks havn't already done this, is that it might eat into their credit card transactions.




OFX already handles all of this.  In NZ only ASB (I think) implement it, and then it's only for statement export.  Bu tin reality, OFX (Open Financial Exchange) covers payments exports everything between apps and banks.

http://www.ofx.net/DownloadPage/Downloads.aspx




Previously known as psycik

OpenHAB: Gigabyte AMD A8 BrixOpenHAB with Aeotech ZWave Controller, Raspberry PI, Wemos D1 Mini, Zwave, Xiaomi Humidity and Temperature sensors and Bluetooth LE Sensors
Media:Chromecast v2, ATV4, Roku3, HDHomeRun Dual
Windows 10
Host (Plex Server/Crashplan): 2x2TB, 2x3TB, 1x4TB using DriveBender, Samsung 850 evo 512 GB SSD, Hyper-V Server with 1xW10, 1xW2k8, 2xUbuntu 16.04 LTS, Crashplan, NextPVR channel for Plex,NextPVR Metadata Agent and Scanner for Plex


1297 posts

Uber Geek


  # 671827 13-Aug-2012 14:06
Send private message

davidcole:
OFX already handles all of this.  In NZ only ASB (I think) implement it, and then it's only for statement export.  Bu tin reality, OFX (Open Financial Exchange) covers payments exports everything between apps and banks.

http://www.ofx.net/DownloadPage/Downloads.aspx


You have the wrong end of the stick.

I'm talking about an automated way for customers, people buying things, to be presented a pre-filled-out form, in their ordinary internet banking, to allow them to transfer money to you ("internet banking payment") with a given set of reference, to your specified account.

For example a link "Click Here To Pay With Yourbank Internet Banking", goes to the customers bank, the customer logs in, and they are presented with their normal type of make payment form but already completed with the details they need to provide.

OFX is about downloading transactions from your account, to your application, or indeed in some cases feeding the other direction.  It's not about a customer initiating a payment.

Edit To Add:  One other consideration that banks may have, is that people clicking a link to go to their bank during a payment process, might muddy the waters with regards to phishing awareness.  But it's still a lot better than the alternative - POLi.





---
James Sleeman
I sell lots of stuff for electronic enthusiasts...


1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12
View this topic in a long page with up to 500 replies per page Create new topic



Twitter and LinkedIn »



Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Intel introduces cryogenic control chip to enable quantum computers
Posted 10-Dec-2019 21:32


Vodafone 5G service live in four cities
Posted 10-Dec-2019 08:30


Samsung Galaxy Fold now available in New Zealand
Posted 6-Dec-2019 00:01


NZ company oDocs awarded US$ 100,000 Dubai World Expo grant
Posted 5-Dec-2019 16:00


New Zealand Rugby Selects AWS-Powered Analytics for Deeper Game Insights
Posted 5-Dec-2019 11:33


IMAGR and Farro bring checkout-less supermarket shopping to New Zealand
Posted 5-Dec-2019 09:07


Wellington Airport becomes first 5G connected airport in the country
Posted 3-Dec-2019 08:42


MetService secures Al Jazeera as a new weather client
Posted 28-Nov-2019 09:40


NZ a top 10 connected nation with stage one of ultra-fast broadband roll-out completed
Posted 24-Nov-2019 14:15


Microsoft Translator understands te reo Māori
Posted 22-Nov-2019 08:46


Chorus to launch Hyperfibre service
Posted 18-Nov-2019 15:00


Microsoft launches first Experience Center worldwide for Asia Pacific in Singapore
Posted 13-Nov-2019 13:08


Disney+ comes to LG Smart TVs
Posted 13-Nov-2019 12:55


Spark launches new wireless broadband "Unplan Metro"
Posted 11-Nov-2019 08:19


Malwarebytes overhauls flagship product with new UI, faster engine and lighter footprint
Posted 6-Nov-2019 11:48



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.