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Subject: TELECOM Digest V23 #165

TELECOM Digest     Tue, 6 Apr 2004 17:20:00 EDT    Volume 23 : Issue 165

Inside This Issue:                            Editor: Patrick A. Townson

    Jeff Pulver's Comments on the Sununu VoIP Bill (VOIP News)
    Centigram Series 6 Voicemail (Tim Howell)
    Re: Book on How the Internet/WWW Works? (John Levine)
    Re: Excel Communications (J Kelly)
    Re: Regulators Weigh Whether New Services Fall Within Realm (M Sullivan)
    For the Person Asking About Setting Up an Internet Cafe (Tony P.)
    Problems With VOIP Dropping Words (Jack Decker)
    Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle (Zwanzig)
    Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle (Tony P.)
    Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle (Thomas)
    Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle (Dold)
    Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle (Leighton)
    Re: Walmart Mixup Balancing Credit Cards Causes Hassle (Wesrock)
    Re: Cell Phones Exceed Land Lines in Maine (John R. Levine)
    Re: Apparent Hidden Advertisements in the Telecom Digest (C Cryderman)

All contents here are copyrighted by Patrick Townson and the
individual writers/correspondents. Articles may be used in other
journals or newsgroups, provided the writer's name and the Digest are
included in the fair use quote.  By using -any name or email address-
included herein for -any- reason other than responding to an article
herein, you agree to pay a hundred dollars to the recipients of the
email.

               ===========================

Addresses herein are not to be added to any mailing list, nor to be
sold or given away without explicit written consent.  Chain letters,
viruses, porn, spam, and miscellaneous junk are definitely unwelcome.

We must fight spam for the same reason we fight crime: not because we
are naive enough to believe that we will ever stamp it out, but because
we do not want the kind of world that results when no one stands
against crime.   Geoffrey Welsh

               ===========================

See the bottom of this issue for subscription and archive details
and the name of our lawyer; other stuff of interest.  
    
---------------------------------------------------------------------

From: VOIP News <voip news>
Date: Tue, 06 Apr 2004 13:20:45 -0400
Subject: [VoIP News] Jeff Pulver's comments on the Sununu VoIP Bill
Reply-To: VoIPnews@yahoogroups.com


Jeff Pulver expressed his opinion on the Sununu VoIP Bill on his blog,
which can be found at: http://192.246.69.231/jeff/personal/index.html]

Here is what he wrote:

My take on the Sununu VoIP Bill

I like it! :-)

Overall the VoIP Bill is what I expected to see, a nice show of
support and place holder setting forth a strong statement to allow
VoIP to grow relatively free of excessive regulation, particularly
unaffected by a host of onerous state regulations.

I think it is pretty good to have this as the first proposed piece of
legislation on the topic, but I don't really expect any immediate
action from Congress beyond a few hearings and press statement this
year or early next year.

Than again, as I've learned, "Nothing is Impossible!"

This bill (and the Pickering version in the House), will be very
important to help people frame the regulatory debate.

I look forward to additional meetings on Capitol Hill and taking part
in future hearings on this subject.

Posted by jeff at 06:16 PM

How to Distribute VoIP Throughout a Home:
http://michigantelephone.mi.org/distribute.html

If you live in Michigan, subscribe to the MI-Telecom group:
http://groups.yahoo.com/group/MI-Telecom/
 
------------------------------

From: tim@fefcful.org (Tim Howell)
Subject: Centigram Series 6 Voicemail
Date: 6 Apr 2004 10:41:21 -0700
Organization: http://groups.google.com


Can anyone post instructions on how to change the length of a DTMF
digit and the length of the gap between DTMF digits on a Centigram
Series 6 voicemail server?

Thanks!

--TWH

------------------------------

Date: 6 Apr 2004 05:40:43 -0000
From: John Levine <johnl@iecc.com>
Subject: Re: Book on How the Internet/WWW Works?
Organization: I.E.C.C., Trumansburg NY USA


> So, can anyone recommend a book or other reference for the technically
> savvy but general reader on this?  (Not a "how too use it" book; not a
> detailed reference on the IP or other protocols; just a "how it all
> works" description.)

If you can find a copy of my "Internet Secrets", 2nd edition, there's
a couple of chapters on just those topics.

Regards,

John Levine johnl@iecc.com Primary Perpetrator of "The Internet for Dummies"
Information Superhighwayman wanna-be, http://iecc.com/johnl, 
Sewer Commissioner
"More Wiener schnitzel, please", said Tom, revealingly.

------------------------------

From: J Kelly <jkelly@newsguy.com>
Subject: Re: Excel Communications
Date: Tue, 06 Apr 2004 08:12:28 -0500
Organization: http://newsguy.com
Reply-To: jkelly@newsguy.com


On 4 Apr 2004 05:46:32 -0000, John Levine <johnl@iecc.com> wrote:

>> If your with any other telecom service provider you're still paying at
>> or near the same as Excel price, ...

> Uh, no.  Excel's Nickel Nation costs $5 per month and 5 cents per
> minute with an outrageous five minute (25 cent) minimum per call.
> Other plans have even higher per minute rates.  800 service is
> $3.50/mo and 19 cpm.  And don't forget the bogus $1.30/mo "carrier
> cost recovery" charge which Excel keeps.

LOL!  I pay $.05 with NO monthly fee, no minimum, and it is capped at
$20.  Use more than 400 minutes and the rest are free.  I'm quite
happy with it.  The provider is the same as my local service.  Qwest.
Never had a problem with their LD service.  Their local service had
some nightmares for awhile, but they fixed it and compensated me
nicely for their screw up.

------------------------------

From: Michael D. Sullivan <nospam@camsul.com>
Subject: Re: Regulators Weigh Whether New Services Fall Within Their Realm
Date: Tue, 06 Apr 2004 04:49:19 GMT


In article <telecom23.161.4@telecom-digest.org>, TELECOM Digest Editor
noted in response to an article in VOIP News:

> [TELECOM Digest Editor's Note: Those public servants never give up, do
> they?  They'll be damned if they can't have VOIP service to screw up
> the way they have screwed up landline telco over the years. Anyway, I 
> thought a couple days ago I read here that (a) the FCC had decided
> that VOIP was not going to be subject to those regulations and/or (b)
> the federal government was pre-empting all the state and local
> agencies and going to take it over exclusively for themselves.   PAT]

The FCC has not decided what to do about phone-to-phone VOIP yet.  It 
has held that pulver.com's non-interconnected Free World Dialup isn't a 
telecommunications service, but it has begun a rulemaking about what to 
make of this new thing that is threatening to break out of the mold of 
the 1934 Act.  Legislation is being introduced (most recently by Sununu 
of NH -- I wonder who wrote it for him?  My guess is the carrier with 
the TouchTone(TM) code 288 that wants to convert all of its service to 
VoIP and exempt it from access charges) that would specifically exempt 
all VoIP service from telecommunications regulation at the state and 
federal level, but a bill is about as good as a warm bucket of s*it.


Michael D. Sullivan
Bethesda, MD, USA
Delete nospam from my address and it won't work.

------------------------------

From: Tony P. <kd1s@nospamplease.verizon.reallynospam.net>
Subject: For the Person Asking About Setting up an Internet Cafe
Organization: ATCC
Date: Tue, 06 Apr 2004 05:22:14 GMT


Read! This is very interesting even if it did happen in Ireland. 

   John Allman allmanj at houseofireland.com 
   Mon Apr 5 09:33:39 IST 2004

Some of you who were on #linux on Friday will know part or most of this
story already as I witnessed some of it (while drinking a truly
delicious hot chocolate). For those of you who don't, the following is a
report written up by a friend of mine on his succussful (or at least,
it's looking good) attempt to stop and catch a 419 scammer. I feel it's
worth the read.

John

  From:   Steffen Higel <Steffen.Higel at cs.tcd.ie>
  To:     John Allman <allmanj at houseofireland.com>,


[This is long, and is quite heavy on the technical discussion. Skip the
bits you don't understand. It gets interesting.]

I work for a busy Dublin Internet cafe, doing some sysadmining and
general computer maintenance. On Sunday the 28th of March, I got a
rather distressing email from a sysadmin in a large U.S. University.
Spamcop had blacklisted our server's external IP address. Abuse mail
for the server in question gets sent to my college account (bad
practice, I know, but it's a part time job). My college uses Spamcop
as a blacklist source. You can probably tell what happened...

Anyway, said email included the full headers of an email which was
natted by our server pretending to be from the widow of Mr. Jonas
Savimbi, offering the recipient a share of an unspecified large sum of
money. The usual panicked thoughts kick in... "Have I fiddled with
something which has left us as an open relay?", "Has our server been
cracked?", "Have I been sleep-spamming again?". A more reasoned
examination of the headers showed that the mail had originated from
one of the IP addresses that we assign dynamically to people who bring
laptops into the cafe. This is something of a nightmare for cafe
operators, we can hardly block outbound smtp but then again it isn't
possible for us to manually check every single mail either. Maybe rate
limiting is a valid technical solution. Or a contraption which hits
the user on the head for every mail they send. So if they send 1 an
hour, it's a mild nuisance. But if they send 100 a minute, it'll
probably kill them.

A peek through the logs revealed:

Mar 26 15:04:16 server dhcpd-2.2.x: DHCPDISCOVER from 00:40:f4:5d:aa:f7
via eth1
Mar 26 15:04:17 server dhcpd-2.2.x: DHCPOFFER on 192.168.1.70 to
00:40:f4:5d:aa:f7 via eth1
Mar 26 15:04:17 server dhcpd-2.2.x: DHCPREQUEST for 192.168.1.70 from
00:40:f4:5d:aa:f7 via eth1
Mar 26 15:04:17 server dhcpd-2.2.x: DHCPACK on 192.168.1.70 to
00:40:f4:5d:aa:f7 via eth1
Mar 26 15:04:20 server dhcpd-2.2.x: DHCPREQUEST for 192.168.1.70 from
00:40:f4:5d:aa:f7 via eth1
Mar 26 15:04:20 server dhcpd-2.2.x: DHCPACK on 192.168.1.70 to
00:40:f4:5d:aa:f7 via eth1

Bingo. I had something to work with. The network card is one based on a
Cameo 32bit chipset. Matches up quite nicely with these:

  Return-Path: <mjsavimbi2000 at yahoo.co.uk>
  Received: from 192.168.1.70 (server.XXXXXX [XXXXXXX.29])
   byXXXXXXXXXXXXXXXXXX) with SMTP id i2QFrgi0002755
   for <XXXXXXXXXXXXXX>; Fri, 26 Mar 2004 10:53:44 -0500 (EST)
  Reply-To: "michelle savimbi" <mjsavimbi2000 at yahoo.co.uk>
  From: "michelle savimbi" <mjsavimbi2000 at yahoo.co.uk>  
  To: <XXXXXXXXXXXXXXX>
  Subject: urgent response
  Date: Fri, 26 Mar 2004 15:53:26 +0000
  Organization:
  Mime-Version: 1.0
  Content-Type: multipart/alternative;
  boundary="----=_NextPart_000_0034_01C221EC.6C64F7B0"
  X-Priority: 3 (Normal)
  X-MSMail-Priority: Normal
  X-Mailer: Microsoft Outlook Express 6.00.2600.0000ams
  X-MimeOLE: Produced by Microsoft MimeOLE V6.00.2800.1165

I asked around, and a man, described as being black (or is the word
African-American these days?), roughly 30, with an accent which seemed
half London and half African had been in the cafe with a laptop and
had a number of visitors call into his booth and had been there at the
given time.

I hate spam more than I hate crackers. I hate spam more than I hate
virus writers. I wanted to catch this guy in the act and I wanted to
see him hauled off in a paddywagon. We contacted the police, who
unfortunately didn't seem willing to do anything about it unless we
caught someone in the act of doing something illegal. The daily staff
in the cafe were instructed to let me know if said individual turned
up again, though honestly, who could be that stupid? My hopes weren't
high.

Evidently, a 419er is that stupid. The very next Friday (2nd of April
2004) he turned up again. I was on the bus at the time, just about to
go in for another day of world altering research. I ran down as fast
as I could and was told that he was on the second floor and hadn't
plugged in yet because he wanted one particular booth which is
somewhat secluded and was willing to wait.

I sat myself down at a computer in another room, started tailing the
daemon.log and waited for the telltale entries. I took a quick flick
through the tcpdump manpage, just to make sure I didn't screw up. 20
minutes later, it started to happen. He plugged in, and his Windows XP
laptop started to blabber away. WindowsUpdate, Netbios, passport
logins.  Nothing much happened for a while. The odd DNS request here,
the occasional search:

GET /search.php?Keywords=male%20erection&p (I'm not messing!)

on 64.21.81.131, which seems to belong to some direct marketing whorehouse.

He logged into this as well: 66.180.174.12, which seems to be some
sort of mail harvesting database. The login is done over SSL, so I
can't find out more. If any militant anti-spam vigilantes want to get
a good look at how these people organize themselves, that's probably a
good place to start.

Then, he spent a bit of time on http://www.emailspidereasy.com. Don't
you just love the fake google-textads? He logged into mail.com next,
using the email address kendoda at accountant.com. Whatever hash they
use for passwords was aaka7zxkcNo. Then, he logged into his yahoo mail
account. This was probably to check the account that in which he
receives those mails. It looks like the rest happened over SSL.

Then it started. The screen started showing an awful lot of smtp
traffic heading out onto the net. I knew that I had to let it go, even
if it meant another 48 hours of being blacklisted. If it meant he
could be convicted of committing a crime, then I figured it was worth
the price.  I hope those who received the mail also feel that
way. (sorry :-/)

Before I phoned my contact in the Gardai, I had to make sure that he
was actually sending out his vile wares. I scped the partial dumpfile
onto my laptop, and opened it up in ethereal. Guess what?

 220 serverXXXXXXXXXX ESMTP Postfix
 HELO 192.168.1.70
 250 serverXXXXXXXXXX
 MAIL FROM:<mjsavimbi2000 at yahoo.co.uk>
 250 Ok
 RCPT TO:<poXXXXXXXXXXries.com>
 250 Ok
 DATA
 354 End data with <CR><LF>.<CR><LF>
 Reply-To: "michelle savimbi" <mjsavimbi200From: "michelle savimbi"
 <mjsavimbi2000 at yaSubject: urgent response
 Date: Fri, 2 Apr 2004 10:48:20 +0100
 Organization:
 Mime-Version: 1.0
 Content-Type: multipart/alternative; boundX-Priority: 3 (Normal)
 X-MSMail-Priority: Normal
 X-Mailer: Microsoft Outlook Express 6.00.2X-MimeOLE: Produced by
 Microsoft MimeOLE V
 ------=_NextPart_000_0034_01C221EC.6C64F7BContent-Type: text/plain;
        charset="iso-8859-1"

Dear Sir,

I would like to introduce myself to you [....]

[I've noticed that some characters are missing. This seems to be due to
our server not being able to keep up]

And on it went. To lots of people. 1178 of them. By that time, two
Gardai had called in and wanted to wait until he had sent as many as
he was going to. They seemed fairly convinced at that point that our
friend was engaged in something less than honest. These weren't
computer specialists, but they walked up, knocked on the window of the
booth and introduced themselves.

He asks them what the problem is and is told to step away from the
computer. He doesn't seem too happy about this, but does so. He's
asked his name and is told that he might like to come down for a chat
in the local station. He says his wallet and ID are in the booth, so
he walks in, rips a USB memory stick from the side of his laptop,
tries to swallow it and makes a run for it. Detective number 1 grabs
and tries to cuff him, detective 2 starts to do the same. A struggle
ensues and goes on for a full 10 minutes, basically trying to pin him
on the floor and then getting his arms behind so he can be
handcuffed. Michelle agrees to co-operate on numerous occasions and
each time tries to run to the booth to destroy whatever is on that
machine.

Eventually, 2 more gardai arrive and he's cuffed and brought out,
crying like a little girl claiming police brutality (which is untrue,
they would probably never have even formally arrested him if he hadn't
attempted to run). Detective 1 was explaining to me how it's extremely
difficult to restrain someone without hurting them. They could have
had him subdued in about 10 seconds flat, but there have been
instances in the past where a few gardai in this country have caused
quite a bit of controversy with their liberal application of force. So
this eyewitness applauds the superb work done by these gardai in a
very difficult situation. 10 minutes of struggling with someone is
pretty tough work.

So he's carted off in a car back to the local station., where he'll
get a cozy cell. Myself and detective 1 take a look at the equipment
he had... A "mentor" network card (based on the cameo chipset), a
badly chewed (but fairly undamaged looking) USB memory stick and a
bulky laptop running Windows XP. Open on the screen is MS Word with
the exact text of our beloved email and some bulk email program (the
icon had a yellow background with a black @ symbol). His phone is
ringing in his coat constantly. One of his many guests from his
previous visit must want to talk to him.

At one point, 3 guys who would appear to be of similar ethnic
background want to come into the room where Michelle was working. They
are told we are closed due to a technical problem. They were friendly
and understood the situation and departed quickly enough.

Some guys from the computer crime unit turn up, 3 of them. We have a
good chat about what evidence I have on the guy. We look through my
tcp trace, they same happy enough with what's there. They ask if I
managed to sniff any other traffic, http and so forth. They're really
hoping that they can get his email password, so with appropriate
judicial permission (I assume) they can take a look at who has been
mailing him.  Yahoo are apparantly extremely uncooperative in this
area. He seemed to be using a mail.com address as well. Proof that he
is intending on scamming people out of money is what the gardai
need. I'm not sure if it's illegal to pretend to be someone you aren't
and offer a stranger money that you don't have. I'm guessing that with
the tcpdump I gave them, their technicians will be able to get
something out of it. I'm more interested in the contents of that USB
stick.

So anyway, that's my tale. Michelle has been charged with assault (he
tore off detective 1's wrist watch) and is claiming that he can't
speak any English. Given the potential scale of the scamming
operation, detective 1 reckoned that they'd probably end up handing
the evidence over to interpol or whoever works in Quantico (that's the
FBI, right?).

What have I learned? Firstly, digging up evidence on criminals is an
exciting activity. Secondly, if you're an absentee sysadmin for an
Internet cafe, transperantly proxy as much traffic as you can. The
logs will prove useful if you are trying to track an abuser's traffic
24 hours after they have left. I was lucky in this respect, I was
proxying smtp and http to postfix and squid. The added headers in the
mails makes things easier to track. Thirdly, there doesn't seem to be
sufficient clarity among those employed in law enforcement concerning
the legalities of spam. Hell, I don't know what the laws regarding
this sort of thing are. I just know it sucks. Finally, it's a bit out
there, but the gardai should forge closer links with the research
community Among us, we have a whole lot of knowledge of just about
every issue under the sun. We're mostly idealists, and those ideals
include a spam-free Internet. And heck, we're cheap!

Hope that provided some amusement. Forward it on to anyone who is
interested. Really. I want to see it on the front page of slashdot and
el reg within a week. And yes it really happened.

[TELECOM Digest Editor's Note: My thanks to House of Ireland for
making this available on the net.   PAT] 

------------------------------

Date: Mon, 05 Apr 2004 23:06:49 -0400
From: Jack Decker <notchur.biz>
Subject: Trouble With VOIP Sometimes Dropping Words


Pat, please conceal my e-mail address as usual.

At 03:38 PM 4/5/2004 -0400, editor@telecom-digest.org wrote:

> [TELECOM Digest Editor's Note: I have discovered one thing about my
> Vonage service which is a problem. Even though it usually does okay, I
> get the dropped words problem whenever I am trying to run too many
> jobs at once here. Left alone on the cable, Vonage seems to do very
> well. But usually I am running my weather station
> http://weatherforecast.n3.net or http://weatherforecast.us.tf and my
> computer room live camera http://patricktownson.us.tf most of the
> time. Both of these services take .jpg images and transfer them to my
> California web site using FTP (under their alias 'n3.net' and 'us.tf'
> names) every fifteen seconds or so.  Often times also I am using a
> secure form of telnet or rlogin to work on this Digest at MIT. 
> Whenever weather or the office cam decide it is time to do a transfer
> via FTP I can count on the words on Vonage getting lost. I can set my
> watch by it, every fifteen seconds or so. They are on other machines,
> (the Windows 98 and Windows 95 computers) but still using the same
> NetGear router and cable modem. I wish there was a way that Vonage
> could take priority and slow down or automatically stop the other
> jobs when it was talking. 

> I asked Mike Flood, general manager of Cable One here in Independence
> about this. His answer was I need a 'bigger pipe', which of course he
> said he could sell me. I now have what he termed 'half size'  (or some
> words like that) with 500 K  and he said I should get a 'full size
> pipe'. (More money of course). Does that make sense to anyone?  I
> guess the full size is twice the 500 K.    PAT]

Pat, if you have 500K upload speed that should be more than adequate,
since even G.711 (the highest bandwidth protocol) only uses about 90K.
The problem is that your other applications are managing to totally
saturate your outgoing bandwidth.  First check to see if there's any
way to throttle the software itself - some FTP software will let you
throttle uploads, but many other kinds of software don't have that
feature.

Beyond that, you may find some helpful ideas at these pages on
BroadbandReports.com:

http://www.broadbandreports.com/shownews/41603
http://www.broadbandreports.com/shownews/38267
http://www.broadbandreports.com/forum/remark,9751570~mode=flat

Somewhere in those three pages, or one of the pages linked from them,
you should be able to find a way to resolve your problem.

Jack

------------------------------

From: zbang@radix.net (Carl Zwanzig)
Subject: Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle
Date: Mon, 05 Apr 2004 23:26:34 -0000
Organization: RadixNet Internet Services


PAT asked:

> or $1.10 total) for the two bogus transactions. What I do not understand 
> is why an outfit like Walmart, as big as they are, does not process 
> their own Visa/MC paper, sending it directly to Visa/MC instead of
> going through a third party place like First Data Merchants? Isn't
> FDMC in this case a sort of 'bottom feeder' a lot like the 'operator
> service companies' who intercept what Bell is doing and get their own

Because Visa/MC are issued by individual banks, not by a single entity
like amex. Visa Int'l and MC are pretty much only licensing
organizations, they don't do any processsing. WallyWorld would have to
interface to every bank that has issued the cards. This is similar to
why banks send foreign checks to the federal reserve or another large
bank for clearing, instead of to each issueing bank.  (At one time,
the fed was contracting large regional banks to process checks for
them. Riggs in DC comes to mind.)

z!

------------------------------

From: Tony P. <kd1s@nospamplease.verizon.reallynospam.net>
Subject: Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle
Organization: ATCC
Date: Tue, 06 Apr 2004 05:27:45 GMT


> [TELECOM Digest Editor's Note: Whatever happened to the small merchant
> with a storefront who sells thing occassionally getting a credit card
> for payment where the person signs the little slip of paper and the
> merchant stores these slips of paper away in the event of a dispute
> and the (swiped) card transaction goes to Visa/MC for processing? A 
> larger store, such as Walmart for example would so something similar
> but on a much larger scale. Does *anyone* turn their charges into 
> Visa/MC directly these days?  PAT]

It used to be that the money wasn't actually transferred from your
card issuer to the merchant until the merchant had submitted the
signed charge slip.

Now everything moves at near light speed. And so you get triple dips
into your account. It's only going to get worse over time.

------------------------------

Date: Tue, 6 Apr 2004 11:47:13 +0100
From: Graeme Thomas <notchur.biz>
Subject: Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle


[ Pat: please remove my address from this is you send it to the digest.
It's OK to leave my name. ]

> [TELECOM Digest Editor's Note: Whatever happened to the small merchant
> with a storefront who sells thing occassionally getting a credit card
> for payment where the person signs the little slip of paper and the
> merchant stores these slips of paper away in the event of a dispute
> and the (swiped) card transaction goes to Visa/MC for processing? A 
> larger store, such as Walmart for example would so something similar
> but on a much larger scale. Does *anyone* turn their charges into 
> Visa/MC directly these days?  PAT]

Visa/MC try hard not to have any direct dealings with merchants.  They
may allow it occasionally, but I'm sure they charge a great deal for
the privilege.  The normal procedure (even for small merchants) is for
them to sign up to an acquiring institution -- often their local bank
-- for credit card services.  As John Levine remarked, often small
banks subcontract the work to specialist companies like First Data.

The card transaction from the swiped (or, these days, dipped) card is
routed first to the acquirer.  They then route it to the network
(Visa, etc), who ship it to the issuer (the card-holder's bank).

There are supposed to be protections in place from having batches of
transactions submitted multiple times.  It's hard, though, to find out
reliably if this is the case.  Fortunately it's relatively easy to
track down such things once they've happened, and reversing the
transactions themselves is easy.  Coping with the consequential damage
(such as PAT's $1.10 profit) is way harder.


Graeme Thomas

[TELECOM Digest Editor's Note: As of today, Tuesday afternoon, PayPal
has not yet seized their $1.10 back from my account.  PAT]

------------------------------

From: dold@WalmartXMi.usenet.us.com
Subject: Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle
Date: Tue, 6 Apr 2004 13:35:57 UTC
Organization: a2i network


dold@walmartxmi.usenet.us.com wrote:

> It was mentioned on the CBS Hourly News carried on KCBS-AM radio in San
> Francisco.  It mentioned the dates involved, the only store was WalMart,
> and that the corrections had been applied to people's accounts.

It made KTVU-Fox TV in Oakland.

------------------------------

From: hudsonl@skypoint.com (Hudson Leighton)
Subject: Re: Walmart Mix Up Balancing Credit Cards Causes Major Hassle
Date: Tue, 06 Apr 2004 09:17:14 -0500
Organization: MRRP


In article <telecom23.163.10@telecom-digest.org>, johnl@iecc.com (John R.
Levine) wrote:

>> What I do not understand is why an outfit like Walmart, as big as
>> they are, does not process their own Visa/MC paper, sending it
>> directly to Visa/MC instead of going through a third party place like
>> First Data Merchants? Isn't FDMC in this case a sort of 'bottom
>> feeder' a lot like the 'operator service companies'

Because Visa/MC do not process credit cards, they are just marketing
companies, the cards are issued by banks ( the meaning of "bank" is a
little hazy with credit cards), the merchant then contracts with a
"processor" which then bills the various "banks" and then deposits the
funds in the merchants bank account.

American Express and Discover are done a little differently, but the
end result is about the same.

-Hudson

http://www.skypoint.com/~hudsonl

[TELECOM Digest Editor's Note: I guess from what you are saying, that
VISA (formerly known as BankAmericard) is no longer a Bank of America
in San Francisco product, as it was back in the 1950's and 60's.  PAT] 

------------------------------

From: Wesrock@aol.com
Date: Tue, 6 Apr 2004 10:35:07 EDT
Subject: Re: Walmart Mixup Balancing Credit Cards Causes Hassle


editor@telecom-digest.org (Pat Townson) wrote in two separate messages:

> ... What I do not understand 
> is why an outfit like Walmart, as big as they are, does not process 
> their own Visa/MC paper, sending it directly to Visa/MC instead of
> going through a third party place like First Data Merchants? Isn't
> FDMC in this case a sort of 'bottom feeder' a lot like the 'operator
> service companies' who intercept what Bell is doing and get their own
> rake off at more expense to the end user (in this case, Walmart?) I
> had thought places like First Data Merchants were mostly intended for
> small people. For example, when I first checked into the idea of
> using credit cards here in the Digest, First Data said they would
> lease me a terminal, accept 'no signature, no swipe, no card
> presented' transactions, etc, for some monthly fee. It would have
> been ideal for me, but then PayPal came along and said they could do
> it better and at no charge to me. Why would Walmart need a company 
> like that to handle their credit card stuff?  PAT]

               - - - - -

> Whatever happened to the small merchant
> with a storefront who sells thing occassionally getting a credit card
> for payment where the person signs the little slip of paper and the
> merchant stores these slips of paper away in the event of a dispute
> and the (swiped) card transaction goes to Visa/MC for processing? A 
> larger store, such as Walmart for example would so something similar
> but on a much larger scale. Does *anyone* turn their charges into 
> Visa/MC directly these days?

      It was my understanding that there is no "Visa/MC" entity, in
the sense you are using the term, to send them to.  Visa and MC are
associations of financial institutuions which interchange their
transactions with one another.

     The transactions go to a processing and interchange agent, of
which First Data is the largest.  In turn the processing agent relays
them to the various banks that issue Visa and MasterCard.  (There was
a big flap a number of years ago when JCPenney wanted to enter their
transactions directly, as though they were a bank.)  As far as I know,
every Visa or MasterCard is issued by a bank or other financial
instittution which is a member of those associations, and the
transactions are interchanged between the association members, not
through a great "Visa/MC" in the sky.

      Perhaps others can contradict or expand on this, which is seems
to be on-topic as it intimately involves telecommuniciations and its
processing.  (It seems to me than in the time when all credit card
transactions were done on paper, the actual slips were sent between
banks, often represented by associations which handle the business
for their members.)  Wal-Mart and many other merchants now operate in
a totally paperless mode, and you sign on a pad which captures the
image of your signature electronically.


Wes Leatherock
wesrock@aol.com
wleathus@yahoo.com

[TELECOM Digest Editor's Note: At our Walmart Supercenter here, unless
they changed procedures lately, (I rarely ever go there, I hate the
place) if the plastic is used as a 'debit' card the clerk has you put
in your pin on a keypad. If the plastic is used as a 'credit' card
the clerk prints out a little receipt and has you sign it. If the
plastic just has a bank name on it, they usually assume it is a credit
card.   PAT]

------------------------------

From: johnl@iecc.com (John R. Levine)
Subject: Re: Cell Phones Exceed Land Lines in Maine
Date: 6 Apr 2004 15:09:14 -0400
Organization: I.E.C.C., Trumansburg NY USA


> Cell phone subscribers in the state now exceed the number of Verizon
> telephone lines running into Maine homes, according to spokesman
> Peter Reilly.

Verizon is not the only landline telco in Maine.  There are plenty of
independents.  I would be surprised if there were more cell phones
than landlines, since in large parts of rural Maine, your cell phone
just plain doesn't work.

------------------------------

From: Charles Cryderman <Charles.Cryderman@globalcrossing.com>
Subject: Apparent Hidden Advertisements in the Telecom Digest
Date: Tue, 6 Apr 2004 14:11:04 -0400 


In TELECOM Digest V23 #163 Phil Earnhardt wrote:

> You've told us in the past that the TELECOM Digest follows the funding
> model of PBS or NPR stations where they have periodic "pledge breaks".  I
> would be outraged if these broadcasters started sprinkling hidden
> advertisements in their normal programming. I fondly hope that you will
> maintain the same integrity with the TELECOM Digest.

I don't know about you but this past Saturday morning I was watching
"New Yankee Workshop" and right after it was over there were 5 minutes
of commercials for things like "Stanley Tools" and "Home Depot". They
were no just mentioning them for their support but were full fledged
advertisements a good two minutes each.

So Pat, take heart, you are not going that far and I see no reason for
you not to add your comments after these items. Remember folks, we
should be grateful to have someone with as much experience as Pat
working this Digest for us. I will never understand the way we
Americans treat the elderly. They get old and we throw them away,
forgetting all the knowledge they can impart to us young whipper-
snappers.

Thanks for the job you do Pat.

Chip Cryderman

[TELECOM Digest Editor's Note: Thank you for your kind words. I *do*
try to be mindful of the 'old Usenet customs' (and some customs I
invented on my own) here when it is practical, but things around here
have changed **so much** over the past twenty years or so. I still do
not like putting in the pitch (or 'pledge' messages) now and then, but
I do what I have to do in order to survive. When I first saw the
original message from p.a.e. here (first time I read it was when I
was editing it) I thought I was going to be accused of implanting
spy cookies or pop-up ads or selling the mailing list secretly (all
of which I have been approached to do at one time or another). PAT] 

------------------------------

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