wa371@sdcc12.UUCP (Senior Gnome) (12/04/85)
Some banks, like Citybank (800-248-4472), and Chase Manhattan (800-522-7766) offer banking by computer and modem. But they require the use of an IBM or similar personal computer. Apparently they use a third level of security where a floppy disc, which they supply, is read from and/or written to. Has anyone figured out the details? How can I use UNIX, with tip(1) perhaps, and make it look like a p.c. to the bank's computer? Thanks. Bernd <bear-nd> *** hooray for USENET *** UUCP: ...!ucbvax!sdcsvax!sdcc12!wa371, ARPA: sdcsvax!sdcc12!wa371@nosc voice: (619)292-4451
ralphw@ius2.cs.cmu.edu (Ralph Hyre) (12/06/85)
In article <488@sdcc12.UUCP> wa371@sdcc12.UUCP (Senior Gnome) writes: >Some banks, like Citybank (800-248-4472), and Chase Manhattan >(800-522-7766) offer banking by computer and modem... >... How can I use UNIX, with tip(1) >perhaps, and make it look like a p.c. to the bank's computer? >Thanks. Or better yet, make your UNIX system look like the bank's computer to the p.c. ;-)
zemon@fritz.UUCP (Art Zemon) (12/06/85)
In article <488@sdcc12.UUCP> wa371@sdcc12.UUCP (Senior Gnome) writes: >Some banks, like Citybank (800-248-4472), and Chase Manhattan >(800-522-7766) offer banking by computer and modem. Just a brief comment. I phoned both banks and got some preliminary information verbally. The basic services are pretty similar -- bank by wire, toll-free phone access, etc. The differences were quite startling in a "competitive" market. Citibank charges $10 per month + $0.25 per check. The per check fee will be waived if the total minimum balance in all of your Citibank accounts is $1000. The checking account is not interest bearing. Chase Manhattan charges $5.00 per month with no per check fee. You have your option of either a standard checking account or a couple of NOW (interest bearing) accounts. -- -- Art Zemon FileNet Corp. ...! {decvax, ihnp4, ucbvax} !trwrb!felix!zemon
ksb@houxs.UUCP (K.BANDES) (12/06/85)
------------ Chase Manhattan's home banking system, Spectrum, not only requires the diskette to be in the drive, but also uses a proprietary protocol. You can't use it on UNIX. You can use it in an Apple II or a Commodore 64, as well as in IBM PCs and clones. I think it's really good, but then again, I wrote a lot of it (my previous contract was at Chase). I'm sure the guys working on it would love to port it to UNIX, so maybe if enough of you UNIX/PC owners write to them, the Chase marketing folks would decide to support it. Ken Bandes (on contract at) AT&T IS ...ihnp4!houxs!ksb Disclaimer: Spectrum is probably a trade- or service mark of Chase Manhattan Bank, although it is also a car, a radar detector, a magazine, a phenomenon of nature, etc. I had (but no longer have) a very strong connection with Spectrum and Chase, but I don't speak for them and never did. I still have friends there, though.
craig@pyuxv.UUCP (12/11/85)
>Chase Manhattan's home banking system, Spectrum, not only requires >the diskette to be in the drive, but also uses a proprietary protocol. When I applied for Spectrum (SM) access, Chase Manhattan denied the application because the software wasn't compatible with my AT&T 4000 modem. What a shock. I was under the impression that AT&T played some historical role in the development of modems. It was very disappointing to learn that my splendid little modem was a dud to the Chase Home Banking and Information System. :-( -- -~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~- ..!ihnp4!pyuxv!craig (RB Craig @ Bell Communications Research) Piscataway, NJ 08854-1300 Technology... wouldn't it cork your bobber?
ksb@houxs.UUCP (K.BANDES) (12/12/85)
>When I applied for Spectrum (SM) access, Chase Manhattan denied the >application because the software wasn't compatible with my AT&T 4000 >modem. What a shock. I was under the impression that AT&T played some >historical role in the development of modems. I don't know that recognition of anyone's historical role was an important motivation in the development of Spectrum. The 4000 did not exist when the Spectrum software was developed. Furthermore, it is not Hayes compatible. The Spectrum software uses the Hayes dialing commands. The issue is not whether the 4000 is a splendid device (Spectrum supports the Commodore 64, which no-one would call splendid), but whether it makes market sense for Chase to write a special version to support it. Ken Bandes @ AT&T IS ihnp4!houxs!ksb DISCLAIMER: I speak for myself. I'm just a consultant, anyway.
craig@pyuxv.UUCP (12/14/85)
>>When I applied for Spectrum (SM) access, Chase Manhattan denied the >>application because the software wasn't compatible with my AT&T 4000 >>modem. What a shock. I was under the impression that AT&T played some >>historical role in the development of modems. > >I don't know that recognition of anyone's historical role was an important >motivation in the development of Spectrum. > >The 4000 did not exist when the Spectrum software was developed. Furthermore, >it is not Hayes compatible. What is so precious about Hayes compatibility... Who elected them the 'IBM' of modems in the world at large! > ..........The Spectrum software uses the >Hayes dialing commands. The issue is not whether the 4000 is a splendid >device, ...but whether it makes market sense for Chase to write a >special version to support it. The real issue: Why would Chase develop a system that was restrictive as to modem protocal? Dozens of good software developers have produced communications packages that allow flexibility in modem access. Products like Crosstalk-XVI, SofTerm, ASCII Express, and many others make no stipulation about modems. These products don't care how modems are labeled or what hieroglyphics are contained in their command set. (Most products even support dumb modems.) Speaking of dumb; market sense would seem to dictate that the broadest possible base of hardware configurations be accomodated by any software product. That the Chase Spectrum developers chose otherwise is ____. (fill in blank ^^^^) -- -~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~-~- ..!ihnp4!pyuxv!craig (RB Craig @ Bell Communications Research) Piscataway, NJ 08854-1300 Technology... wouldn't it cork your bobber?
gnu@l5.uucp (John Gilmore) (12/15/85)
In article <165@pyuxv.UUCP>, craig@pyuxv.UUCP writes: > >> What a shock. I was under the impression that AT&T played some > >>historical role in the development of modems. > > > >I don't know that recognition of anyone's historical role was an important > >motivation in the development of Spectrum. > > > >The 4000 did not exist when the Spectrum software was developed. Furthermore > >it is not Hayes compatible. > > What is so precious about Hayes compatibility... > Who elected them the 'IBM' of modems in the world at large! I know it's rough for you AT&T guys to realize that you don't set the standards any more, but "the market" (not the one this newsgroup is for -- no flames please) elected Hayes. They put out a good product that ran rings around the AT&T modems (dialer? that takes a separate box, with a separate interface, and odd software support.) While they might not have invented dial-over-the-RS232-link, they recognized it as a great idea, which AT&T is only now doing (in response). Flames by mail please, *no further followups to net.invest*. I'm at ihnp4!l5!gnu. It does sound odd that these banks would make something you can't call up from a dumb terminal. Maybe they think it will keep the hackers out. It certainly keeps me out, though I don't see much use in paying $5/mo when postage is only 22c.