Yesterday dawned bright and hot, but with the promise of good times. I had scheduled a trip North to meet the Analog Kid, and look at, maybe buy a rifle of his, and spend quality time in Cabela's.
I called for the portcullis and drawbridge, and crossed the moat, departing the Schloss Rivrdog on time, and stopped at a nearby 7-11 for a coffee and cash to go. Their cash machine is owned by Western Union, and is actually more of a money-transfer setup, where you can pay bills and send $$$ all over the world (benefits the "Immigrants", don't you know). Citibank manages the cashflow out of the machines, but my Credit Union has an agreement with Western Union/Citibank to let me use the machines 5 times a month for free.
I have a withdrawal limit on my cash (ATM) card of $600. So, I punch in half of that, and after a bit, a "exceeded your allowance" message pops up on the screen. Hmmmm. I hadn't made a transaction since the day before, and that was local also, and only $32.25 for a half-tank of fuel. But, I put it down to a glitch in the Western Union machine, which I had experienced before, BTW, and I happily paid for my java and hit the freeway, intending to get cash at some other ATM before dealing $$$ for the rifle.
About 30 minutes north of town on the Interstate, and after some strange thought exchanges (such as recording 4 new verses to "Barack the Magic Negro" (Rush Limbaugh's little ditty) on my PDA, I suddenly realized that I hadn't done an intended task, that of putting a couple of gallons of Premium fuel in my Mazda B2500 (I've heard that doing that tricks the fuel-quality sensor in the ECM, resetting the engine to give better fuel mileage). I glanced up, and Woodland, WA was coming up, and I saw a Chevron sign, so I got off the highway and topped up with a couple of gallons of Chevron Premium. As I was driving the frontage road to get back on the freeway, I spied a Fiber Federal credit union branch with a drive-up ATM. It should be a free ATM on the Credit Union Network, I thinks to myself, and I pull in there to get cash.
I get the same result as back at Western Union!. Now, my checking account had almost two grand in it (according to my Credit Union's website rendering of my account, AND my checkbook reconciliation), and my ATM-accessible savings account over a grand. Something's not right, thinks I, and I get worried, real worried that an attack on my financial holdings is in progress or has already taken place.
I call the Analog Kid and express my regrets, and tell him I must return home to deal with the crisis. He understands.
I work myself into a fair lather, mentally, while driving back south toward Portland, so I get off I-5 at Vancouver and head for my daughter's house, where there is Internet and quiet to make phone calls. The Internet reveals nothing more amiss with my account, except that the Western Union attempt is on as a withdrawal and subsequent re-deposit of the same amount, which seems strange, since I never completed the transaction, and the Fiber Federal attempted transaction doesn't even show up (and hasn't to this point, 24 hours later!).
At my daughter's place, I call some folks I know for help, lining up one major-bank IT Security wallah (a nephew) and one Credit Union executive (not my Credit Union, though) for advice. The first piece of advice I get is to try to get the status of my ATM account, which has a VISA number on it, from VISA. I call their report-a-lost card number, and they tell me I can't get info, only report a lost or stolen card, but they transfer me to another number where I CAN get info. There's a robot on the line, but it is fairly smart, and I identify myself satisfactorily to it, and give it my number. It says I entered the number wrong. That's certainly a possibility, so I do it again, this time being VERY careful to enter correctly AND check all the 16 digits before entering the last digit. I get the same message that my number is incorrect. I disconnect and look at the phone log, which shows that I put the correct ATM card number into the phone BOTH times.
So, some server, probably NOT at my credit union, has crumped it's data base, or at the least, crumped my file in it's data base, and ATM connectivity to my money is lost.
Which finally brings me to the point of this longish tale of woe.
Financial data transfer is largely unregulated, with those gummint bodies who might regulate it staying out of it for the most part. So, the data transfer business is basically the domain of freebooters (aka Pirates, aka Banks), who do things the way they want to, not the ways it might make sense to do it, and definitely not according to standardized methods with standardized recovery systems in place to mitigate data loss system-wide and promote quick recovery.
This must change. With our entire lives, fortunes and identities bound up by how data relating to them is transferred, it isn't enough to do it right MOST of the time. It has to be done right EVERY SINGLE time, and if there is a failure, the users must have full information on the nature of the crash, to include identification of the servers involved, so that the USER may make independent attempts to get corrective action if the system does not self-correct. IT departments involved in off-premise data transfer MUST be accessible to input from users, and not just their own people or other IT wonks.
As it stands, the identity and/or location of servers, or even their fact of existence, is a proprietary secret held only by those who transmit this financial data. Since the data they are transmitting is a legal extension of our property (money), we ARE involved in the transaction, and have a RIGHT to know the paths of the data stream, because, by extension, the data stream is part ours.
The fact that no one can even tell me, the end user, how the data stream works in it's total scope, is very telling. Our data transmission industry is completely out of control, and it is not beyond the range of reality to assume that terrorists know this, and are, even now, trying to subvert that stream to crash our entire economy, or at least damage it. Keeping the system secret from users does not keep the terrorists out. All it does is keep me, a denied user, from finding out who exactly to point my finger of blame at, so I point it at the whole system.
Maybe Barack the Wizard of Magik and Make-Believe will propose a Data User's Bill of Rights after he's elected.
Maybe pigs will finally fly, too.