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Vekeman
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Posted - 2003.09.17 15:11:00 -
[1]
I dont know if this was proposed before or if its something that was already planned but here is my suggestion...
What would relly make me play the character i want to play is if being a banker was possible. Some people would say yes its already possible... But here is my sugestion.
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1) Renting bank offices in station
2) build a program that looks like the "join corporation", but actually a ?ask loan? option. Or give that option under ?join corp? option.
3) A players can ask an other players or corp with bank capacity for a loan of ?X isk? at a rate of ?Y%? for ?1 day, 2, 5 one week...? and ?security hit?* You click ask and hop the corp or player get a message like when some one wants to join corp.
* Security hit i guess it can go from 0.01 to 1, and i think its important, in real life if i dont pay my loan, im a bad person, im not trust worthy. So if i dont pay the loan i loose that security hit for every x amount of time i wait before i pay.
4) The corp or player with bank capacity click ?view? on the proposal, he can see info of player asking for loan (security and all), make a counter offer : ?X isk?, ?Y%?, ?time? and ?Security Hit?. He click offer..
5) Player who wants loan acceptes or not. If he acceptes, pouff cash is in his acount and a bill is sent to him with the new amount (loan + interest)
I think with this systhem its really cool, i can take the risk to give a loan to a M.0.O player with -9.99 with a bounty on his head, or to some newby with 0.0 security if i want, but it will be more usefull with others. Some bankers can offer higher rates but with lower risk of security hits, others can offer lower rates but they want to be sure you pay so higher security hits, etc...
Any body thinks this is a stupid idea? Hope this is a programmable option and acceptable one...
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Spoadfeld
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Posted - 2003.09.17 22:16:00 -
[2]
I was thinking along these lines a few months back - but without the in-game coding.
I never did anything because the only way to avoid getting ripped off would be to hunt people down repo-man style, which would be probably too costly/difficult in practice - so the sec hit idea is a good one.
You'd need to allow people to deposit money as well for it to work properly - and they should expect to gain interest too.
This in turn would mean that banks would have to have a security status - who wants to put money into a newly created bank that offers 50% interest if the CEO is just going to pocket the money and run?
The only problem of course would be the possible alt exploitation - but perhaps linking finance related sec hits to alt characters could deal with that?
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Polito
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Posted - 2003.09.17 22:56:00 -
[3]
Consider the following scenarios:
1. I take out a loan for 100 million, buy a battleship from a friend. Then I give the battleship to my alt, and terminate the character.
2. I take out a loan for 100 million, buy a battleship from a friend. But since my skills suck, I lose the battleship in a fight 5 minutes later.
3. I take out a loan for 100 million, then use it to buy 1 isk from a friend. Then I terminate the character, create a new one and my friend gives me back my 100 million.
The game can not possibly detect which of these scenarios are exploits and which aren't.
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Harisdrop
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Posted - 2003.09.18 17:45:00 -
[4]
Polito;
Have loans tied into your logon name. Like skills are.
Have Banks that could buy insurance based on defaulted loans.
Make loans secured: to get a loan you get property.
It would be based on a Bank to charter its own way to make loans.
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Garsh ma it soo cool killing people in there space thingies |
Vekeman
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Posted - 2003.09.20 20:03:00 -
[5]
Well Polito,
As you have pointed out there is lots of possibilities of exploit, but hey if im a banker i would not give a loan to a 0.0 char, on the other hand some one with a 3.4 security will probably not just kill his char for a loan.
As for a 100million loans i guess its a risk youmus take, i would no give such a loan...
I think that the idea of giving a security rating to corp is good, and a insurances for not paied loans to
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Goldar Hektu
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Posted - 2003.10.05 00:18:00 -
[6]
I don't think that's an appropriate use for Concord and security ratings. Concord won't even protect an npc convoy. I don't think they should deal with loans.
Some other sort of credit rating would be nice. But I really think this is an issue for players to address, rather than Concord.
Your 150mm Railgun II perfectly strikes Serpentis Drug Baron, wrecking for 192.8 damage. |
Bobith
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Posted - 2003.10.07 15:56:00 -
[7]
Only think i want like bank is a storage ablilit of isk.
I want to set an automadic deposit % on my self so every bit of money i get a % is deposited into another account so i can have a saveings that will slowly grao and id forget about later on look in see a few extra mil you saved up.
For example killing 20k rats have you auto deposit set at 5% thats 1000 isk if you a regular pirate hunter say you make 3mil on you last hunting trip. 150k is in you bank over a month or 2 you would have alot and not relise it.
i rambled on
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