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Ray McCormack
hirr
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Posted - 2008.01.25 18:21:00 -
[61]
The benefit of an EBank shared account becomes apparent when you consider that account sharing is both against the EULA and insecure. The merits of having a shared pool of resources without the risk associated with handing out your EVE login is bountiful. Add to that the fact you can manage the amount shared, and those who have access to it through a web interface, and suddenly this seemingly mediocre toy becomes an increasingly useful asset.
Stick that in your write-up and smoke it.
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Hexxx
Minmatar
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Posted - 2008.01.25 18:26:00 -
[62]
 Originally by: Ray McCormack
The benefit of an EBank shared account becomes apparent when you consider that account sharing is both against the EULA and insecure. The merits of having a shared pool of resources without the risk associated with handing out your EVE login is bountiful. Add to that the fact you can manage the amount shared, and those who have access to it through a web interface, and suddenly this seemingly mediocre toy becomes an increasingly useful asset.
Stick that in your write-up and smoke it.
Wow...you make a good EBANK salesperson. =)
Consulting, IPO Template, and Stock/Bond definitions.
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Dreysine
Paratheoanametamystichood
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Posted - 2008.01.25 19:17:00 -
[63]
the only value added by shared accounts in the current incarnation is the ability to have shared resources between alts/players that are not in the same corp. while not entirely value-less, i dont see it as a major incentive until some kind of approval process is implemented to allow account co-holders to keep eachother in check.
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Trilori
Caldari
GearBox Fleet Svcs
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Posted - 2008.01.25 19:19:00 -
[64]
Originally by: Shadarle
Originally by: Dal Thrax
Any chance you can set up an account type that requires two "signatures" to withdraw and perhaps will send everybody on the account a mail and implement a 12 hour delay if somebody tries to withdraw more then 20% of the total account value within 24 hours.
Dal Thrax
CEO Multiverse Corporation
This is a brilliant idea, the signatures part. I'd probable never use it... but I can see others using it. I can also see it being useful for some IPO's in the future. It would allow E-Bank to be used as a place to store IPO money which is controlled by a respected member of the community and that person can allow the person running the IPO access to funds once they've discussed what it is needed for, etc. Similar to the way Shar and Benvie work on RDIR.
Isn't this sortof somewhat kindof available with shared accounts? For example say I give out a private loan, I can setup a shared account for me and that borrower, they would have deposit rights etc.
As such for IPOs possibly, as you can setup withdraw/deposit and owner roles as well those are all options available for IPOs possibly.
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Ray McCormack
hirr
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Posted - 2008.01.25 19:21:00 -
[65]
Originally by: Dreysine
the only value added by shared accounts in the current incarnation is the ability to have shared resources between alts/players that are not in the same corp. while not entirely value-less, i dont see it as a major incentive until some kind of approval process is implemented to allow account co-holders to keep eachother in check.
The only feasible solution would be to have a master account-holder, and possibly to set withdrawal limits per character. There are no other measures besides that.
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Hexxx
Minmatar
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Posted - 2008.01.25 19:25:00 -
[66]
Originally by: Dreysine
the only value added by shared accounts in the current incarnation is the ability to have shared resources between alts/players that are not in the same corp. while not entirely value-less, i dont see it as a major incentive until some kind of approval process is implemented to allow account co-holders to keep eachother in check.
As an ex-CEO, I find value in having a Corp account that only a few people can access; which frees me to make people Directors without exposing all of my Corp assets (cash) to the risks associated with that.
Consulting, IPO Template, and Stock/Bond definitions.
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Dreysine
Paratheoanametamystichood
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Posted - 2008.01.25 19:36:00 -
[67]
Originally by: Hexxx
As an ex-CEO, I find value in having a Corp account that only a few people can access; which frees me to make people Directors without exposing all of my Corp assets (cash) to the risks associated with that.
isnt that exactly what wallet divisions and ingame roles are for?
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Ray McCormack
hirr
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Posted - 2008.01.25 19:41:00 -
[68]
Originally by: Dreysine
isnt that exactly what wallet divisions and ingame roles are for?
And now you have an 8th corp wallet with a simpler control structure.
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Kwint Sommer
Incoherent Inc
Otaku Invasion
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Posted - 2008.01.25 20:05:00 -
[69]
Originally by: Ray McCormack
Originally by: Dreysine
isnt that exactly what wallet divisions and ingame roles are for?
And now you have an 8th corp wallet with a simpler control structure.
Yes but it comes with a 1% transfer fee. My issue is that as my corp is currently small I'm fine using the in-game wallet, as I get bigger I can see locking for alternatives but a big corp has lots of transfers and I already do ~25B a month in trading so when you scale that up, tack on a 1% fee several times a month and assume I use that wallet for a decent chunk of my transactions and I would be paying a billion a month in transfer fees...
I just don't see what I can do with this account that I can't do with a properly setup corporate wallet and if I started using it heavily it would *****my bottom line. Further, I can setup a ton of corporate wallets thanks to alts. I just establish a corporation run by my alt and composed entirely of my coworkers alts and use the corp purely for its wallets. It wouldn't take any longer to log into an alt, transfer the ISK to a main and log back into the main than it would to transfer ISK through Ebank and it wouldn't cost me not-so-trivial 1% each time I do it.
5% Mining & Manufacturing Implants |
Kwint Sommer
Incoherent Inc
Otaku Invasion
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Posted - 2008.01.25 20:09:00 -
[70]
Originally by: Ray McCormack
Originally by: Dreysine
isnt that exactly what wallet divisions and ingame roles are for?
And now you have an 8th corp wallet with a simpler control structure.
Yes but it comes with a 1% transfer fee. My issue is that as my corp is currently small I'm fine using the in-game wallet, as I get bigger I can see locking for alternatives but a big corp has lots of transfers and I already do ~25B a month in trading so when you scale that up, tack on a 1% fee several times a month and assume I use that wallet for a decent chunk of my transactions and I would be paying a billion a month in transfer fees...
I just don't see what I can do with this account that I can't do with a properly setup corporate wallet and if I started using it heavily it would *sexually abuse* my bottom line. Further, I can setup a ton of corporate wallets thanks to alts. I just establish a corporation run by my alt and composed entirely of my coworkers alts and use the corp purely for its wallets. It wouldn't take any longer to log into an alt, transfer the ISK to a main and log back into the main than it would to transfer ISK through Ebank and it wouldn't cost me not-so-trivial 1% each time I do it.
EDIT: apparently r@pe is filtered
5% Mining & Manufacturing Implants |
I337
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Posted - 2008.01.25 20:55:00 -
[71]
Wow its taken Mr. Horizontal this long to deveolop the website / database as far as it is now...?
If he worked for me I would have fired him already.
http://www.NewUniverseExchange.com |
Kwint Sommer
Incoherent Inc
Otaku Invasion
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Posted - 2008.01.25 21:05:00 -
[72]
Originally by: I337
Wow its taken Mr. Horizontal this long to deveolop the website / database as far as it is now...?
If he worked for me I would have fired him already.
Ufl is back!
Where have you been man? MD just hasn't been the same without your trolling and alt spamfests....
5% Mining & Manufacturing Implants |
Minerva Vulcan
Caldari
The Nexus Foundation
Endless Horizon
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Posted - 2008.01.25 21:59:00 -
[73]
Originally by: I337
Wow its taken Mr. Horizontal this long to deveolop the website / database as far as it is now...?
If he worked for me I would have fired him already.
I know it's not html basic like your Failsites, but we live with it.
_______________________________
I need new voices in my head,
To speak my secret evils with.
I need new lovers in my bed,
To be my friends and special pets. |
Shar Tegral
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Posted - 2008.01.25 22:31:00 -
[74]
Originally by: I337
Wow its taken Mr. Horizontal this long to deveolop the website / database as far as it is now...? If he worked for me I would have fired him already.
Well it took 5 - 6 years or so for CCP to finally put that there "report post" link beside every post too. But I'm glad it's there now. |
Balogh
Gallente
Real-time EVE Stock Exchange
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Posted - 2008.01.26 00:40:00 -
[75]
Originally by: I337
Wow its taken Mr. Horizontal this long to deveolop the website / database as far as it is now...?
If he worked for me I would have fired him already.
Why would he work for you in the first place?
_________
Real-time EVE Stock Exchange, Blog
Feature request: Share transfer log (4 months and counting!) |
Brisco Smiley
Peppermint Bay Trading Company
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Posted - 2008.01.26 01:04:00 -
[76]
Originally by: Kwint Sommer
Ufl is back!
But now where is Taikun?
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Karanth
Gallente
Eve's Brothers of Destiny
Free Trade Zone.
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Posted - 2008.01.26 01:54:00 -
[77]
I'm no investor in E-bank, but I do have an account with money in it. I have yet to see anything that makes me disagree with the management skills of the board, and right now, I am considering getting a restraining order; invading my mind and implementing all of the things I want can't be legal. 
All that's left...
There is only one sig hijack that matters, the orginal and only member of the hijack squad. me. -Eris. ps Black russians are better then beer.
Well, there's not many of *us* left! -Rauth
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Dal Thrax
Multiverse Corporation
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Posted - 2008.01.26 03:19:00 -
[78]
Originally by: Dreysine
Originally by: Hexxx
As an ex-CEO, I find value in having a Corp account that only a few people can access; which frees me to make people Directors without exposing all of my Corp assets (cash) to the risks associated with that.
isnt that exactly what wallet divisions and ingame roles are for?
Your directors always have access to all of your wallet divisions.
Dal Thrax
CEO Multiverse Corporation
Sig? I don't need no stinking sig... |
Dal Thrax
Multiverse Corporation
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Posted - 2008.01.26 04:34:00 -
[79]
Well reading this thread I have a couple concerns about E-Bank
1) Is Ray McCormack associated with the bank?
2) As somebody who has worked in the financial sector in the past I'm a bit concerned that nobody at e-bank is familiar with the practice of requiring two signatures on a transaction. (Most RL business checking accounts require two signatures as a security precaution and a certified check from a bank always requires two bank officials to sign).
3) I am worried about EBANK accounts being used to purchase out of game items. How do I know this won't turn into the next EGOLD?
4) I see that two EBANK accounts can transfer isk for each other. What precautions do you have in place to keep this featuring from being used for RMT?
5) I think you're making a mistake not going after the corporate market. Most corps probably have at least one account that gets drawn down over time then gets a sudden infusion of cash (for example buying minerals from miners then liquidating them in some form). It would be nice if we could make interest on these "ready funds" during the draw down process.
Some kind of billing front end so that members can buy and sell things to the corp (generating an invoice to be approved by the appropriate director) would be great but I get the feeling you're heading that way anyway. (Actually we might be able to program some of this internally but EBANK would probably need to provide the basic tools as well as host the final "approve bill" screen.)
Dal
Sig? I don't need no stinking sig... |
EBANK Ricdic
Eve-Tech Savings n Loans
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Posted - 2008.01.26 04:47:00 -
[80]
Originally by: Dal Thrax
1) Is Ray McCormack associated with the bank?
Not at all. Other than being a mate in-game that's pretty much it. He does run BMBE (a competing financial service) but other than that I think his input is only for bettering the community like most of the guys around.
Quote:
2) As somebody who has worked in the financial sector in the past I'm a bit concerned that nobody at e-bank is familiar with the practice of requiring two signatures on a transaction. (Most RL business checking accounts require two signatures as a security precaution and a certified check from a bank always requires two bank officials to sign).
I am sure everyone is familiar with it. I believe it wasn't initially implemented due to devs (our devs) expected lack of uptake on the feature. But we are definetly interested to see just how beneficial such services would be and I personally think it's a fantastic idea. If enough people show support for a shared account that can be limited to require multiple signatories you will see our coders implement it.
Quote:
3) I am worried about EBANK accounts being used to purchase out of game items. How do I know this won't turn into the next EGOLD?
Well the way EBANK is structured, something like this would need to involve a good portion of the EBANK staff in order to succeeed. Obviously with any eve business there's every risk of a person scamming. But with EBANK it would need a handful of trusted people to do this scam or be a part of it, which in my opinion either far increases the isk requirements or runs the risk of one of the members shouting foul. Really if I quietly approach Shar Tegral and tell him I will split 50b with him for a scam he will either agree or disagree. The second I say that to him if he disagrees then he wouldn't hesitate to yell it out loud. Personally I think the combined reputation of all the EBANK board combined is worth far in excess of 1 trillion isk (that amount is one I personally don't ever want in my complete possession as I don't even want the temptation there). I chose a board of directors because of this specific reason, I didn't want to ever reach that point where temptation was too strong.
Quote:
4) I see that two EBANK accounts can transfer isk for each other. What precautions do you have in place to keep this featuring from being used for RMT?
We can't really comment on this but we have been communicating and co-operating with CCP on the matter and won't tolerate RMT being actioned through EBANK. We are cooperating 100% with CCP on the matter. That's all I can say 
Quote:
5) I think you're making a mistake not going after the corporate market. Most corps probably have at least one account that gets drawn down over time then gets a sudden infusion of cash (for example buying minerals from miners then liquidating them in some form). It would be nice if we could make interest on these "ready funds" during the draw down process.
Lets get the corporate structure in place before we add to it.
Quote:
Some kind of billing front end so that members can buy and sell things to the corp (generating an invoice to be approved by the appropriate director) would be great but I get the feeling you're heading that way anyway. (Actually we might be able to program some of this internally but EBANK would probably need to provide the basic tools as well as host the final "approve bill" screen.)
No comment 
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