I was discussing looking into reinventing the 'umbrella' making it something less clunky, more compact, and certainly something lighter (maybe a string type of mechanism)?
I hate that I cannot lock/unlock my credit card (online wire transfers, checks or other payment methods) at will, with a simple click of my mouse.
I'd really like being able to choose when my credit card can be used, maybe using rules like: "only on weekends, between 11am and 7pm. never online.". Then if these rules are not met, no payment should be authorized. Alternatively, I should be able to have more lax rules like: (all the above) "And only with automatic phone confirmation on weekdays between 12pm and 2pm". Then if I needed to pay for lunch, I could do so with my credit card, but authorization would be granted only after I got an automatic call with a recording asking me to confirm payment and maybe enter a pin number.
What about if we could reverse the way credit cards work, so instead of a company taking money from me I give the money to them; instead of supplying them my cc number, they supply me with their credentials and I transfer the money and then they verify the transaction has taken place.
I'm not sure about US or European banking, but in Australia we have three methods that work like this - BPay, direct deposit and cash/cheque. BPay is a company that sits in the middle and is, I gather, not financially viable for smaller companies, a direct deposit can take days to appear, and cash is not that great for online transactions.
You described a corporate purchasing card. Purchasing cards are designed to let you manage on-the-fly all kinds of spending parameters e.g. "no hotels in zip code 10001 Friday through Sunday." You'll pay more for these programs of course.
Here's an idea: a card with a magnetic strip on each of its 4 (or 6 or 8) edges. Now instead of carrying multiple cards you carry just one. If you use both sides of the card, you could fit 16 mag strips on an octagonal card.
Thanks for the info. I think "purchasing cards" should be for everybody, not only for large companies. And the concept could be applied for checks, money wires, debit cards, paypal, etc.
Here in my country, banks make a large profit out of fraud, albeit indirectly. They offer fraud insurance. They purchase the insurance from someone else for about USD 1/month, and sell it to you for USD 6/month. Of course most people never get to claim anything. Each time there's anything related to credit card fraud on the news, banks get more people buying their insurance (here banks are the only credit card-issuing institutions). If banks offered a cheaper/free way to reduce or eliminate fraud, they would also kill their insurance business.
About the multiple strips cards:
In Japan they're already using NFC cards with internal chips that can store several different cards information. The info is encrypted so that only certain authorized card readers may read corresponding card info. Checkout: http://www.sony.net/Products/felica/http://en.wikipedia.org/wiki/FeliCa
why a magstripe, just a simple chip and a confirmation dialog on the reader would do the same trick. Set one card as the default for old style equipment and you're backwards compatible.
This is a great idea. I wonder if there's a way to do this through your own offered credit/debit card, instead of having to work with the likes of visa, large banks, or payment processors.
Addresses. They should work just like cell phone numbers, if I get a new cell phone the old number still works. I should similarly have an address "number" (which is mapped to a physical location by the post office). That way, when I move, I don't need to contact every magazine I subscribe to, every friend I have, every bill I pay, EVERYONE. People could continue sending their mail to my "number" and it would still get to my new place.
This is very similar to emailing someone the password to their email account.
Fine, lets say your address is constant no matter where you move... then how does the post office know where you are? You'd need... yup, a secondary Address.
Addresses would still exist, you'd just have a consistent 'alias' for yours.
And sure, the post office could update your new 'address' when you move. But they already have that service. It is called a change of address form.
Yes, as I clearly stated in my original post, the post office holds the mapping of "address numbers" to actual "addresses". (The same way that even addresses can be considered mappings to GPS locations). The key difference is that you now only have to update your address in one place (this official mapping). This is not how change of address forms work today. The post office will only forward your mail for one year, which means I still have to inform every single person that has my address that my address has changed, which is really silly in my opinion (like having to give everyone a new email address every time I purchased a new computer). The system I'm proposing is exactly equivalent to phone numbers, in that you don't care about calling a location, you care about calling a person.
You know those moving walkways (Trav O lators?) that they have in airports to speed up travelers?
I'd place those everywhere.
Want to go to the grocery store? Walk there in 5 minutes.
Living in LA and need to visit SF for the weekend? Get off your ass and walk there.
The thing that bugs me most about cars, in addition to wasting gas, is that they're isolating devices. They prevent me from admiring scenery, meeting interesting people, and walking more often.
(This idea is more a revolution than a reinvention.)
Living in LA and need to visit SF for the weekend? Get off your ass and walk there.
Umm...what? Are these moving sidewalks going to travel at 50mph?
The thing that bugs me most about cars, in addition to wasting gas, is that they're isolating devices. They prevent me from admiring scenery, meeting interesting people, and walking more often.
Suggestion: ride the train. You can talk to people, admire the scenery, and walk around.
I somehow think of the 'expressways' or whatever Isaac calls them in his book 'The Caves of Steel'. Basically just what you described, I think.
(They're some kind of walk-escalators that stretch all around towns, cross towns, cross land. Which you move onto the slower one, escalate your speed for the next strip, jump over to the next strip, etc. )
This seems to be a problem with the suburbs. If you want to live within walking distance to the grocery store, move to somewhere within walking distance of the grocery store. I can walk to three (different chains), and take the L to one more. (I still take my bike, though, much easier!)
I agree. If you get a chance, James Howard Kunstler's "The Geography of Nowhere" is an interesting read about this and other travesties of modern architecture and infrastructure.
Power adapters for electronics - no reason they shouldn't be a hell of a lot more standardized than they are (I don't mean just for mobile phones, which is underway - I mean for everything).
Some of the practices and licensing processes date back to before recorded music existed. Publishing, mechanical, and performance rights, as well as royalty organizations like ASCAP/BMI/etc., are all more than a little strange in a world with the Internet. And, I don't think I even need to explain why the major labels should go to hell.
True to some degree. But, the magical thinking behind things like ASCAP/BMI isn't going to go away any time soon, despite the fact that the metrics by which those royalties are disbursed become less and less accurate every day and as the old music supply chains die. The entirety of the industry is bizarre from a modern perspective, not just the record labels and consumer music supply chain.
But, yes, the worst pieces of the puzzle are busy destroying themselves as we speak, and better solutions are bound to spring up.
I would like to change 'industry' to 'media industry', it's not just the record labels that have a problem.
The reason why books are not yet as much subject to copying as music and movies is because they're still distributed in a format that makes it reasonably hard to copy them. It actually takes some effort.
As soon as books become available widely in electronic formats (not just the select few that you can get for your kindle today, Amazon claims to have 300,000 titles available but there are substantially more books than that) and without DRM the publishers will be right up there on the barricades.
I don't think there has ever been a technology as disruptive to established businesses in terms of jobs and dollars as the internet has been to the media corporations.
The usual typewriter keyboard, as it is much too hard on the human hand. No, wait, the typical computer mouse is even worse than that. I would reinvent both to let persons who age into osteoarthritis continue to use those tools more comfortably.
Is it cheating to pick an international policy? I'd like to see completely open borders for non-criminals across the world, with no restrictions on working, schooling, relationships, or associations. Go where you like, when you like, unrestricted, without needing permission from anyone.
Upvoted as you, sir, are correct. I actually have serious problems with the current view of nations and citizenship.
To put a proper criticism of the current system together would take me pointing out premises and assumptions that people do not even know they have. I'd have to start by sharing some history going from the Peace of Westphalia to the end of WWII to talk about how the current notion of nations and borders developed.
Then I'd put my case together that I think there's some fundamental human rights that I reckon everyone should have, that no local government should have any jurisdiction over. One of those, of course, is full mobility like I put above, but also free speech, free assembly, and so on. Then I'd mention that localities could make local laws to handle things a bit different and specific to the particular place.
Finally, I'd take some guesses about how this would happen, where some set of armed group(s) or allied nations would declare a global constitution that all people had a right to, and a slow change would take place. Or perhaps decentralization of information makes enforcing borders effectively pointless. Or maybe warfare evolves even further away from conventional warfare as seems to be happening now.
Who knows? It's a complicated mess of a topic. I just think it'd be a really nice thing :)
I'm honestly surprised that there has been no attempt to form an open-worker policy among a group of more developed nations, similar to the one the EU has.
I thought that individuals from the western world, i.e EU, America, Australia, etc, can go anywhere they like. It is the rest of the world which is restricted on travel, say India, the balkans, brazil, africa of course.
It's not cheating (hey, this is hacker news right, and part of hacking is to 'bend the rules' a bit every now and then) and I think it is a fantastic idea.
There is nothing that pisses me off more than one human standing in front of another saying they can't go somewhere.
This planet belongs to none of us.
As long as somebody does no actual harm to it they should be free to go anywhere. Borders are one of the worst inventions ever and there ought to be a universal human right associated with your idea.
Well, the first argument is that it would not work. When the ten new EU states joined, only the UK and Ireland opened its borders and we were flooded with Polish people, about 500k which is roughly about 1% of the UK population. There was this report I read which stated that unlike the fears of UK citizens, these polish wave of migration has contributed to the economy more than they have taken in benefits, housing, nhs, schooling.
Now it has quietened a bit, I suppose who wanted to go went in that first wave.
Now, suppose we opened the borders to India, Brazil, Mexico, Russia, Pakistan, etc. The Mexican and Brazilians will probably go to the US rather than UK, the Indians and Russians will probably want to come to the UK rather than US. India is 1 billion however, Russia 300 million. If a fraction of these people came to the UK the country would be flooded and go into a period of complete transformation and utter confusion and most probably civil unrest as the primitive territorial instincts take hold. The Indians will then demand that their culture is respected and therefore push for laws rather than integrate and do what they do in Rome.
In principle it is a noble idea. That is why although the EU project has its downsides, most people think it unthinkable to leave the EU. We like being able to travel freely in this continent, to allow trade to be completely unrestricted, but we did not sit one day and say, hey let us open our borders to all the EU. It has instead taken about 60 years for this project to evolve to what it has and still not all of the geographical europe is within the EU. So perhaps we should gradually have an EU style project in a world scale. That is, I suppose, what the UN was meant to be, but it has effectively failed. Maybe now we should try and set up institutions and a judiciary for a United Western World, whereby people are able to move freely within Europe, US, Canada, Australia, New Zealand and then gradually incorporate Russia, India, Brazil, etc.
If they had URLs or GUIDs back then, they could have made magic cookies (the four-byte signatures for file types) a lot smarter. I wonder if we could reinvent those?
I'd reinvent money to represent the underlying trust metrics (e.g. Whuffie), or, even more directly, the prediction-market value of a person's life-potential, post-trust-investment. To put that more simply, "People's faith in X" would be a stock.
Wireless. Have a technology that combines mesh networking & resilient hardware a la Meraki and WiMax but without the standards wars and the proprietary-ness so that everyone can have cheap, abundant, reliable, free-as-in-speech wireless internet everywhere.
ESPECIALLY in the developing world, so that people in countries like, say, Kenya can have access to education, microbanking and the mobile startup ecosystem on their phones and leapfrog our asses.
In the same vein, the OLPC project is a clusterfuck and is a prime example of never missing an opportunity to screw up. Someone needs to turn it into a project that is viable and actually gets laptops and modern education software into the hands of kids everywhere.
As a hovercraft, of course. If we'd started the history of transportation by floating instead of rolling, I think we can all agree humanity would be a much better place right now.
I hate that I cannot lock/unlock my credit card (online wire transfers, checks or other payment methods) at will, with a simple click of my mouse.
I'd really like being able to choose when my credit card can be used, maybe using rules like: "only on weekends, between 11am and 7pm. never online.". Then if these rules are not met, no payment should be authorized. Alternatively, I should be able to have more lax rules like: (all the above) "And only with automatic phone confirmation on weekdays between 12pm and 2pm". Then if I needed to pay for lunch, I could do so with my credit card, but authorization would be granted only after I got an automatic call with a recording asking me to confirm payment and maybe enter a pin number.