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Способы погашения кредита Внести платеж по кредиту можно: В наших отделениях Чтобы сделать платеж по кредиту в наших отделениях, Вам потребуется: паспорт ; карта Банка Интеза ; номер счета . указанный в Вашем договоре или графике платежей.<br><br>\ո<br>Сообщите номер счета и назначение платежа (ежемесячный взнос в счет погашения кредита) сотруднику отделения, и он произведет все необходимые операции для внесения платежа на Ваш счет. Внести средства в погашение кредита в Банке Интеза Вы сможете как в рублях, так и в валюте, в которой оформлен кредит.<br><br>Если платеж вносит кто-либо из Ваших родственников или знакомых, ему потребуются: его паспорт ; номер счета . указанный в Вашем договоре или графике платежей. Платеж, произведенный в отделении банка, зачисляется на Ваш счет в тот же день. Безналичным переводом через другой банк Чтобы оплатить кредит безналичным переводом из другого банка, Вам необходимо знать: номер счета .<br><br>указанный в Вашем договоре или графике платежей; номер и дату договора ; реквизиты банка для безналичного перевода средств. Реквизиты были выданы Вам при заключении кредитного договора, и Вы можете уточнить их в любом отделении Банка в своем регионе.<br><br>Платеж, произведенный безналичным переводом, зачисляется на Ваш счет в течение 2&ndash;3 рабочих дней. Пожалуйста, осуществляйте безналичные переводы заранее. Внимание! Банк, через который Вы вносите платеж, взимает комиссию за перевод средств в Банк Интеза.<br><br>Не забудьте при внесении платежа уточнить размер комиссии. Через платежные терминалы QIWI и Спринтнет (а также Элекснет для погашения по кредитной карте) Платежные терминалы QIWΙ . Спринтнет и Элекснет &mdash; это разветвленная сеть платежных устройств (более 85 000 на территории РФ).<br><br>С их помощью Вы можете оплатить как услуги телефонной связи или доступа в Интернет, так и кредит в Банке Интеза. Чтобы внести платеж, Вам потребуются: номер счета . указанный в В[http://Search.Un.org/search?ie=utf8&site=un_org&output=xml_no_dtd&client=UN_Website_en&num=10&lr=lang_en&proxystylesheet=UN_Website_en&oe=utf8&q=%D0%B0%D1%88%D0%B5%D0%BC&Submit=Go ашем] договоре или графике платежей; БИК Банка (см.<br><br><br><br>пункт &laquo;Реквизиты Банка &raquo;) Для внесения средств на счет кредитной карты через терминалы Элекснет Вам потребуется только номер карты. Платеж, произведенный безналичным переводом, зачисляется на Ваш счет в течение 3&ndash;4 рабочих дней. Пожалуйста, осуществляйте безналичные переводы заранее.<br><br>Внимание! Владелец платежного терминала взимает комиссию за перевод средств в Банк Интеза. При совершении операции обращайте внимание на размер комиссии, указанный на экране терминала. С помощью сервиса Visa Money Transfer через платежные терминалы QIWI Погасить кредит теперь можно с помощью нового сервиса компании Visa &ndash; Ѵisa Money Transfer - перевод наличных денег на карты Visa через терминалы QIWI (КИВИ) и QIWI Кошелек.<br><br>Перевод на карту Ѵisа через QIWI &ndash; самый доступный и удобный способ отправки денег на карту, с которой выплачивается кредит. Чтобы внести платеж на счет кредитной карты, Вам потребуется только номер карты . Срок зачисления платежа, произведенного безналичным переводом, зависит от Банка получателя ( от 2 часов до 4-х дней).<br><br>Пожалуйста, осуществляйте безналичные переводы заранее. Внимание! Владелец платежного терминала взимает комиссию за перевод средств в Банк Интеза. Комиссия за перевод по России составляет 2%+20 руб. Погашение кредита ежемесячно без посещения Банка Если Вы уезжаете в длительную поездку и не можете сами или с помощью близких вносить платежи вовремя, банк может автоматически осуществлять за Вас погашение кредита.<br><br>Для этого Вам необходимо: открыть еще один текущий счет в валюте кредита; разместить на нем средства . равные сумме ежемесячных платежей, которые должны быть внесены во время Вашего отсутствия; написать заявление на ежемесячные перечисления с Вашего счета в счет погашения кредита.<br><br>Платежи будут зачисляться на Ваш счет накануне дня ежемесячного платежа по кредиту. &laquo;Связной&raquo; - одна из крупнейших федеральных розничных сетей (более 1800 салонов), специализирующаяся на продаже услуг сотовых операторов, персональных средств связи, аксессуаров, портативной цифровой аудио- и фототехники.<br><br>Чтобы внести платеж, Вам потребуются: Платеж, произведенный безналичным переводом, зачисляется на Ваш счет в течение 1-2 рабочих дней. Пожалуйста, осуществляйте безналичные переводы заранее. Внимание! Банк, через который Вы вносите платеж, взимает комиссию за перевод средств в Банк Интеза.<br><br>Не забудьте уточнить размер комиссии при внесении платежа. Сеть магазинов &laquo;Связной&raquo; принимает платежи только в рублях РФ.<br><br>If you cherished this article thereforе you would likе to acqսire more info concerning [http://Zdorovek.ru/oformit-kreditku.php займ на карту маэстро мгновенно] kindly visit our weƄpage.
+
'''Dealing with death in a digital age. This is a community-based, distributed way of contributing your corpus and corpse to larger society at the time of your death.'''
 +
 
 +
Components are divided up into ''documents'', ''accounts'', ''notifications'', and ''people''. Documents are centralized with accounts, which are propagated via notifications to people, as triggered by a notification from a person. This means only having to worry about keeping something up to date in '''one''' place -- a change to a will or to a website password simply happens in the place of storage, without needing to notify everyone involved. As people enter or leave the circle of trust, they can be added or removed from the notification pool. The notification mechanism is the one thing that has to remain consistent in this set up. It is important to consider not only your own desires, but also [[what other people might want or need]].
 +
 
 +
It should be possible to speak about death without fear. If '''you''' ''are'' in danger of harming yourself, please say as such directly, and [http://suicideprevention.wikia.com/wiki/International_Suicide_Prevention_Directory get help].
 +
 
 +
==Digital artifacts==
 +
Executing wills can be a complicated thing, and there are additional snafus and hoops to jump through in granting digital rights postmortem, especially as most courts lack basic understanding of our home The Internet. These structures set up both mechanisms to get access to passwords outside a court of law, as well as making that access legitimate through bequeathing to individuals in via will. For example:
 +
:I devise, bequeath, and give my technology to my ''relationship'', ''name''. If ''name'' is unable or unwilling to accept, I bequeath the technology to my ''relationship'', ''second name''.
 +
:I devise, bequeath, and give my online profiles and digital assets, as primarily found in my password vault, to my ''relationship'', ''name''. If ''name'' is unable or unwilling to accept, I bequeath my online profiles and digital assets, as found in my password vault to my ''relationship'', ''second name''.
 +
You '''need to tell people where your physical will is.'''
 +
 
 +
===Passwords and online accounts===
 +
Security tends to prevent others from accessing accounts without your presence. In death, that absence is guaranteed. Thus, a quandary well covered in [https://en.wikipedia.org/wiki/Secret_sharing secret sharing] and [http://www.theguardian.com/technology/2009/jun/30/data-protection-internet this writeup from Cory Doctrow]. Split the password for decrypting a password vault in two, and give each half to two people. These four folk don't know who the others are, and should have no reason to talk to each other, except in case of death. You'll also need to store backup codes for two-step authentication.
 +
 
 +
The encrypted aggregated passwords file is stored in a place accessible remotely. It should auto-update with changes, rather than requiring upkeep. 1Password can also store encrypted notes, in which should be included instructions (also found in templates) and reminders of each of the tasks requested of people. A major thing to consider might be what to do with [[Online Accounts|accounts]].
 +
 
 +
But how will people know the time to act in that capacity has come, and how will they find each other? A mailing list, of course!
 +
 
 +
===Heir Rights and Digital Property===
 +
* [http://gamepolitics.com/2014/08/19/delaware-passes-law-give-heirs-rights-digital-property#.VADsdPldV9k Delaware law gives heirs rights to digital properties], August 19, 2014 - GamePolitics
 +
 
 +
==A more individualized way to notify folk==
 +
The mailing list might include both people who simply need to know as well as those who have agreed to take on certain [[Tasks to Consider|responsibilities]] at the time of death or incapacitation. These responsibilities include things like letting social or work contacts know, or getting into stuff and taking care of sensitive material before deploying open access mode. There's a set of people tasked with tending to the online accounts. The ideal is a closed notice of death to people, before it hits the rest of the internet. This eases the burden on any one person, while also providing a support network.
 +
 
 +
Send each of these people a [[Mailing List Invite|request for involvement]], and then (if they agree to be on the list) [[Instructions to People|instructions]] on how to use mailing lists in general and this one specifically. Then set up an [[Mailing List Auto Response|auto-responder]] to a mail posted to the list with instructions on what first steps are, and reminders of how to access information. In a continuing trend, templates for each of these things can be found in [http://networkedmortality.com/index.php?title=Category:Templates the template section of the wiki].
 +
 
 +
==Failure Modes==
 +
===Control Systems are Delicate===
 +
This is essentially setting up a control system for information dispensation and action upon demise. Control systems are delicate - single points of failure (like the mailing list not working) or weakest links (unclear directions for action) have to be considered and accounted for. As the point of this exercise is to 1) ease burdens on loved ones and 2) ensure open access intentions carry through past death, an example issue to consider in this set up is people getting falsely spooked and subsequently either a) leaking passwords / freaking out the internet or b) becoming jaded and inactive. One version of this might be a family member who had not been fully informed as to how the system set-up works posting to the list with a "hey how does this work?", triggering the auto-responder, causing some tasks to be executed. The cost of this would be the cognitive load of damage control and head-petting. To mitigate this and things like it, a part of the [[Mailing List Auto Response]] template is a "can you trust the message that triggered this?" prompt.
 +
 
 +
===Threat Model===
 +
In infosec, considering what could go wrong in life and the structures built to respond to those incidents would be called a "threat model." What are anticipated complications, where do those come from, and what can be done to mitigate? This system is set up thus far as "more [https://en.wikipedia.org/wiki/Murphy%27s_law Murphy], less [https://en.wikipedia.org/wiki/Alice_and_Bob#Mallory Mallory]." Meaning it's anticipating death and issues with the deployment (accidental or otherwise) of the postmortem setup as occurring by accident, not malice. IE, not worrying about someone intentionally cracking the password vault (or setting up a spoof one for loading passwords into). Some people '''do''' need to worry about these things, and it should be a part of their consideration when setting up a system which takes care of their digital assets postmortem. Please make space on this wiki to document those cases and resulting structures as well.
 +
 
 +
Using your threat model, compare unintended consequences (mid to low probability false alarm and associated cognitive load in damage control; a vanishingly small likelihood of a scenario in which people loved and trusted are secretly horrible people who seek out the other password holders who 'also' end up being horrible and sneaky, and together they unlock all the passwords, and the falsehoods they post on social media are actually believed by people (thanks, anxiety-brain, for that worst-case-scenario!)) with non-action (the amazing set of people in life have emotional and chaotic things to deal with which could have been avoided; worthwhile but unpolished work is not released into the world for others to make use of) and decide the how to act (or not). Then build in [[Threat Model Responses|mitigation and fall-backs]] into the structure of this control system. Here's one example:
 +
====[[Death Drill|Yearly Test]]====
 +
Send a yearly test email to The List once a year. Do all the mechanisms still work? Do people know where to find files, and can they gain access? If the password on the vault has changed, this is a good time to be sure the halves-holders have the newest version. It's also a good time to get assurance that people 'want' to be on the list, and are willing to perform their tasks - do they respond to a yearly message? If not, you might not want to include them on the actuality dire eventually.
 +
 
 +
==[[Open Source Cadavers|A body]]==
 +
Is it possible to donate a cadaver with Open Access stipulations? In this section of the wiki, the logistics, law, and advocacy are explored.
 +
 
 +
Why is this so important? While any one contributor is unlikely to be a special snowflake for medical research, it's possible that, if enough people sign up for this, someone involved will be a [https://en.wikipedia.org/wiki/Henrietta_Lacks Henrietta Lacks]. As it's almost statistically impossible that any single person would be that profitable to an organization, it's likely to be a risk worth taking on the receiving organization's end. But it's a downstream obligation that, especially if it becomes common practice, opens up the benefits of medical research to a much wider part of the population than currently benefits.
 +
 
 +
This downstream obligation could get tricky because the individual defining it won't have authority to uphold the obligations. They'll be dead. Granting authority in the living will and will via power of attorney is therefore essential. Ideally, the organization receiving the cadaver will voluntarily comply -- especially likely if the org is federally funded, because they'll be under the federal open access mandate. Combining these two things manifests as WILLING a body, as the body becomes an object after death, and attaching obligations accordingly.
 +
 
 +
===[[Historical examples of how corpses are handled]]===
 +
 
 +
===Pledge to donate===
 +
Be a part of open source cadavers by [http://bit.ly/oscdonate pledging to donate your body]. As the list grows, more attention will be paid to this as a viable model.
 +
 
 +
==Completion==
 +
Please remember, dear geeks - understanding the theory of this is NOT the same as ACTUALLY doing it. OSC sets up mechanisms for granting digital rights, for passing on passwords, for slow-release information, and for Open Access to information possible from death. Seeing the importance and care of fulfilling these steps means '''doing it'''. Every possible barrier to showing care for loved ones, and commitments to causes even postmortem has been removed. All it takes is a little premortem planning.
 +
 
 +
=Other Awesome Groups, Writeups, Etc=
 +
==Relevant Writeups and Comics==
 +
* [http://digitalpublic.io/drafts/reading Digital Public's reading list], covering fiduciary law, intellectual property, trust law, corporate governance, + data law.
 +
* [http://www.jedbrubaker.com/ Jed Brubaker's] PhD on [http://www.jedbrubaker.com/death-and-the-social-network-the-persistence-of-digital-identity/ "Death and the Social Network: the Persistence of Digital Identity"], in collaboration with Facebook
 +
* [https://medium.com/message/networks-without-networks-7644933a3100 The Sixth Stage of Grief Is Retro-computing]
 +
* [http://www.spectator.co.uk/features/9201661/i-am-ready-to-talk-about-my-death-is-anyone-else/ I am ready to talk about my death, is anyone else?]
 +
* [http://www.bostonglobe.com/business/2014/12/04/for-those-left-behind-digital-lifeline/W8r03Mb8dISXc7BywC6f5J/story.html The Globe on digital lifelines]
 +
* [http://www.jerkcity.com/_jerkcity5805.html Clear my cache]
 +
* [https://medium.com/message/deathhacks-b767903b7c15 Death Hacks]
 +
* [http://newsroom.fb.com/news/2015/02/adding-a-legacy-contact/ Facebook gets a Legacy Contact]
 +
* [http://www.meganlyip.com/blog/ What Concerns You Most about Death?]
 +
* [https://medium.com/human-parts/death-in-the-digital-age-799cf5c74fb7 Human Parts and Death in the Digital Age]
 +
* [http://www.theguardian.com/lifeandstyle/2015/jul/04/what-happens-to-my-late-husbands-digital-life-now-hes-gone What happens to my late husband's digital life now he's gone?]
 +
* [http://fusion.net/story/274991/i-spent-the-last-6-months-planning-my-online-death/ I spent the last 6 months planning my online death]
 +
* [https://docs.google.com/document/d/1p-oBHuHbUcWneWZLlZcw_fphQ2NBleKVAmNjF7uGBEE/edit Digital Death syllabus]
 +
 
 +
==Rad External Goings On==
 +
===Digital Commemoration===
 +
* [http://timenesia.org Timenesia]
 +
* [https://github.com/fin/memorial-page Memorial Page]
 +
 
 +
===Dealing with Data===
 +
* [http://digitalpublic.io/ Digital Public]
 +
* [http://www.thedigitalbeyond.com/ The Digital Beyond]
 +
* [http://getyourshittogether.org/ Get Your Shit Together]
 +
* [http://get.digi.me DigiMe]
 +
 
 +
===Bodies===
 +
* [http://www.personalgenomes.org/ Personal Genome Project]
 +
* [http://www.capsulamundi.it/progetto_eng.html Capsulamundi]
 +
 
 +
===Events and Groups===
 +
* [http://deathsalon.org/meetings/death-salon-uk-2014/ Death Salon UK]
 +
* [http://www.bath.ac.uk/cdas/ University of Bath: The Center for Death & Society]
 +
* [http://www.orderofthegooddeath.com/members/your-mortician Order of the Good Death]
 +
* [http://morbidanatomymuseum.org/ Morbid Anatomy Museum]
 +
 
 +
==Mentions of note==
 +
* [http://www.newscientist.com/article/mg22530073.300-time-to-put-your-digital-affairs-in-order.html#.VN0NF1oYDyB New Scientist]
 +
* [https://civic.mit.edu/blog/willowbl00/what-is-death-in-a-networked-age Center for Civic Media Blog]
 +
* [http://www.pbs.org/idealab/2014/10/what-are-digital-rights-after-death-in-the-networked-age/ PBS Idea Lab]
 +
* [http://blog.bl00cyb.org/2014/11/networked-mortality/ willowbl00 blog]
 +
* Mindful Cyborgs Podcast [http://mindfulcyborgs.com/shows/2015/1/12/episode-44-color-coding-for-sex-and-death part one] [https://soundcloud.com/mindfulcyborgs/mindful-cyborgs-episode-45 part two]
 +
* [https://www.youtube.com/watch?v=igMf0Wmfn9A Breakout session at CyborgCamp MIT]
 +
 
 +
==Get Involved==
 +
* Jump on the FAQ and start to answer some questions
 +
* Edit this wiki
 +
* Other general [[To Dos]]

Latest revision as of 07:53, 12 August 2017

Dealing with death in a digital age. This is a community-based, distributed way of contributing your corpus and corpse to larger society at the time of your death.

Components are divided up into documents, accounts, notifications, and people. Documents are centralized with accounts, which are propagated via notifications to people, as triggered by a notification from a person. This means only having to worry about keeping something up to date in one place -- a change to a will or to a website password simply happens in the place of storage, without needing to notify everyone involved. As people enter or leave the circle of trust, they can be added or removed from the notification pool. The notification mechanism is the one thing that has to remain consistent in this set up. It is important to consider not only your own desires, but also what other people might want or need.

It should be possible to speak about death without fear. If you are in danger of harming yourself, please say as such directly, and get help.

Digital artifacts

Executing wills can be a complicated thing, and there are additional snafus and hoops to jump through in granting digital rights postmortem, especially as most courts lack basic understanding of our home The Internet. These structures set up both mechanisms to get access to passwords outside a court of law, as well as making that access legitimate through bequeathing to individuals in via will. For example:

I devise, bequeath, and give my technology to my relationship, name. If name is unable or unwilling to accept, I bequeath the technology to my relationship, second name.
I devise, bequeath, and give my online profiles and digital assets, as primarily found in my password vault, to my relationship, name. If name is unable or unwilling to accept, I bequeath my online profiles and digital assets, as found in my password vault to my relationship, second name.

You need to tell people where your physical will is.

Passwords and online accounts

Security tends to prevent others from accessing accounts without your presence. In death, that absence is guaranteed. Thus, a quandary well covered in secret sharing and this writeup from Cory Doctrow. Split the password for decrypting a password vault in two, and give each half to two people. These four folk don't know who the others are, and should have no reason to talk to each other, except in case of death. You'll also need to store backup codes for two-step authentication.

The encrypted aggregated passwords file is stored in a place accessible remotely. It should auto-update with changes, rather than requiring upkeep. 1Password can also store encrypted notes, in which should be included instructions (also found in templates) and reminders of each of the tasks requested of people. A major thing to consider might be what to do with accounts.

But how will people know the time to act in that capacity has come, and how will they find each other? A mailing list, of course!

Heir Rights and Digital Property

A more individualized way to notify folk

The mailing list might include both people who simply need to know as well as those who have agreed to take on certain responsibilities at the time of death or incapacitation. These responsibilities include things like letting social or work contacts know, or getting into stuff and taking care of sensitive material before deploying open access mode. There's a set of people tasked with tending to the online accounts. The ideal is a closed notice of death to people, before it hits the rest of the internet. This eases the burden on any one person, while also providing a support network.

Send each of these people a request for involvement, and then (if they agree to be on the list) instructions on how to use mailing lists in general and this one specifically. Then set up an auto-responder to a mail posted to the list with instructions on what first steps are, and reminders of how to access information. In a continuing trend, templates for each of these things can be found in the template section of the wiki.

Failure Modes

Control Systems are Delicate

This is essentially setting up a control system for information dispensation and action upon demise. Control systems are delicate - single points of failure (like the mailing list not working) or weakest links (unclear directions for action) have to be considered and accounted for. As the point of this exercise is to 1) ease burdens on loved ones and 2) ensure open access intentions carry through past death, an example issue to consider in this set up is people getting falsely spooked and subsequently either a) leaking passwords / freaking out the internet or b) becoming jaded and inactive. One version of this might be a family member who had not been fully informed as to how the system set-up works posting to the list with a "hey how does this work?", triggering the auto-responder, causing some tasks to be executed. The cost of this would be the cognitive load of damage control and head-petting. To mitigate this and things like it, a part of the Mailing List Auto Response template is a "can you trust the message that triggered this?" prompt.

Threat Model

In infosec, considering what could go wrong in life and the structures built to respond to those incidents would be called a "threat model." What are anticipated complications, where do those come from, and what can be done to mitigate? This system is set up thus far as "more Murphy, less Mallory." Meaning it's anticipating death and issues with the deployment (accidental or otherwise) of the postmortem setup as occurring by accident, not malice. IE, not worrying about someone intentionally cracking the password vault (or setting up a spoof one for loading passwords into). Some people do need to worry about these things, and it should be a part of their consideration when setting up a system which takes care of their digital assets postmortem. Please make space on this wiki to document those cases and resulting structures as well.

Using your threat model, compare unintended consequences (mid to low probability false alarm and associated cognitive load in damage control; a vanishingly small likelihood of a scenario in which people loved and trusted are secretly horrible people who seek out the other password holders who 'also' end up being horrible and sneaky, and together they unlock all the passwords, and the falsehoods they post on social media are actually believed by people (thanks, anxiety-brain, for that worst-case-scenario!)) with non-action (the amazing set of people in life have emotional and chaotic things to deal with which could have been avoided; worthwhile but unpolished work is not released into the world for others to make use of) and decide the how to act (or not). Then build in mitigation and fall-backs into the structure of this control system. Here's one example:

Yearly Test

Send a yearly test email to The List once a year. Do all the mechanisms still work? Do people know where to find files, and can they gain access? If the password on the vault has changed, this is a good time to be sure the halves-holders have the newest version. It's also a good time to get assurance that people 'want' to be on the list, and are willing to perform their tasks - do they respond to a yearly message? If not, you might not want to include them on the actuality dire eventually.

A body

Is it possible to donate a cadaver with Open Access stipulations? In this section of the wiki, the logistics, law, and advocacy are explored.

Why is this so important? While any one contributor is unlikely to be a special snowflake for medical research, it's possible that, if enough people sign up for this, someone involved will be a Henrietta Lacks. As it's almost statistically impossible that any single person would be that profitable to an organization, it's likely to be a risk worth taking on the receiving organization's end. But it's a downstream obligation that, especially if it becomes common practice, opens up the benefits of medical research to a much wider part of the population than currently benefits.

This downstream obligation could get tricky because the individual defining it won't have authority to uphold the obligations. They'll be dead. Granting authority in the living will and will via power of attorney is therefore essential. Ideally, the organization receiving the cadaver will voluntarily comply -- especially likely if the org is federally funded, because they'll be under the federal open access mandate. Combining these two things manifests as WILLING a body, as the body becomes an object after death, and attaching obligations accordingly.

Historical examples of how corpses are handled

Pledge to donate

Be a part of open source cadavers by pledging to donate your body. As the list grows, more attention will be paid to this as a viable model.

Completion

Please remember, dear geeks - understanding the theory of this is NOT the same as ACTUALLY doing it. OSC sets up mechanisms for granting digital rights, for passing on passwords, for slow-release information, and for Open Access to information possible from death. Seeing the importance and care of fulfilling these steps means doing it. Every possible barrier to showing care for loved ones, and commitments to causes even postmortem has been removed. All it takes is a little premortem planning.

Other Awesome Groups, Writeups, Etc

Relevant Writeups and Comics

Rad External Goings On

Digital Commemoration

Dealing with Data

Bodies

Events and Groups

Mentions of note

Get Involved

  • Jump on the FAQ and start to answer some questions
  • Edit this wiki
  • Other general To Dos