Friday, June 5, 2009

A bomb blast at a mosque in northwestern Pakistan is suspected to have killed at least forty people on Friday.

According to police reports, the explosion happened in a village located in the Upper Dir district of the North-West Frontier Province. The incident occurred while worshipers were offering the Friday prayers.

“Around 40 people are killed. We have no idea as yet how many have been wounded,” said Atif-ur-Rehman, a senior government administrator of Upper Dir.

The mosque was damaged heavily by the explosion, and many people have been trapped under debris.

“A large number of body parts are scattered in the mosque. We don’t know whether these are parts of the dead who have been identified or of others,” said Umer Rehman, one of the village’s residents, to the Reuters news agency.

This is the ninth bomb blast in Pakistan since the country’s armed forces started attacks against the [[|Pakistani Talian|Taliban]] in the nearby Swat valley from the past few months, in an attempt to force the fighters out of the area.

President Zardari and Prime Minister Gillani both condemned the attack. The London-based Muttahida Qaumi Movement chief, Altaf Hussain, has also condemned the blast.

Monday, September 24, 2007

73,000 United Auto Workers (UAW) union members launched a nationwide strike today against General Motors (GM), the largest auto manufacturer in the United States.

UAW President Ron Gettelfinger said GM would need to meet pay, health care, and job security issues. Gettelfinge said, “This is nothing we wanted…No one benefits in a strike. But there comes a point where someone can push you off a cliff. That’s what happened here.”

The strike was officially launched at 11 a.m. EDT (UTC-4) today.

Negotiations were reportedly going to occur again this afternoon, but there have been no reports of any negotiating going on from either side.

80 facilities in 30 different states closed today because of the strike.

CNN reports that GM facilities in Mexico and Canada may close soon, too.

The vice president of global vehicle forecasts for CSM Worldwide, Michael Robinet, said today that dealerships in the US likely won’t feel the effects of the strike for several weeks.

A statement from GM today said, “We are disappointed in the UAW’s decision to call a national strike. The bargaining involved complex, difficult issues that affect the job security of our U.S. work force, and the long-term viability of the company. We are fully committed to working with the UAW to develop solutions together to address the competitive challenges facing General Motors. We will continue focusing our efforts on reaching an agreement as soon as possible.”

If the strike continues, UAW strike funds will supply each striker with US$200 a month and medical coverage.

Why Restaurant booth seating plays a major role in restaurant design

by

romyfernandis

Restaurant booth seating is a fundamental requirement in coming up with a restaurant that is aesthetically appealing to all. How you arrange, or the design layout of your restaurant matters a lot because through, you can be able to provide a smooth movement flow. In addition to that, choosing the right design layout ensures that your restaurant is functional and comfortable.

The perfect design for your restaurant

Why be concerned with the design anyway? What role does it play, how does it interfere or influence consumer behavior? All these are question that you need to guide you through choosing the right design for your caf. So, in choosing the right design, you should not only be concerned with the Restaurant booth factory setting only, be concerned also with the stools, the chairs and the couches as well. This way, you will be able to come up with a Custom restaurant booth for your customers.

First time buyers

For the starters, coming up with the right design for the Restaurant booth seating may be a little confusing. But you need to worry no more, here are some of the things that you need to do in order to come up with the right Restaurant booth factory setting for your caf;

Consider the size of the available space.

When coming up with the design that will perfectly suit your Restaurant booth seating, you will have to consider the space available. For the restaurants that are modestly-sized, consider a compact Restaurant booth seating. This is the right choice given the other options like the expansive chairs and the tables. What you should be aiming for in such a setting is the smooth movement flow in all the areas of the restaurant.

Your budget

[youtube]http://www.youtube.com/watch?v=f1JM-SaP28s[/youtube]

Dont just go shopping for a Restaurant booth factory blindly. You need to budget everything and always remember that prices will differ from each booth to the other. Therefore, it may be a wise choice if you had a planned budget. This way you will be able to make target purchases and the right Restaurant booth factory.

Your restaurant designs

This is a great factor in the determination of the Custom restaurant booth for your restaurant. The demographic of the people you are catering and also the cuisine you are aiming to serve plays a vital role in determining the type of the Restaurant booth seating. Compact casual restaurant booth is particularly important if you are going to set up a simple diner for large families that come with their kids.

Opting for the commercial restaurant furniture

This is an important thing that you should always keep in mind. When searching for the Restaurant booth factory, consider or always buy only the commercial restaurant furniture. Opting to buy the residential booths will only degrade your restaurant or the caf for that matter.

Conclusion

Restaurant booth seating play a significant role in the design of the restaurant which then plays quite a significant role in ensuring the success of the restaurant. Therefore, you should choose the right booth seating, actually the best.

Restaurant booth seating is a fundamental requirement in coming up with a restaurant that is aesthetically appealing to all. How you arrange, or the design layout of your restaurant matters a lot because through, you can be able to provide a smooth movement flow. In addition to that, choosing the right design layout ensures that your restaurant is functional and comfortable.

The perfect design for your restaurant

Why be concerned with the design anyway? What role does it play, how does it interfere or influence consumer behavior? All these are question that you need to guide you through choosing the right design for your caf. So, in choosing the right design, you should not only be concerned with the Restaurant booth factory setting only, be concerned also with the stools, the chairs and the couches as well. This way, you will be able to come up with a Custom restaurant booth for your customers.

First time buyers

For the starters, coming up with the right design for the Restaurant booth seating may be a little confusing. But you need to worry no more, here are some of the things that you need to do in order to come up with the right Restaurant booth factory setting for your caf;

Consider the size of the available space.

When coming up with the design that will perfectly suit your Restaurant booth seating, you will have to consider the space available. For the restaurants that are modestly-sized, consider a compact Restaurant booth seating. This is the right choice given the other options like the expansive chairs and the tables. What you should be aiming for in such a setting is the smooth movement flow in all the areas of the restaurant.

Your budget

Dont just go shopping for a Restaurant booth factory blindly. You need to budget everything and always remember that prices will differ from each booth to the other. Therefore, it may be a wise choice if you had a planned budget. This way you will be able to make target purchases and the right Restaurant booth factory.

Your restaurant designs

This is a great factor in the determination of the Custom restaurant booth for your restaurant. The demographic of the people you are catering and also the cuisine you are aiming to serve plays a vital role in determining the type of the Restaurant booth seating. Compact casual restaurant booth is particularly important if you are going to set up a simple diner for large families that come with their kids.

Opting for the commercial restaurant furniture

This is an important thing that you should always keep in mind. When searching for the Restaurant booth factory, consider or always buy only the commercial restaurant furniture. Opting to buy the residential booths will only degrade your restaurant or the caf for that matter.

Conclusion

Restaurant booth seating play a significant role in the design of the restaurant which then plays quite a significant role in ensuring the success of the restaurant. Therefore, you should choose the right booth seating, actually the best.

Find more information relating to Restaurant booth seating , and Custom restaurant booths here.

Article Source:

eArticlesOnline.com}

Sunday, July 4, 2010

Last week, U.S. Consumer Product Safety Commission (CPSC) held a press conference on the National Mall in Washington, DC, warning consumers of the dangers of fireworks, and advising them of safe handling. They were joined by representatives from the the Bureau of Alcohol, Tobacco and Firearms (ATF); Federal Emergency Management Agency (FEMA); the U.S. Customs and Border Protection (CBP); and other national safety agencies. Fireworks are often used to celebrate the United States’ July 4, 1776 independence from Great Britain. The Fourth of July is a time when many US families get together to celebrate, by holding reunions, picnics, barbecues, baseball games and firework displays; however, celebrations often turn sour due to injury or even death, caused by the mishandling of fireworks. In 2009, nearly 19,000 fireworks-related injuries were treated in hospitals, doctors’ offices and clinics all over the country. Around 9,000 of those were to children aged under 18, and 6,000 occurred during the 30 days surrounding Independence Day.

CPSC chairman, Inez Tenenbaum, said that burns and cuts to limbs, the face and head were the most common injuries, and over half of them were due to firecrackers, rockets and sparklers. The agencies were joined at the news conference by Jason Henderson, who was injured in 2007 after building home-made fireworks. He had found instructions online detailing how to build M-80-style fireworks, and after purchasing the chemicals, began assembling them; however, the mixture exploded which resulted in him losing both hands and his right eye, and shrapnel caused multiple lacerations and puncture wounds to his entire body. “Don’t be the show, go and enjoy the show. I want to get people to move away from putting on their own displays and just go and enjoy the free shows. I mean they are free,” Henderson said. “You might as well take advantage of them while they are there. You can spend time with your family instead of being the one to light them and taking that risk.” Henderson also appears in a public-service announcement recently released by the ATF to YouTube, that shows how he has now been fitted with bionic arms.

Agencies recommend attending community fireworks shows held by city or county officials, which are held in a more controlled and professional environment. Additionally, many jurisdictions outlaw either all fireworks, or certain types, such as rockets and firecrackers.

Fireworks increase demands on fire departments and personnel at this time of year, acting U.S. Fire Administrator Glenn Gaines noted. “Four firefighters [have been killed] as a result of illegal fireworks. Calls to EMS [Emergency Medical Services] and fire departments increased as individuals continue to be injured and burned.” The dry weather and heat that many areas are experiencing also elevate the risk of brush and structure fires. The National Fire Protection Association said that over 22,500 fires started from fireworks in 2008.

Consumers who do purchase fireworks are encouraged to follow the following common sense rules: always read and follow directions; always supervise older children and teenagers if they are permitted to use fireworks; never allow young children to play with or ignite fireworks, child-friendly sparklers and “party-poppers” are a fun and safe alternative for them; keep animals inside or well away from the fireworks, the noise will often scare them; never light any fireworks inside buildings; light fireworks on a smooth, flat surface away from houses, dry leaves, and flammable materials; never ignite fireworks in metal or glass containers; light one firework at a time; move away to a safe distance immediately after lighting a firework; never return to a firework that has not ignited properly; never throw fireworks at another person, animal, or property; do not consume alcohol when using fireworks; keep a bucket of water or a hose in close proximity in case of fire, dispose of use fireworks in the bucket of water; buy from reliable dealers; only use legal fireworks; and follow the laws of your jurisdiction.

Thursday, July 3, 2014

The Indian space agency, Indian Space Research Organisation (ISRO), launched five foreign satellites from the Sriharikota facility on Monday morning, using the PSLV-C23 launch vehicle.

The primary payload was an earth observation satellite from France called SPOT 7 which weighed 714 kg. Other satellites included on board were the German AISat, 14 kg; Canadian NLS7.1 (CAN-X4) and NLS7.2 (CAN-X5), 15 kg each; and Singaporean VELOX 1, 7 kg.

The launch took place at 9:52 AM on Monday morning, delayed from the original schedule by three minutes to avoid space debris. This was the 26th successful launch of a PSLV. Along with the US, Russia, the European Union, China, and Japan, India is one of the few nations that offer commercial launch services. These services are provided by Antrix, the commercial department of ISRO. ISRO’s next major launch may be this month using a GSLV-III launch vehicle.

The Indian Prime Minister Narendra Modi was present at the launch site. He addressed the scientists after the launch congratulating them, and asked them to build a satellite suitable for use by all the nations of the South Asian Association for Regional Cooperation (SAARC). He also emphasized the frugal approach of India to the space industry. Phillipe Ghesquiers of Airbus Space and Defense Systems, the builders of SPOT 7, expressed satisfaction at the launch and stated they may use India’s launch services again in the future.

Thursday, December 20, 2007

Wikinews reporter David Shankbone is currently, courtesy of the Israeli government and friends, visiting Israel. This is a first-hand account of his experiences and may — as a result — not fully comply with Wikinews’ neutrality policy. Please note this is a journalism experiment for Wikinews and put constructive criticism on the collaboration page.

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Dr. Yossi Vardi is known as Israel’s ‘Father of the Entrepreneur’, and he has many children in the form of technology companies he has helped to incubate in Tel Aviv‘s booming Internet sector. At the offices of Superna, one such company, he introduced a whirlwind of presentations from his baby incubators to a group of journalists. What stuck most in my head was when Vardi said, “What is important is not the technology, but the talent.” Perhaps because he repeated this after each young Internet entrepreneur showed us his or her latest creation under Vardi’s tutelage. I had a sense of déjà vu from this mantra. A casual reader of the newspapers during the Dot.com boom will remember a glut of stories that could be called “The Rise of the Failure”; people whose technology companies had collapsed were suddenly hot commodities to start up new companies. This seemingly paradoxical thinking was talked about as new back then; but even Thomas Edison—the Father of Invention—is oft-quoted for saying, “I have not failed. I have just found ten thousand ways that won’t work.”

Vardi’s focus on encouraging his brood of talent regardless of the practicalities stuck out to me because of a recent pair of “dueling studies” The New York Times has printed. These are the sort of studies that confuse parents on how to raise their kids. The first, by Carol Dweck at Stanford University, came to the conclusion that children who are not praised for their efforts, regardless of the outcome’s success, rarely attempt more challenging and complex pursuits. According to Dweck’s study, when a child knows that they will receive praise for being right instead of for tackling difficult problems, even if they fail, they will simply elect to take on easy tasks in which they are assured of finding the solution.

Only one month earlier the Times produced another story for parents to agonize over, this time based on a study from the Brookings Institution, entitled “Are Kids Getting Too Much Praise?” Unlike Dweck’s clinical study, Brookings drew conclusions from statistical data that could be influenced by a variety of factors (since there was no clinical control). The study found American kids are far more confident that they have done well than their Korean counterparts, even when the inverse is true. The Times adds in the words of a Harvard faculty psychologist who intoned, “Self-esteem is based on real accomplishments. It’s all about letting kids shine in a realistic way.” But this is not the first time the self-esteem generation’s proponents have been criticized.

Vardi clearly would find himself encouraged by Dweck’s study, though, based upon how often he seemed to ask us to keep our eyes on the people more than the products. That’s not to say he has not found his latest ICQ, though only time—and consumers—will tell.

For a Web 2.User like myself, I was most fascinated by Fixya, a site that, like Wikipedia, exists on the free work of people with knowledge. Fixya is a tech support site where people who are having problems with equipment ask a question and it is answered by registered “experts.” These experts are the equivalent of Wikipedia’s editors: they are self-ordained purveyors of solutions. But instead of solving a mystery of knowledge a reader has in their head, these experts solve a problem related to something you have bought and do not understand. From baby cribs to cellular phones, over 500,000 products are “supported” on Fixya’s website. The Fixya business model relies upon the good will of its experts to want to help other people through the ever-expanding world of consumer appliances. But it is different from Wikipedia in two important ways. First, Fixya is for-profit. The altruistic exchange of information is somewhat dampened by the knowledge that somebody, somewhere, is profiting from whatever you give. Second, with Wikipedia it is very easy for a person to type in a few sentences about a subject on an article about the Toshiba Satellite laptop, but to answer technical problems a person is experiencing seems like a different realm. But is it? “It’s a beautiful thing. People really want to help other people,” said the presenter, who marveled at the community that has already developed on Fixya. “Another difference from Wikipedia is that we have a premium content version of the site.” Their premium site is where they envision making their money. Customers with a problem will assign a dollar amount based upon how badly they need an answer to a question, and the expert-editors of Fixya will share in the payment for the resolved issue. Like Wikipedia, reputation is paramount to Fixya’s experts. Whereas Wikipedia editors are judged by how they are perceived in the Wiki community, the amount of barnstars they receive and by the value of their contributions, Fixya’s customers rate its experts based upon the usefulness of their advice. The site is currently working on offering extended warranties with some manufacturers, although it was not clear how that would work on a site that functioned on the work of any expert.

Another collaborative effort product presented to us was YouFig, which is software designed to allow a group of people to collaborate on work product. This is not a new idea, although may web-based products have generally fallen flat. The idea is that people who are working on a multi-media project can combine efforts to create a final product. They envision their initial market to be academia, but one could see the product stretching to fields such as law, where large litigation projects with high-level of collaboration on both document creation and media presentation; in business, where software aimed at product development has generally not lived up to its promises; and in the science and engineering fields, where multi-media collaboration is quickly becoming not only the norm, but a necessity.

For the popular consumer market, Superna, whose offices hosted our meeting, demonstrated their cost-saving vision for the Smart Home (SH). Current SH systems require a large, expensive server in order to coordinate all the electronic appliances in today’s air-conditioned, lit and entertainment-saturated house. Such coordinating servers can cost upwards of US$5,000, whereas Superna’s software can turn a US$1,000 hand-held tablet PC into household remote control.

There were a few start-ups where Vardi’s fatherly mentoring seemed more at play than long-term practical business modeling. In the hot market of WiFi products, WeFi is software that will allow groups of users, such as friends, share knowledge about the location of free Internet WiFi access, and also provide codes and keys for certain hot spots, with access provided only to the trusted users within a group. The mock-up that was shown to us had a Google Maps-esque city block that had green points to the known hot spots that are available either for free (such as those owned by good Samaritans who do not secure their WiFi access) or for pay, with access information provided for that location. I saw two long-term problems: first, WiMAX, which is able to provide Internet access to people for miles within its range. There is already discussion all over the Internet as to whether this technology will eventually make WiFi obsolete, negating the need to find “hot spots” for a group of friends. Taiwan is already testing an island-wide WiMAX project. The second problem is if good Samaritans are more easily located, instead of just happened-upon, how many will keep their WiFi access free? It has already become more difficult to find people willing to contribute to free Internet. Even in Tel Aviv, and elsewhere, I have come across several secure wireless users who named their network “Fuck Off” in an in-your-face message to freeloaders.

Another child of Vardi’s that the Brookings Institution might say was over-praised for self-esteem but lacking real accomplishment is AtlasCT, although reportedly Nokia offered to pay US$8.1 million for the software, which they turned down. It is again a map-based software that allows user-generated photographs to be uploaded to personalized street maps that they can share with friends, students, colleagues or whomever else wants to view a person’s slideshow from their vacation to Paris (“Dude, go to the icon over Boulevard Montmartre and you’ll see this girl I thought was hot outside the Hard Rock Cafe!”) Aside from the idea that many people probably have little interest in looking at the photo journey of someone they know (“You can see how I traced the steps of Jesus in the Galilee“), it is also easy to imagine Google coming out with its own freeware that would instantly trump this program. Although one can see an e-classroom in architecture employing such software to allow students to take a walking tour through Rome, its desirability may be limited.

Whether Vardi is a smart parent for his encouragement, or in fact propping up laggards, is something only time will tell him as he attempts to bring these products of his children to market. The look of awe that came across each company’s representative whenever he entered the room provided the answer to the question of Who’s your daddy?

Submitted by: Matthew Bass

Business owners beware! That constant barrage of email and other forms of advertising pushing directory submission services is a waste of money. You know the ones, they tell you that they’ll submit your sites to hundreds of Internet directories for $29.95 (or other various prices). I’m sure most of them do what they say, and do in fact submit your site to all of those directories, but the simple truth is that the service they’re offering isn’t worth the price they’re charging.

Here’s why. When was the last time that you used an Internet directory to search for what you’re looking for instead of a search engine? You use search engines like Google, Yahoo and Bing right?

So, should you do directory submission for your site? Absolutely, but not to the thousands of useless directories that have ravaged the Internet in recent years. Directories are a dime-a-dozen these days and the vast majority of them aren’t worth your time and won’t provide much value in your website search engine ranking. Some of the directories that I recommend that every valid business needs to be in are ones like Business.com, DMOZ, Best of the Web, etc.

[youtube]http://www.youtube.com/watch?v=CseO1XRYs9I[/youtube]

Your reason for submitting these is two-fold: First, someone browsing those directories may see your site and contact you. Secondly, those sites are trusted by the search engines and a little link juice will be passed on to your site as a result of being listed in those prominent directories. Good links pointing to your site means better search engine rankings, more visitors to your website and more sales, leads, etc. if you’ve built your website correctly.

There are a host of other directories and social media sites that would be beneficial based on your particular business. Which directories related to your profession are prominent? One simple way to find professional directories is to search in Google for “your profession” + professional directory. Get creative with your searching and you’ll be sure to find some great directories.

Also, check into the professional associations that you’re already a member of to see if they have member profiles that allow a link to your website. One that should come to mind for everyone immediately is your local chamber of commerce membership. Make the most out of your profile in these organizations.

Here’s an alternative if you’re not weary about mass directory submission yet, and still have $29.95 burning a hole in your pocket. Spend it on something besides mass directory submissions. For example, you could get a decent writer to write an article for you about a product or service that your business sells. Make sure the article adds something of value to your potential customers if they take the time to read it. Take that article and post it on your website. Use it to begin building your reputation in your industry that you are in fact the go-to person for that product or service. Send a link to all of your prospects and customers – share the valuable information with them. Modify it slightly and use it as a press release (with a link back to your website).

About the Author: Matthew Bass is the CEO of

SEOFIX.com

– a search engine optimization company dedicated to helping small businesses by providing excellent

small business seo

services at affordable rates.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=633057&ca=Business

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

Wednesday, May 17, 2006

The two Australian mine-workers, who were trapped for 14 days underground in a collapsed mine, have signed a media deal reportedly worth AUD$2 million for their story of survival. Local media reports that the lucrative deal, announced by the Nine Network, is believed to be the “highest ever paid to secure news talent”. A planned TV special will be the outcome of a deal secured by Publishing and Broadcasting Limited (PBL), which owns the Nine Network.

Miners Todd Russell and Brant Webb were entombed nearly a kilometre underground following a cave-in on April 25 at the Beaconsfield Gold Mine in Tasmania. A third miner, Larry Knight, was killed in the rock-fall. The two survivors trapped in a wire cage, survived by drinking water seeping through rocks until rescuers managed to dig a small tunnel to deliver fresh food and water. Their tale has captured the attention of the nation, with media corporations fighting for exclusive rights to the miners’ story.

The Nine Network’s chief executive Eddie McGuire said under the PBL deal, Woman’s Day, the Australian Women’s Weekly and the Bulletin magazines would also have access to the men. The Nine Network has announced it would broadcast a two-hour special with entitled “The Great Escape.”

Another deal is expected to be brokered with U.S. media. Mr McGuire said the deal would not restrict the pair from selling their story to CNN, the US Today Show and Good Morning America, who have all reportedly made contact with Mr Russell and Mr Webb this week.

Under the PBL deal, Woman’s Day, the Australian Women’s Weekly and the Bulletin magazines would also have access to the men, Mr McGuire said. Nine says it also wants the footage and photographs taken by the miners during their ordeal. The footage remains in the hands of the mining company.

The men, who were rescued on May 9, have not spoken publicly about the time they spent trapped underground.

See Wikipedia article: Beaconsfield mine collapse

Sunday, February 14, 2010

University of Cambridge security expert Professor Ross Anderson has blasted the EMV system used worldwide for credit and debit card transactions, and known in the UK as Chip and PIN, after his research team discovered a serious vulnerability. The group were able to carry out purchases using a card, even without knowing the associated personal identification number (PIN), by using a “man-in-the-middle” attack.

Retail terminals at the point of sale require the cardholder to insert their card and enter their secret PIN before a transaction can be authorised. They then communicate with the microchip built in to the card itself, which holds the PIN. If the correct number has been given, this chip returns a standard verification code (0x9000) to the terminal.

In the researchers’ attack they inserted a genuine card into a second reader, connected to a laptop. The laptop is linked by thin wires to a fake card, which is inserted into the retailer’s terminal. The laptop relays the communications between the terminal and the stolen, but genuine, card, up until the stage where the PIN is to be checked. At this point it intercepts and responds with the verification code, no matter what number was entered. The retailer’s terminal then believes that the correct PIN has been entered, and the card can be told that a signature was used to verify the cardholder instead.

Their technique has been tested successfully on cards from six different issuers: Bank of Scotland, Barclaycard, Co-operative Bank, Halifax, HSBC and John Lewis.

All the banks are lying. They are maliciously and wilfully deceiving the customer […] The system is not fit for purpose.

The group say that not much technical skill is required for the attack, and suggested the equipment needed could be kept in a backpack, with the wires to the fake card running down a user’s sleeve. They believe the equipment could be miniaturised to the size of a remote control.

“In practice how this attack would work is that one reasonably technically skilled person would build a device that carries out the attack and then sell this equipment on the internet just like criminals already do,” said Dr Steven Murdoch who worked on the project.

Professor Anderson claimed that the attack could already be in use by criminals. “We have many examples of people who have had their cards stolen and then purchases made using the chip and pin,” he said. “They are adamant they didn’t use it but if the banks say chip and pin has been used you have to pay. I think many of these people would have been victim of the kind of technique we have developed.”

He was scathing about bank claims that the system was secure. “The banks are wrong. All the banks are lying. They are maliciously and wilfully deceiving the customer. If there was any justice then the police would be looking into this. The system is not fit for purpose.”

Consumer group Which? have also called for an investigation, stating that in a recent survey one in seven people said that money had been taken from their accounts without authorisation. Around half of these did not have the money refunded by the bank.

“We want the banks to look into these potential flaws,” said Cathy Neal from Which? Money, “because we have had many examples where the banks have said a pin was used and the customer said it hasn’t.”

Over 90 percent of UK card transactions at point-of-sale use chip and PIN, according to the UK Payments Administration. The attack does not affect ATM transactions, which use different standards. Mark Bowerman, a spokesman for the group which represents card companies, said that there was no evidence the attack was in use and emphasised that card fraud had fallen with the introduction of chip and PIN.

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We strongly refute the allegation that chip and PIN is broken

“We are taking this paper very seriously, as maintaining excellent levels of card security is paramount,” he said. “However, we strongly refute the allegation that chip and PIN is broken.”

The research paper has been made available as a working draft, and is due to be published at the IEEE Security and Privacy Symposium in May 2010. Members of the banking industry were informed of the vulnerability in early December last year.