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In addition to this panel that s about to be launched the end of january, the ftc and the s.e.c., they haven t confirmed or denied that there s an investigation going on on target, but that if they do find that they were in violation of this, it s another set of fines that target may have to pay. should they be discussing how banks work in this system? it s really the banks that say hey, you, target and other retailers, you need to use my equipment and my processes in order for you to be my customer so i process your credit card transactions. exactly. it s called the point of sale. part of the reason why these systems are getting hacked is because these hackers know how to go in there. the buzz word here is called ram scraping. that s not a procedure. i know what you re talking about. it s random access memory scraping. these hackers go in there and go into the point of sale ....