how credsticks work, a thought experiment in mechanics Options

[shinryu]

so been trying to think of how credsticks work in general, i think this probably makes the most sense in terms of the shadowrun 5 matrix rules as written. anything i'm missing? it's kind of a thought experiment to see if the matrix rules work for money transfers, since if they can't handle that the whole world falls apart. as does the rules system.

credstick sends message, requesting a mark on a bank host. said bank host is probably rating 8 at the very least, and this may go up for hosts handling more expensive credsticks (i would imagine the host handling gold sticks may be mildly less secure than the one handling the security for black sticks, and that banks would probably have multiple separate hosts to avoid compromise of one host affecting all the accounts)

host verifies the credstick's identity and responds by inviting a mark.

credstick icon adds mark, enters host.

credstick uses send message to request the host decrypt the account file

account file is decrypted by.

credstick uses edit file to change balance of account and sends message to host to re-encrypt file.

host re-encrypts account and revokes mark from credstick.

this is probably very much how bank transactions work in general, substituting commlink for credstick.

so hacking a credstick account basically involves disguising yourself as a credstick with a wrapper, getting a mark on a host with a firewall between 12 and 16, and then passing the Patrol IC's matrix perception check that you are not a credstick (versus probably 16 to 24 dice). oh good, that should be easy. i am actually somewhat reassured about the security of banking in shadowrun. however, there don't seem to be exact rules for seeing through wrapper programs. is one success all that's needed? it seems like there should be an opposed sleaze roll to keep your disguise. i think this needs clarification in the errata.