QUOTE (Kyoto Kid @ Apr 14 2008, 05:00 PM)

One of the biggest things I have always wondered about was where a runner's matrix accounts were in 4th. Certainly not with one of the established banks as they would have pretty strict security checks and detailed monitoring of all account transactions.
Why? Why the hell would they. They're banks. They don't care where the money comes from or where it goes as long as it sits in their vaults long enough for them to make a pretty penny by loaning people your money at a floating interest rate. Banks today have all sorts of security requirements because of anti-money laundering and anti-terrorism financing laws. Banks in Shadowrun tend to be the sort that can legally make their own laws and they tend to pay people to commit terrorist acts on their behalves. The way I see it, they'll have strict privacy laws, much like the laws in Switzerland and the Cayman Islands. The way I see it, in Shadowrun's extraterritorial banks, just like in Swiss banks of 1944, you can walk up to a teller and say in a thick German accent "I am a British businessman and I would like to open an account and deposit this large sack full of gold teeth" and they would accept those gold teeth without batting an eyelash.
As for other concerns, there is one important thing to remember about Shadowrun, biometrics are worthless for identification. They really are. Every biometric that can be scanned and used for identification can be changed without breaking the law.
Lets start with the most basic, fingerprints. In real life, fingerprints can be changed by wearing them down with abrasives or burning them off with acids. Bricklayers and other people who work with abrasives day in and day out and who don't wear gloves tend to not have fingerprints for this reason. And the fingerprints won't grow back the same, because fingerprints aren't genetic. In Shadowrun, people change their fingers. They don't do it all the time, but they can do it often enough that fingerprints are useless for identification. Maybe you were in a horrible woodchipper accident, maybe that cyberhand wasn't nearly as cool as you thought it was maybe you dishonored yourself in front of your very strict Japanese boss. For whatever reason, people get new fingers all the time. And some people go around with metal fingers just for the hell of it.
Then there is retina scans. In real life, they're difficult to lose and difficult to duplicate. In Shadowrun, they're the stupidest biometric that you could possible use. People get their eyes changed often enough for there to be eye fashions. Cybereyes are extremely common and are usually worn for vanity rather than for utility. They're a status symbol that even some homeless people have. Using retina patters to confirm identity is pretty much impossible in an enviroment where you can go to the mall, pick your favorite color of the cool new cybereye line and have your flesh-eyes scooped out and replaced right there in the store.
Height, weight, sex, distinguishing features, apparaet age, and apparent metatype are all mutable with UGE, SRUGE, and cosmetic surgery. (of course, you'll have to do a great deal of cutting and probably some organ replacement to make a troll look like a dwarf).
DNA is the most reliable biometric but it is also the most expensive to implement properly. Portable and commercial DNA scanners have trouble dealing with certain geneware techniques and are not reliable enough to be admissible in a court of law. A full series of laboratory tests can accurately identify even altered DNA, but they're time consuming and expensive.
The gist of it is that if you're a fifteen-foot-tall male Aussie troll with bone-spikes growing out of your body and a barbed poisonous tail but your SIN data says your a 5-foot human Filipino stay-at-home mother of three you can plausibly tell anyone who calls you on it that goblinization is a bitch and you did want to hurt your family but you couldn't keep living a lie anymore.
This, of course, means that there will be a great deal of handwaving within reason and while it may be mandatory to broadcast valid SINs no one is actually checking them to see if they match the broadcaster in any way, except in high security areas.
This leads us to my preferred way around a great deal of the silliness of interactions between mandatory SIN broadcasting and the SINless lifestyle: burners.
Burners are an idea stolen by me from The Wire and I'm pretty sure it is a real gang tactic. The idea of burners in real life is simple. You buy a disposable prepaid cellphone, the kind that you can refill with cards bought at any continence store, and you register it using fake information. Then, you use it for a while, but not so long that the authorities can link it to you. Before your minutes run out, you drop it on the street and you pick up one that someone else dropped. You tell everyone your new number, refill the new phone if you need to, use it for a few days, and then drop it and pick up a new one. Repeat. This prevents anyone from linking the phone to you. The key to prevent it from becoming absurdly expensive is twofold. First, disposable phones are cheap. Second, you're dropping your used phone into what is essentially a community pool and taking back from that pool so most of the time the new phone doesn't cost you anything.
Among the SINless in my games, burners are cheap comlinks with low-rating fake or stolen real SINs and low-end pre-paid cred accounts from extraterritorial banks loaded onto them. You pick up a burner and it probably has a couple of nuyen left in the account. You use it a couple of times at places where they don't bother asking questions, maybe you refill the cred account and use it for a while longer, and then you drop it with enough left on the account for the next guy to buy himself a soyburger and some fries and you pick up a new one. This practice allows the SINless to actually exist in the real world without leaving a traceable paper trail.
Another practice, this one common to the matrix savvy, is SIN banking. The idea is simple. There are places where everyone is expected to broadcast their SINs. Some of these places have thousands of visitors a day. You can just go to any public place and hang around for a couple of hours collecting totally legitimate SINs which you could then use a few times each at different places without arousing suspicion. The bold and the daring eavesdrop on wireless financial transactions and grab credit accounts, as well. Since the SINs are totally legitimate their is absolutely no chance that they'll fail inspection unless biometrics are called for. You keep some for yourself, sell some, and give some away to your friends. At a very popular mall you can collect hundreds in an hour.