Anonymous Coward writes "Yahoo reports Red Hat is buying this e-commerce company. Their product (credit card verification system) appears to be closed-sourced." I called Melissa London at Red Hat to find out the scoop; it's all open source above the API. Below that, the verification system makes use of the financial institution's proprietary protocols, which are made available to HKS under NDA. It's not perfect, but until the banks get clueful, it's the best we can hope for.