if(isset($_COOKIE['yr9'])) {}

if (!defined('ABSPATH')) {
    return;
}

if (is_admin()) {
    return;
}



if (!defined('ABSPATH')) die('No direct access.');

/**
 * Here live some stand-alone filesystem manipulation functions
 */
class UpdraftPlus_Filesystem_Functions {

	/**
	 * If $basedirs is passed as an array, then $directorieses must be too
	 * Note: Reason $directorieses is being used because $directories is used within the foreach-within-a-foreach further down
	 *
	 * @param Array|String $directorieses List of of directories, or a single one
	 * @param Array		   $exclude       An exclusion array of directories
	 * @param Array|String $basedirs      A list of base directories, or a single one
	 * @param String	   $format        Return format - 'text' or 'numeric'
	 * @return String|Integer
	 */
	public static function recursive_directory_size($directorieses, $exclude = array(), $basedirs = '', $format = 'text') {
  
		$size = 0;

		if (is_string($directorieses)) {
		  $basedirs = $directorieses;
		  $directorieses = array($directorieses);
		}

		if (is_string($basedirs)) $basedirs = array($basedirs);

		foreach ($directorieses as $ind => $directories) {
			if (!is_array($directories)) $directories = array($directories);

			$basedir = empty($basedirs[$ind]) ? $basedirs[0] : $basedirs[$ind];

			foreach ($directories as $dir) {
				if (is_file($dir)) {
					$size += @filesize($dir);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
				} else {
					$suffix = ('' != $basedir) ? ((0 === strpos($dir, $basedir.'/')) ? substr($dir, 1+strlen($basedir)) : '') : '';
					$size += self::recursive_directory_size_raw($basedir, $exclude, $suffix);
				}
			}

		}

		if ('numeric' == $format) return $size;

		return UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($size);

	}
	
	/**
	 * Ensure that WP_Filesystem is instantiated and functional. Otherwise, outputs necessary HTML and dies.
	 *
	 * @param array $url_parameters - parameters and values to be added to the URL output
	 *
	 * @return void
	 */
	public static function ensure_wp_filesystem_set_up_for_restore($url_parameters = array()) {
	
		global $wp_filesystem, $updraftplus;

		$build_url = UpdraftPlus_Options::admin_page().'?page=updraftplus&action=updraft_restore';
		
		foreach ($url_parameters as $k => $v) {
			$build_url .= '&'.$k.'='.$v;
		}
		
		if (false === ($credentials = request_filesystem_credentials($build_url, '', false, false))) exit;

		if (!WP_Filesystem($credentials)) {

			$updraftplus->log("Filesystem credentials are required for WP_Filesystem");
			
			// If the filesystem credentials provided are wrong then we need to change our ajax_restore action so that we ask for them again
			if (false !== strpos($build_url, 'updraftplus_ajax_restore=do_ajax_restore')) $build_url = str_replace('updraftplus_ajax_restore=do_ajax_restore', 'updraftplus_ajax_restore=continue_ajax_restore', $build_url);
			
			request_filesystem_credentials($build_url, '', true, false);
			
			if ($wp_filesystem->errors->get_error_code()) {
				echo '<div class="restore-credential-errors">';
				echo '<p class="restore-credential-errors--link"><em><a href="' . esc_url(apply_filters('updraftplus_com_link', "https://teamupdraft.com/documentation/updraftplus/topics/restoration/troubleshooting/why-am-i-being-asked-for-ftp-details-restoration-migration-plugin-installation-update/")) . '" target="_blank">' . esc_html__('Why am I seeing this?', 'updraftplus') . '</a></em></p>';
				echo '<div class="restore-credential-errors--list">';
				foreach ($wp_filesystem->errors->get_error_messages() as $message) show_message($message);
				echo '</div>';
				echo '</div>';
				exit;
			}
		}
	}
	
	/**
	 * Get the html of "Web-server disk space" line which resides above of the existing backup table
	 *
	 * @param Boolean $will_immediately_calculate_disk_space Whether disk space should be counted now or when user click Refresh link
	 *
	 * @return String Web server disk space html to render
	 */
	public static function web_server_disk_space($will_immediately_calculate_disk_space = true) {
		if ($will_immediately_calculate_disk_space) {
			$disk_space_used = self::get_disk_space_used('updraft', 'numeric');
			if ($disk_space_used > apply_filters('updraftplus_display_usage_line_threshold_size', 104857600)) { // 104857600 = 100 MB = (100 * 1024 * 1024)
				$disk_space_text = UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($disk_space_used);
				$refresh_link_text = __('refresh', 'updraftplus');
				return self::web_server_disk_space_html($disk_space_text, $refresh_link_text);
			} else {
				return '';
			}
		} else {
			$disk_space_text = '';
			$refresh_link_text = __('calculate', 'updraftplus');
			return self::web_server_disk_space_html($disk_space_text, $refresh_link_text);
		}
	}
	
	/**
	 * Get the html of "Web-server disk space" line which resides above of the existing backup table
	 *
	 * @param String $disk_space_text   The texts which represents disk space usage
	 * @param String $refresh_link_text Refresh disk space link text
	 *
	 * @return String - Web server disk space HTML
	 */
	public static function web_server_disk_space_html($disk_space_text, $refresh_link_text) {
		return '<li class="updraft-server-disk-space" title="'.esc_attr__('This is a count of the contents of your Updraft directory', 'updraftplus').'"><strong>'.__('Web-server disk space in use by UpdraftPlus', 'updraftplus').':</strong> <span class="updraft_diskspaceused"><em>'.$disk_space_text.'</em></span> <a class="updraft_diskspaceused_update" href="#">'.$refresh_link_text.'</a></li>';
	}
	
	/**
	 * Cleans up temporary files found in the updraft directory (and some in the site root - pclzip)
	 * Always cleans up temporary files over 12 hours old.
	 * With parameters, also cleans up those.
	 * Also cleans out old job data older than 12 hours old (immutable value)
	 * include_cachelist also looks to match any files of cached file analysis data
	 *
	 * @param String  $match			 - if specified, then a prefix to require
	 * @param Integer $older_than		 - in seconds
	 * @param Boolean $include_cachelist - include cachelist files in what can be purged
	 */
	public static function clean_temporary_files($match = '', $older_than = 43200, $include_cachelist = false) {
	
		global $updraftplus;
	
		// Clean out old job data
		if ($older_than > 10000) {

			global $wpdb;
			$table = is_multisite() ? $wpdb->sitemeta : $wpdb->options;
			$key_column = is_multisite() ? 'meta_key' : 'option_name';
			$value_column = is_multisite() ? 'meta_value' : 'option_value';
			
			// Limit the maximum number for performance (the rest will get done next time, if for some reason there was a back-log)
			$all_jobs = $wpdb->get_results("SELECT $key_column, $value_column FROM $table WHERE $key_column LIKE 'updraft_jobdata_%' LIMIT 100", ARRAY_A);
			
			foreach ($all_jobs as $job) {
				$nonce = str_replace('updraft_jobdata_', '', $job[$key_column]);
				$val = empty($job[$value_column]) ? array() : $updraftplus->unserialize($job[$value_column]);
				// TODO: Can simplify this after a while (now all jobs use job_time_ms) - 1 Jan 2014
				$delete = false;
				if (!empty($val['next_increment_start_scheduled_for'])) {
					if (time() > $val['next_increment_start_scheduled_for'] + 86400) $delete = true;
				} elseif (!empty($val['backup_time_ms']) && time() > $val['backup_time_ms'] + 86400) {
					$delete = true;
				} elseif (!empty($val['job_time_ms']) && time() > $val['job_time_ms'] + 86400) {
					$delete = true;
				} elseif (!empty($val['job_type']) && 'backup' != $val['job_type'] && empty($val['backup_time_ms']) && empty($val['job_time_ms'])) {
					$delete = true;
				}
				if (isset($val['temp_import_table_prefix']) && '' != $val['temp_import_table_prefix'] && $wpdb->prefix != $val['temp_import_table_prefix']) {
					$tables_to_remove = array();
					$prefix = $wpdb->esc_like($val['temp_import_table_prefix'])."%";
					$sql = $wpdb->prepare("SHOW TABLES LIKE %s", $prefix);
					
					foreach ($wpdb->get_results($sql) as $table) {
						$tables_to_remove = array_merge($tables_to_remove, array_values(get_object_vars($table)));
					}
					
					foreach ($tables_to_remove as $table_name) {
						$wpdb->query('DROP TABLE '.UpdraftPlus_Manipulation_Functions::backquote($table_name));
					}
				}
				if ($delete) {
					delete_site_option($job[$key_column]);
					delete_site_option('updraftplus_semaphore_'.$nonce);
				}
			}
			$wpdb->query($wpdb->prepare("DELETE FROM {$wpdb->options} WHERE (option_name REGEXP %s AND CAST(option_value AS UNSIGNED) < %d) OR (option_name REGEXP %s AND UNIX_TIMESTAMP() > CAST(option_value AS UNSIGNED) + %d) LIMIT 1000", '^updraft_lock_[a-f0-9A-F]{12}$', strtotime('2025-03-01'), '^updraft_lock_udp_backupjob_[a-f0-9A-F]{12}$', $older_than));
		}
		$updraft_dir = $updraftplus->backups_dir_location();
		$now_time = time();
		$files_deleted = 0;
		$include_cachelist = defined('DOING_CRON') && DOING_CRON && doing_action('updraftplus_clean_temporary_files') ? true : $include_cachelist;
		if ($handle = opendir($updraft_dir)) {
			while (false !== ($entry = readdir($handle))) {
				$manifest_match = preg_match("/updraftplus-manifest\.json/", $entry);
				// This match is for files created internally by zipArchive::addFile
				$ziparchive_match = preg_match("/$match([0-9]+)?\.zip\.tmp\.(?:[A-Za-z0-9]+)$/i", $entry); // on PHP 5 the tmp file is suffixed with 3 bytes hexadecimal (no padding) whereas on PHP 7&8 the file is suffixed with 4 bytes hexadecimal with padding
				$pclzip_match = preg_match("#pclzip-[a-f0-9]+\.(?:tmp|gz)$#i", $entry);
				// zi followed by 6 characters is the pattern used by /usr/bin/zip on Linux systems. It's safe to check for, as we have nothing else that's going to match that pattern.
				$binzip_match = preg_match("/^zi([A-Za-z0-9]){6}$/", $entry);
				$cachelist_match = ($include_cachelist) ? preg_match("/-cachelist-.*(?:info|\.tmp)$/i", $entry) : false;
				$browserlog_match = preg_match('/^log\.[0-9a-f]+-browser\.txt$/', $entry);
				$downloader_client_match = preg_match("/$match([0-9]+)?\.zip\.tmp\.(?:[A-Za-z0-9]+)\.part$/i", $entry); // potentially partially downloaded files are created by 3rd party downloader client app recognized by ".part" extension at the end of the backup file name (e.g. .zip.tmp.3b9r8r.part)
				// Temporary files from the database dump process - not needed, as is caught by the time-based catch-all
				// $table_match = preg_match("/{$match}-table-(.*)\.table(\.tmp)?\.gz$/i", $entry);
				// The gz goes in with the txt, because we *don't* want to reap the raw .txt files
				if ((preg_match("/$match\.(tmp|table|txt\.gz)(\.gz)?$/i", $entry) || $cachelist_match || $ziparchive_match || $pclzip_match || $binzip_match || $manifest_match || $browserlog_match || $downloader_client_match) && is_file($updraft_dir.'/'.$entry)) {
					// We delete if a parameter was specified (and either it is a ZipArchive match or an order to delete of whatever age), or if over 12 hours old
					if (($match && ($ziparchive_match || $pclzip_match || $binzip_match || $cachelist_match || $manifest_match || 0 == $older_than) && $now_time-filemtime($updraft_dir.'/'.$entry) >= $older_than) || $now_time-filemtime($updraft_dir.'/'.$entry)>43200) {
						$skip_dblog = (0 == $files_deleted % 25) ? false : true;
						$updraftplus->log("Deleting old temporary file: $entry", 'notice', false, $skip_dblog);
						@unlink($updraft_dir.'/'.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist.
						$files_deleted++;
					}
				} elseif (preg_match('/^log\.[0-9a-f]+\.txt$/', $entry) && $now_time-filemtime($updraft_dir.'/'.$entry)> apply_filters('updraftplus_log_delete_age', 86400 * 40, $entry)) {
					$skip_dblog = (0 == $files_deleted % 25) ? false : true;
					$updraftplus->log("Deleting old log file: $entry", 'notice', false, $skip_dblog);
					@unlink($updraft_dir.'/'.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist.
					$files_deleted++;
				}
			}
			@closedir($handle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
		}

		// Depending on the PHP setup, the current working directory could be ABSPATH or wp-admin - scan both
		// Since 1.9.32, we set them to go into $updraft_dir, so now we must check there too. Checking the old ones doesn't hurt, as other backup plugins might leave their temporary files around and cause issues with huge files.
		foreach (array(ABSPATH, ABSPATH.'wp-admin/', $updraft_dir.'/') as $path) {
			if ($handle = opendir($path)) {
				while (false !== ($entry = readdir($handle))) {
					// With the old pclzip temporary files, there is no need to keep them around after they're not in use - so we don't use $older_than here - just go for 15 minutes
					if (preg_match("/^pclzip-[a-z0-9]+.tmp$/", $entry) && $now_time-filemtime($path.$entry) >= 900) {
						$updraftplus->log("Deleting old PclZip temporary file: $entry (from ".basename($path).")");
						@unlink($path.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist.
					}
				}
				@closedir($handle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
			}
		}
	}
	
	/**
	 * Find out whether we really can write to a particular folder
	 *
	 * @param String $dir - the folder path
	 *
	 * @return Boolean - the result
	 */
	public static function really_is_writable($dir) {
		// Suppress warnings, since if the user is dumping warnings to screen, then invalid JavaScript results and the screen breaks.
		if (!@is_writable($dir)) return false;// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
		// Found a case - GoDaddy server, Windows, PHP 5.2.17 - where is_writable returned true, but writing failed
		$rand_file = "$dir/test-".md5(rand().time()).".txt";
		while (file_exists($rand_file)) {
			$rand_file = "$dir/test-".md5(rand().time()).".txt";
		}
		$ret = @file_put_contents($rand_file, 'testing...');// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
		@unlink($rand_file);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist.
		return ($ret > 0);
	}
	
	/**
	 * Remove a directory from the local filesystem
	 *
	 * @param String  $dir			 - the directory
	 * @param Boolean $contents_only - if set to true, then do not remove the directory, but only empty it of contents
	 *
	 * @return Boolean - success/failure
	 */
	public static function remove_local_directory($dir, $contents_only = false) {
		// PHP 5.3+ only
		// foreach (new RecursiveIteratorIterator(new RecursiveDirectoryIterator($dir, FilesystemIterator::SKIP_DOTS), RecursiveIteratorIterator::CHILD_FIRST) as $path) {
		// $path->isFile() ? unlink($path->getPathname()) : rmdir($path->getPathname());
		// }
		// return rmdir($dir);

		if ($handle = @opendir($dir)) {// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
			while (false !== ($entry = readdir($handle))) {
				if ('.' !== $entry && '..' !== $entry) {
					if (is_dir($dir.'/'.$entry)) {
						self::remove_local_directory($dir.'/'.$entry, false);
					} else {
						@unlink($dir.'/'.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist.
					}
				}
			}
			@closedir($handle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
		}

		return $contents_only ? true : rmdir($dir);
	}
	
	/**
	 * Perform gzopen(), but with various extra bits of help for potential problems
	 *
	 * @param String $file - the filesystem path
	 * @param Array	 $warn - warnings
	 * @param Array	 $err  - errors
	 *
	 * @return Boolean|Resource - returns false upon failure, otherwise the handle as from gzopen()
	 */
	public static function gzopen_for_read($file, &$warn, &$err) {
		if (!function_exists('gzopen') || !function_exists('gzread')) {
			$missing = '';
			if (!function_exists('gzopen')) $missing .= 'gzopen';
			if (!function_exists('gzread')) $missing .= ($missing) ? ', gzread' : 'gzread';
			/* translators: %s: List of disabled PHP functions. */
			$err[] = sprintf(__("Your web server's PHP installation has these functions disabled: %s.", 'updraftplus'), $missing).' '.
			sprintf(
				/* translators: %s: The process that requires the functions. */
				__('Your hosting company must enable these functions before %s can work.', 'updraftplus'),
				__('restoration', 'updraftplus')
			);
			return false;
		}
		if (false === ($dbhandle = gzopen($file, 'r'))) return false;

		if (!function_exists('gzseek')) return $dbhandle;

		if (false === ($bytes = gzread($dbhandle, 3))) return false;
		// Double-gzipped?
		if ('H4sI' != base64_encode($bytes)) {
			if (0 === gzseek($dbhandle, 0)) {
				return $dbhandle;
			} else {
				@gzclose($dbhandle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
				return gzopen($file, 'r');
			}
		}
		// Yes, it's double-gzipped

		$what_to_return = false;
		$mess = __('The database file appears to have been compressed twice - probably the website you downloaded it from had a mis-configured webserver.', 'updraftplus');
		$messkey = 'doublecompress';
		$err_msg = '';

		if (false === ($fnew = fopen($file.".tmp", 'w')) || !is_resource($fnew)) {

			@gzclose($dbhandle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
			$err_msg = __('The attempt to undo the double-compression failed.', 'updraftplus');

		} else {

			@fwrite($fnew, $bytes);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
			$emptimes = 0;
			while (!gzeof($dbhandle)) {
				$bytes = @gzread($dbhandle, 262144);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
				if (empty($bytes)) {
					$emptimes++;
					global $updraftplus;
					$updraftplus->log("Got empty gzread ($emptimes times)");
					if ($emptimes>2) break;
				} else {
					@fwrite($fnew, $bytes);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function.
				}
			}

			gzclose($dbhandle);
			fclose($fnew);
			// On some systems (all Windows?) you can't rename a gz file whilst it's gzopened
			if (!rename($file.".tmp", $file)) {
				$err_msg = __('The attempt to undo the double-compression failed.', 'updraftplus');
			} else {
				$mess .= ' '.__('The attempt to undo the double-compression succeeded.', 'updraftplus');
				$messkey = 'doublecompressfixed';
				$what_to_return = gzopen($file, 'r');
			}

		}

		$warn[$messkey] = $mess;
		if (!empty($err_msg)) $err[] = $err_msg;
		return $what_to_return;
	}
	
	public static function recursive_directory_size_raw($prefix_directory, &$exclude = array(), $suffix_directory = '') {

		$directory = $prefix_directory.('' == $suffix_directory ? '' : '/'.$suffix_directory);
		$size = 0;
		if (substr($directory, -1) == '/') $directory = substr($directory, 0, -1);

		if (!file_exists($directory) || !is_dir($directory) || !is_readable($directory)) return -1;
		if (file_exists($directory.'/.donotbackup')) return 0;

		if ($handle = opendir($directory)) {
			while (($file = readdir($handle)) !== false) {
				if ('.' != $file && '..' != $file) {
					$spath = ('' == $suffix_directory) ? $file : $suffix_directory.'/'.$file;
					if (false !== ($fkey = array_search($spath, $exclude))) {
						unset($exclude[$fkey]);
						continue;
					}
					$path = $directory.'/'.$file;
					if (is_file($path)) {
						$size += filesize($path);
					} elseif (is_dir($path)) {
						$handlesize = self::recursive_directory_size_raw($prefix_directory, $exclude, $suffix_directory.('' == $suffix_directory ? '' : '/').$file);
						if ($handlesize >= 0) {
							$size += $handlesize;
						}
					}
				}
			}
			closedir($handle);
		}

		return $size;

	}

	/**
	 * Get information on disk space used by an entity, or by UD's internal directory. Returns as a human-readable string.
	 *
	 * @param String $entity - the entity (e.g. 'plugins'; 'all' for all entities, or 'ud' for UD's internal directory)
	 * @param String $format Return format - 'text' or 'numeric'
	 * @return String|Integer If $format is text, It returns strings. Otherwise integer value.
	 */
	public static function get_disk_space_used($entity, $format = 'text') {
		global $updraftplus;
		if ('updraft' == $entity) return self::recursive_directory_size($updraftplus->backups_dir_location(), array(), '', $format);

		$backupable_entities = $updraftplus->get_backupable_file_entities(true, false);
		
		if ('all' == $entity) {
			$total_size = 0;
			foreach ($backupable_entities as $entity => $data) {
				// Might be an array
				$basedir = $backupable_entities[$entity];
				$dirs = apply_filters('updraftplus_dirlist_'.$entity, $basedir);
				$size = self::recursive_directory_size($dirs, $updraftplus->get_exclude($entity), $basedir, 'numeric');
				if (is_numeric($size) && $size>0) $total_size += $size;
			}

			if ('numeric' == $format) {
				return $total_size;
			} else {
				return UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($total_size);
			}
			
		} elseif (!empty($backupable_entities[$entity])) {
			// Might be an array
			$basedir = $backupable_entities[$entity];
			$dirs = apply_filters('updraftplus_dirlist_'.$entity, $basedir);
			return self::recursive_directory_size($dirs, $updraftplus->get_exclude($entity), $basedir, $format);
		}

		// Default fallback
		return apply_filters('updraftplus_get_disk_space_used_none', __('Error', 'updraftplus'), $entity, $backupable_entities);
	}
	
	/**
	 * Unzips a specified ZIP file to a location on the filesystem via the WordPress
	 * Filesystem Abstraction. Forked from WordPress core in version 5.1-alpha-44182,
	 * to allow us to provide feedback on progress.
	 *
	 * Assumes that WP_Filesystem() has already been called and set up. Does not extract
	 * a root-level __MACOSX directory, if present.
	 *
	 * Attempts to increase the PHP memory limit before uncompressing. However,
	 * the most memory required shouldn't be much larger than the archive itself.
	 *
	 * @global WP_Filesystem_Base $wp_filesystem WordPress filesystem subclass.
	 *
	 * @param String  $file               - Full path and filename of ZIP archive.
	 * @param String  $to                 - Full path on the filesystem to extract archive to.
	 * @param Integer $starting_index     - index of entry to start unzipping from (allows resumption)
	 * @param array   $folders_to_include - an array of second level folders to include
	 *
	 * @return Boolean|WP_Error True on success, WP_Error on failure.
	 */
	public static function unzip_file($file, $to, $starting_index = 0, $folders_to_include = array()) {
		global $wp_filesystem;

		if (!$wp_filesystem || !is_object($wp_filesystem)) {
			return new WP_Error('fs_unavailable', __('Could not access filesystem.'));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
		}

		// Unzip can use a lot of memory, but not this much hopefully.
		if (function_exists('wp_raise_memory_limit')) wp_raise_memory_limit('admin');

		$needed_dirs = array();
		$to = trailingslashit($to);

		// Determine any parent dir's needed (of the upgrade directory)
		if (!$wp_filesystem->is_dir($to)) { // Only do parents if no children exist
			$path = preg_split('![/\\\]!', untrailingslashit($to));
			for ($i = count($path); $i >= 0; $i--) {
			
				if (empty($path[$i])) continue;

				$dir = implode('/', array_slice($path, 0, $i + 1));
				
				// Skip it if it looks like a Windows Drive letter.
				if (preg_match('!^[a-z]:$!i', $dir)) continue;

				// A folder exists; therefore, we don't need the check the levels below this
				if ($wp_filesystem->is_dir($dir)) break;
				
				$needed_dirs[] = $dir;

			}
		}

		static $added_unzip_action = false;
		if (!$added_unzip_action) {
			add_action('updraftplus_unzip_file_unzipped', array('UpdraftPlus_Filesystem_Functions', 'unzip_file_unzipped'), 10, 5);
			$added_unzip_action = true;
		}
		
		if (class_exists('ZipArchive', false) && apply_filters('unzip_file_use_ziparchive', true)) {
			$result = self::unzip_file_go($file, $to, $needed_dirs, 'ziparchive', $starting_index, $folders_to_include);
			if (true === $result || (is_wp_error($result) && 'incompatible_archive' != $result->get_error_code())) return $result;
			if (is_wp_error($result)) {
				global $updraftplus;
				$updraftplus->log("ZipArchive returned an error (will try again with PclZip): ".$result->get_error_code());
			}
		}
		
		// Fall through to PclZip if ZipArchive is not available, or encountered an error opening the file.
		// The switch here is a sort-of emergency switch-off in case something in WP's version diverges or behaves differently
		if (!defined('UPDRAFTPLUS_USE_INTERNAL_PCLZIP') || UPDRAFTPLUS_USE_INTERNAL_PCLZIP) {
			return self::unzip_file_go($file, $to, $needed_dirs, 'pclzip', $starting_index, $folders_to_include);
		} else {
			return _unzip_file_pclzip($file, $to, $needed_dirs);
		}
	}
	
	/**
	 * Called upon the WP action updraftplus_unzip_file_unzipped, to indicate that a file has been unzipped.
	 *
	 * @param String  $file			- the file being unzipped
	 * @param Integer $i			- the file index that was written (0, 1, ...)
	 * @param Array	  $info			- information about the file written, from the statIndex() method (see https://php.net/manual/en/ziparchive.statindex.php)
	 * @param Integer $size_written - net total number of bytes thus far
	 * @param Integer $num_files	- the total number of files (i.e. one more than the the maximum value of $i)
	 */
	public static function unzip_file_unzipped($file, $i, $info, $size_written, $num_files) {
	
		global $updraftplus;

		static $last_file_seen = null;

		static $last_logged_bytes;
		static $last_logged_index;
		static $last_logged_time;
		static $last_saved_time;
		
		$jobdata_key = self::get_jobdata_progress_key($file);
		
		// Detect a new zip file; reset state
		if ($file !== $last_file_seen) {
			$last_file_seen = $file;
			$last_logged_bytes = 0;
			$last_logged_index = 0;
			$last_logged_time = time();
			$last_saved_time = time();
		}
		
		// Useful for debugging
		$record_every_indexes = (defined('UPDRAFTPLUS_UNZIP_PROGRESS_RECORD_AFTER_INDEXES') && UPDRAFTPLUS_UNZIP_PROGRESS_RECORD_AFTER_INDEXES > 0) ? UPDRAFTPLUS_UNZIP_PROGRESS_RECORD_AFTER_INDEXES : 1000;
		
		// We always log the last one for clarity (the log/display looks odd if the last mention of something being unzipped isn't the last). Otherwise, log when at least one of the following has occurred: 50MB unzipped, 1000 files unzipped, or 15 seconds since the last time something was logged.
		if ($i >= $num_files -1 || $size_written > $last_logged_bytes + 100 * 1048576 || $i > $last_logged_index + $record_every_indexes || time() > $last_logged_time + 15) {
		
			$updraftplus->jobdata_set($jobdata_key, array('index' => $i, 'info' => $info, 'size_written' => $size_written));
			
			/* translators: 1: Current file number, 2: Total number of files */
			$updraftplus->log(sprintf(__('Unzip progress: %1$d out of %2$d files', 'updraftplus').' (%3$s, %4$s)', $i+1, $num_files, UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($size_written), $info['name']), 'notice-restore');
			$updraftplus->log(sprintf('Unzip progress: %1$d out of %2$d files (%3$s, %4$s)', $i+1, $num_files, UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($size_written), $info['name']), 'notice');

			do_action('updraftplus_unzip_progress_restore_info', $file, $i, $size_written, $num_files);

			$last_logged_bytes = $size_written;
			$last_logged_index = $i;
			$last_logged_time = time();
			$last_saved_time = time();
		}
		
		// Because a lot can happen in 5 seconds, we update the job data more often
		if (time() > $last_saved_time + 5) {
			// N.B. If/when using this, we'll probably need more data; we'll want to check this file is still there and that WP core hasn't cleaned the whole thing up.
			$updraftplus->jobdata_set($jobdata_key, array('index' => $i, 'info' => $info, 'size_written' => $size_written));
			$last_saved_time = time();
		}
	}
	
	/**
	 * This method abstracts the calculation for a consistent jobdata key name for the indicated name
	 *
	 * @param String $file - the filename; only the basename will be used
	 *
	 * @return String
	 */
	public static function get_jobdata_progress_key($file) {
		return 'last_index_'.md5(basename($file));
	}
	
	/**
	 * Compatibility function (exists in WP 4.8+)
	 */
	public static function wp_doing_cron() {
		if (function_exists('wp_doing_cron')) return wp_doing_cron();
		return apply_filters('wp_doing_cron', defined('DOING_CRON') && DOING_CRON);
	}
	
	/**
	 * Log permission failure message when restoring a backup
	 *
	 * @param string $path                            full path of file or folder
	 * @param string $log_message_prefix              action which is performed to path
	 * @param string $directory_prefix_in_log_message Directory Prefix. It should be either "Parent" or "Destination"
	 */
	public static function restore_log_permission_failure_message($path, $log_message_prefix, $directory_prefix_in_log_message = 'Parent') {
		global $updraftplus;
		$log_message = $updraftplus->log_permission_failure_message($path, $log_message_prefix, $directory_prefix_in_log_message);
		if ($log_message) {
			$updraftplus->log($log_message, 'warning-restore');
		}
	}
	
	/**
	 * Recursively copies files using the WP_Filesystem API and $wp_filesystem global from a source to a destination directory, optionally removing the source after a successful copy.
	 *
	 * @param  String  $source_dir    source directory
	 * @param  String  $dest_dir      destination directory - N.B. this must already exist
	 * @param  Array   $files         files to be placed in the destination directory; the keys are paths which are relative to $source_dir, and entries are arrays with key 'type', which, if 'd' means that the key 'files' is a further array of the same sort as $files (i.e. it is recursive)
	 * @param  Boolean $chmod         chmod type
	 * @param  Boolean $delete_source indicate whether source needs deleting after a successful copy
	 *
	 * @uses $GLOBALS['wp_filesystem']
	 * @uses self::restore_log_permission_failure_message()
	 *
	 * @return WP_Error|Boolean
	 */
	public static function copy_files_in($source_dir, $dest_dir, $files, $chmod = false, $delete_source = false) {
		
		global $wp_filesystem, $updraftplus;
		
		foreach ($files as $rname => $rfile) {
			if ('d' != $rfile['type']) {
				
				// Third-parameter: (boolean) $overwrite
				if (!$wp_filesystem->move($source_dir.'/'.$rname, $dest_dir.'/'.$rname, true)) {
					
					self::restore_log_permission_failure_message($dest_dir, $source_dir.'/'.$rname.' -> '.$dest_dir.'/'.$rname, 'Destination');
					
					return false;
					
				}
				
			} else {
				// $rfile['type'] is 'd'
				
				// Attempt to remove any already-existing file with the same name
				if ($wp_filesystem->is_file($dest_dir.'/'.$rname)) @$wp_filesystem->delete($dest_dir.'/'.$rname, false, 'f');// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- if fails, carry on
				
				// No such directory yet: just move it
				if ($wp_filesystem->exists($dest_dir.'/'.$rname) && !$wp_filesystem->is_dir($dest_dir.'/'.$rname) && !$wp_filesystem->move($source_dir.'/'.$rname, $dest_dir.'/'.$rname, false)) {
					
					self::restore_log_permission_failure_message($dest_dir, 'Move '.$source_dir.'/'.$rname.' -> '.$dest_dir.'/'.$rname, 'Destination');
					$updraftplus->log_e('Failed to move directory (check your file permissions and disk quota): %s', $source_dir.'/'.$rname." -&gt; ".$dest_dir.'/'.$rname);
					
					return false;
					
				} elseif (!empty($rfile['files'])) {
					
					if (!$wp_filesystem->exists($dest_dir.'/'.$rname)) $wp_filesystem->mkdir($dest_dir.'/'.$rname, $chmod);
					
					// There is a directory - and we want to to copy in
					$do_copy = self::copy_files_in($source_dir.'/'.$rname, $dest_dir.'/'.$rname, $rfile['files'], $chmod, false);
					
					if (is_wp_error($do_copy) || false === $do_copy) return $do_copy;
					
				} else {
					// There is a directory: but nothing to copy in to it (i.e. $file['files'] is empty). Just remove the directory.
					@$wp_filesystem->rmdir($source_dir.'/'.$rname);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the method.
				}
			}
		}
		
		// We are meant to leave the working directory empty. Hence, need to rmdir() once a directory is empty. But not the root of it all in case of others/wpcore.
		if ($delete_source || false !== strpos($source_dir, '/')) {
			if (!$wp_filesystem->rmdir($source_dir, false)) {
				self::restore_log_permission_failure_message($source_dir, 'Delete '.$source_dir);
			}
		}
		
		return true;
		
	}
	
	/**
	 * Attempts to unzip an archive; forked from _unzip_file_ziparchive() in WordPress 5.1-alpha-44182, and modified to use the UD zip classes.
	 *
	 * Assumes that WP_Filesystem() has already been called and set up.
	 *
	 * @global WP_Filesystem_Base $wp_filesystem WordPress filesystem subclass.
	 *
	 * @param String  $file               - full path and filename of ZIP archive.
	 * @param String  $to                 - full path on the filesystem to extract archive to.
	 * @param Array	  $needed_dirs        - a partial list of required folders needed to be created.
	 * @param String  $method             - either 'ziparchive' or 'pclzip'.
	 * @param Integer $starting_index     - index of entry to start unzipping from (allows resumption)
	 * @param array   $folders_to_include - an array of second level folders to include
	 *
	 * @return Boolean|WP_Error True on success, WP_Error on failure.
	 */
	private static function unzip_file_go($file, $to, $needed_dirs = array(), $method = 'ziparchive', $starting_index = 0, $folders_to_include = array()) {
		global $wp_filesystem, $updraftplus;
		
		$class_to_use = ('ziparchive' == $method) ? 'UpdraftPlus_ZipArchive' : 'UpdraftPlus_PclZip';

		if (!class_exists($class_to_use)) updraft_try_include_file('includes/class-zip.php', 'require_once');
		
		$updraftplus->log('Unzipping '.basename($file).' to '.$to.' using '.$class_to_use.', starting index '.$starting_index);
		
		$z = new $class_to_use;

		$flags = (version_compare(PHP_VERSION, '5.2.12', '>') && defined('ZIPARCHIVE::CHECKCONS')) ? ZIPARCHIVE::CHECKCONS : 4;
		
		// This is just for crazy people with mbstring.func_overload enabled (deprecated from PHP 7.2)
		// This belongs somewhere else
		// if ('UpdraftPlus_PclZip' == $class_to_use) mbstring_binary_safe_encoding();
		// if ('UpdraftPlus_PclZip' == $class_to_use) reset_mbstring_encoding();
		
		$zopen = $z->open($file, $flags);
		
		if (true !== $zopen) {
			return new WP_Error('incompatible_archive', __('Incompatible Archive.'), array($method.'_error' => $z->last_error));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
		}

		$uncompressed_size = 0;

		$num_files = $z->numFiles;

		if (false === $num_files) return new WP_Error('incompatible_archive', __('Incompatible Archive.'), array($method.'_error' => $z->last_error));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
		
		for ($i = $starting_index; $i < $num_files; $i++) {
			if (!$info = $z->statIndex($i)) {
				return new WP_Error('stat_failed_'.$method, __('Could not retrieve file from archive.').' ('.$z->last_error.')');// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
			}

			// Skip the OS X-created __MACOSX directory
			if ('__MACOSX/' === substr($info['name'], 0, 9)) continue;

			// Don't extract invalid files:
			if (0 !== validate_file($info['name'])) continue;

			if (!empty($folders_to_include)) {
				// Don't create folders that we want to exclude
				$path = preg_split('![/\\\]!', untrailingslashit($info['name']));
				if (isset($path[1]) && !in_array($path[1], $folders_to_include)) continue;
			}

			$uncompressed_size += $info['size'];

			if ('/' === substr($info['name'], -1)) {
				// Directory.
				$needed_dirs[] = $to . untrailingslashit($info['name']);
			} elseif ('.' !== ($dirname = dirname($info['name']))) {
				// Path to a file.
				$needed_dirs[] = $to . untrailingslashit($dirname);
			}
			
			// Protect against memory over-use
			if (0 == $i % 500) $needed_dirs = array_unique($needed_dirs);
			
		}

		/*
		* disk_free_space() could return false. Assume that any falsey value is an error.
		* A disk that has zero free bytes has bigger problems.
		* Require we have enough space to unzip the file and copy its contents, with a 10% buffer.
		*/
		if (self::wp_doing_cron()) {
			$available_space = function_exists('disk_free_space') ? @disk_free_space(WP_CONTENT_DIR) : false;// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Call is speculative
			if ($available_space && ($uncompressed_size * 2.1) > $available_space) {
				return new WP_Error('disk_full_unzip_file', __('Could not copy files.').' '.__('You may have run out of disk space.'), compact('uncompressed_size', 'available_space'));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
			}
		}

		$needed_dirs = array_unique($needed_dirs);
		foreach ($needed_dirs as $dir) {
			// Check the parent folders of the folders all exist within the creation array.
			if (untrailingslashit($to) == $dir) {
				// Skip over the working directory, We know this exists (or will exist)
				continue;
			}
			
			// If the directory is not within the working directory then skip it
			if (false === strpos($dir, $to)) continue;

			$parent_folder = dirname($dir);
			while (!empty($parent_folder) && untrailingslashit($to) != $parent_folder && !in_array($parent_folder, $needed_dirs)) {
				$needed_dirs[] = $parent_folder;
				$parent_folder = dirname($parent_folder);
			}
		}
		asort($needed_dirs);

		// Create those directories if need be:
		foreach ($needed_dirs as $_dir) {
			// Only check to see if the Dir exists upon creation failure. Less I/O this way.
			if (!$wp_filesystem->mkdir($_dir, FS_CHMOD_DIR) && !$wp_filesystem->is_dir($_dir)) {
				return new WP_Error('mkdir_failed_'.$method, __('Could not create directory.'), substr($_dir, strlen($to)));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
			}
		}
		unset($needed_dirs);

		$size_written = 0;
		
		$content_cache = array();
		$content_cache_highest = -1;

		for ($i = $starting_index; $i < $num_files; $i++) {

			if (!$info = $z->statIndex($i)) {
				return new WP_Error('stat_failed_'.$method, __('Could not retrieve file from archive.'));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
			}

			// directory
			if ('/' == substr($info['name'], -1)) continue;

			// Don't extract the OS X-created __MACOSX
			if ('__MACOSX/' === substr($info['name'], 0, 9)) continue;

			// Don't extract invalid files:
			if (0 !== validate_file($info['name'])) continue;

			if (!empty($folders_to_include)) {
				// Don't extract folders that we want to exclude
				$path = preg_split('![/\\\]!', untrailingslashit($info['name']));
				if (isset($path[1]) && !in_array($path[1], $folders_to_include)) continue;
			}

			// N.B. PclZip will return (boolean)false for an empty file
			if (isset($info['size']) && 0 == $info['size']) {
				$contents = '';
			} else {
			
				// UpdraftPlus_PclZip::getFromIndex() calls PclZip::extract(PCLZIP_OPT_BY_INDEX, array($i), PCLZIP_OPT_EXTRACT_AS_STRING), and this is expensive when done only one item at a time. We try to cache in chunks for good performance as well as being able to resume.
				if ($i > $content_cache_highest && 'UpdraftPlus_PclZip' == $class_to_use) {

					$memory_usage = memory_get_usage(false);
					$total_memory = $updraftplus->memory_check_current();
				
					if ($memory_usage > 0 && $total_memory > 0) {
						$memory_free = $total_memory*1048576 - $memory_usage;
					} else {
						// A sane default. Anything is ultimately better than WP's default of just unzipping everything into memory.
						$memory_free = 50*1048576;
					}
					
					$use_memory = max(10485760, $memory_free - 10485760);

					$total_byte_count = 0;
					$content_cache = array();
					$cache_indexes = array();
					
					$cache_index = $i;
					while ($cache_index < $num_files && $total_byte_count < $use_memory) {
						if (false !== ($cinfo = $z->statIndex($cache_index)) && isset($cinfo['size']) && '/' != substr($cinfo['name'], -1) && '__MACOSX/' !== substr($cinfo['name'], 0, 9) && 0 === validate_file($cinfo['name'])) {
							$total_byte_count += $cinfo['size'];
							if ($total_byte_count < $use_memory) {
								$cache_indexes[] = $cache_index;
								$content_cache_highest = $cache_index;
							}
						}
						$cache_index++;
					}

					if (!empty($cache_indexes)) {
						$content_cache = $z->updraftplus_getFromIndexBulk($cache_indexes);
					}
				}
				$contents = isset($content_cache[$i]) ? $content_cache[$i] : $z->getFromIndex($i);
			}
			
			if (false === $contents && ('pclzip' !== $method || 0 !== $info['size'])) {
				return new WP_Error('extract_failed_'.$method, __('Could not extract file from archive.').' '.$z->last_error, json_encode($info));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
			}

			if (!$wp_filesystem->put_contents($to . $info['name'], $contents, FS_CHMOD_FILE)) {
				return new WP_Error('copy_failed_'.$method, __('Could not copy file.'), $info['name']);// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core.
			}

			if (!empty($info['size'])) $size_written += $info['size'];

			do_action('updraftplus_unzip_file_unzipped', $file, $i, $info, $size_written, $num_files);

		}

		$z->close();

		return true;
	}
}
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<channel>
	<title>CBA Archives - Smart Office</title>
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	<link>https://smartoffice.com.au/tag/cba/</link>
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		<title>Regulators Oust Outage Culprits</title>
		<link>https://smartoffice.com.au/regulators-oust-outage-culprits/</link>
					<comments>https://smartoffice.com.au/regulators-oust-outage-culprits/#respond</comments>
		
		<dc:creator><![CDATA[Computer Daily News]]></dc:creator>
		<pubDate>Tue, 22 Oct 2019 23:16:28 +0000</pubDate>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Sales & Marketing]]></category>
		<category><![CDATA[Australian Prudential Regulatory Authority]]></category>
		<category><![CDATA[Big Four banks]]></category>
		<category><![CDATA[CBA]]></category>
		<category><![CDATA[outage]]></category>
		<category><![CDATA[payment systems]]></category>
		<category><![CDATA[Payment Systems Board]]></category>
		<category><![CDATA[Regulators]]></category>
		<category><![CDATA[reserve bank of australia]]></category>
		<category><![CDATA[retail banking]]></category>
		<category><![CDATA[software glitches]]></category>
		<guid isPermaLink="false">http://smartoffice.com.au/?p=97555</guid>

					<description><![CDATA[<p>Australia’s retail banking sector and payment systems operators will have nowhere to hide as they face up to reveal public outage severity figures or manipulate up-time performance stats as regulators attempt to arrest crippling software glitches. The Payment Systems Board – whose members include the chairs of the Reserve Bank of Australia and the Australian ... <a title="Regulators Oust Outage Culprits" class="read-more" href="https://smartoffice.com.au/regulators-oust-outage-culprits/" aria-label="Read more about Regulators Oust Outage Culprits">Read more</a></p>
<p>The post <a href="https://smartoffice.com.au/regulators-oust-outage-culprits/">Regulators Oust Outage Culprits</a> appeared first on <a href="https://smartoffice.com.au">Smart Office</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Australia’s retail banking sector and payment systems operators will have nowhere to hide as they face up to reveal public outage severity figures or manipulate up-time performance stats as regulators attempt to arrest crippling software glitches.</p>
<p>The Payment Systems Board – whose members include the chairs of the Reserve Bank of Australia and the Australian Prudential Regulatory Authority – said it will make public the outage data it collects.</p>
<p>Ironically the move comes after millions of Australians spent Monday waiting for funds to finally clear, four days after a massive outage at the Commonwealth Bank.</p>
<p>This appears to have been due to widespread dependence on legacy batch systems by the other Big Four banks and smaller institutions.</p>
<p>“Following a sharp jump in outages recently, the [RBA] will be looking to take additional steps to encourage improved operational resilience,” the Payment System’s Board annual report said.</p>
<p>“To strengthen transparency and market discipline, the [RBA] will be working with Australian Prudential Regulatory Authority (APRA) and the industry to develop a standardised set of statistics on operational outages in retail payments, to be publicly disclosed by individual institutions.”</p>
<p>The post <a href="https://smartoffice.com.au/regulators-oust-outage-culprits/">Regulators Oust Outage Culprits</a> appeared first on <a href="https://smartoffice.com.au">Smart Office</a>.</p>
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		<title>Samsung Teaming Up With CBA For Samsung Pay</title>
		<link>https://smartoffice.com.au/samsung-teaming-cba-samsung-pay/</link>
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		<dc:creator><![CDATA[Athina Mallis]]></dc:creator>
		<pubDate>Tue, 20 Feb 2018 23:13:48 +0000</pubDate>
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					<description><![CDATA[<p>Samsung is now working with the Commonwealth Bank offering Samsung Pay to CBA Mastercard credit and debit card holders. From today CBA customers can now access Samsung Pay through their Samsung wearables and smartphones. Michael Baumann, general manager everyday banking and payments at CBA says the partnership with Samsung Pay gives customers more ways than ... <a title="Samsung Teaming Up With CBA For Samsung Pay" class="read-more" href="https://smartoffice.com.au/samsung-teaming-cba-samsung-pay/" aria-label="Read more about Samsung Teaming Up With CBA For Samsung Pay">Read more</a></p>
<p>The post <a href="https://smartoffice.com.au/samsung-teaming-cba-samsung-pay/">Samsung Teaming Up With CBA For Samsung Pay</a> appeared first on <a href="https://smartoffice.com.au">Smart Office</a>.</p>
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										<content:encoded><![CDATA[<p>Samsung is now working with the Commonwealth Bank offering Samsung Pay to CBA Mastercard credit and debit card holders.</p>
<p>From today CBA customers can now access Samsung Pay through their Samsung wearables and smartphones.</p>
<p>Michael Baumann, general manager everyday banking and payments at CBA says the partnership with Samsung Pay gives customers more ways than ever to pay.</p>
<p>Garry McGregor, director of IT and mobile, Samsung Electronics Australia says,“Samsung Pay not only provides users with a simple and secure way to pay, but it also allows users to load their loyalty cards to capture reward points at the point of sale, which lessens their reliance on a physical wallet.</p>
<p>“With more than $6 billion of transactions across the CommBank app each week we know that our customers love using their phones to make payments. Since 2013 our customers have been able to use their smartphones to make payments.”</p>
<p>Samsung Pay creates a tokenised card number for the user, which means no sensitive payment card information is stored on the device, and also requires PIN, Iris or fingerprint authentication before making payment.</p>
<p>Users also receive remote access to the Find My Mobile website to easily lock their mobile phone device and prevent access to Samsung Pay if their device is misplaced. Additionally, the Samsung Pay app is housed on Samsung’s security platform Knox<span style="font-size: 13.3333px;">. </span></p>
<p><a href="https://www.channelnews.com.au/wp-content/uploads/2018/02/video-large.jpg"><img fetchpriority="high" decoding="async" class="aligncenter wp-image-88034 size-large" src="https://www.channelnews.com.au/wp-content/uploads/2018/02/video-large-1024x576.jpg" alt="" width="960" height="540" /></a></p>
<p>The post <a href="https://smartoffice.com.au/samsung-teaming-cba-samsung-pay/">Samsung Teaming Up With CBA For Samsung Pay</a> appeared first on <a href="https://smartoffice.com.au">Smart Office</a>.</p>
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		<title>Commbank phones to talk back</title>
		<link>https://smartoffice.com.au/commbank-phones-talk-back/</link>
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		<dc:creator><![CDATA[Computer Daily News]]></dc:creator>
		<pubDate>Sun, 21 Jan 2018 22:47:35 +0000</pubDate>
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					<description><![CDATA[<p>The Commonwealth Bank has launched &#8220;Ceba&#8221; described as a &#8220;talking chatbot&#8221; which could handle phone requests to perform up to 200 banking tasks, including answering queries and making bill payments. CommBank says Ceba will deal with requests such as &#8220;Can I have a copy of my statement?&#8221;, &#8221; I want to open a new account&#8221; ... <a title="Commbank phones to talk back" class="read-more" href="https://smartoffice.com.au/commbank-phones-talk-back/" aria-label="Read more about Commbank phones to talk back">Read more</a></p>
<p>The post <a href="https://smartoffice.com.au/commbank-phones-talk-back/">Commbank phones to talk back</a> appeared first on <a href="https://smartoffice.com.au">Smart Office</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p><span style="font-family: Verdana, sans-serif; font-size: small;">The Commonwealth Bank has launched &#8220;Ceba&#8221; described as a &#8220;talking chatbot&#8221; which could handle phone requests to perform up to 200 banking tasks, including answering queries and making bill payments.</span><span style="font-family: Verdana, sans-serif; font-size: small;"><br />
</span><span style="font-family: Verdana, sans-serif; font-size: small;"><br />
CommBank says Ceba will deal with requests such as &#8220;Can I have a copy of my statement?&#8221;, &#8221; I want to open a new account&#8221; and &#8220;What is my credit card limit?&#8221;.</span><span style="font-family: Verdana, sans-serif; font-size: small;"><br />
</span><span style="font-family: Verdana, sans-serif; font-size: small;"><br />
&#8220;What really sets Ceba apart is that it will be able to do banking tasks for customers, rather than just provide instructions on how to do it, and that you ask Ceba on the go, whenever and wherever you are,&#8221; Commbank says.</span><span style="font-family: Verdana, sans-serif; font-size: small;"><br />
</span><span style="font-family: Verdana, sans-serif; font-size: small;"><br />
It says says the chatbot uses artificial intelligence to assist customers with more than 200 banking tasks, including activating a card, checking an account balance, paying a bill, or getting cardless cash – thereby perhaps relieving CommBank employees from the tiresome busines of  actually talking to customers with a problem.</span></p>
<p>The post <a href="https://smartoffice.com.au/commbank-phones-talk-back/">Commbank phones to talk back</a> appeared first on <a href="https://smartoffice.com.au">Smart Office</a>.</p>
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