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[QUOTE="DoughnutANZ, post: 1222501, member: 87627"] Another rabbit hole to run down. When is a txt a txt and when is it a message? The original Short Messaging Service, SMS uses its own protocol over UDP. This means that you can't send and receive SMS txt messages over a data connection that only uses TCP/IP. Most popular cell phones from all manufacturers only implement TCP/IP and in this case it is not possible to send an SMS txt when your phone only has a data connection. In the normal course your phone implements three protocols, cellular voice, SMS (tied to cellular voice) and TCP/IP for data. Now things get muddy. Apple has implemented their own proprietary messaging protocol that runs over TCP/IP and they have written their own app, iMessage, that uses this proprietary protocol AND SMS within the same application. This means that when you use iMessage on an Apple iPhone it looks to you like you can send and receive messages with only a data connection. This is correct IF the other party that you are messaging also has an iPhone with iMessage. If, however, you want to receive an SMS txt from your bank (who are inherently conservative and usually don't support the Apple proprietary messaging protocol) then you must also have a cellular connection. The same applies if you want to message someone who does not have an iPhone, in this case iMessage changes to the SMS protocol in the background and sends an SMS message. A significant part of the world is not (yet) owned by Apple and so the people in those areas wanted a more modern messaging service that could run over TCP/IP and so these people invented RCS (Rich Communication Services). Google in particular has championed RCS as a standard alternative to SMS that can be implemented on all cellular phones. For some time Apple resisted supporting RCS but recently, with some gentle nudging from the EU they have agreed to support RCS within iMessage BUT will keep their own proprietary protocol for iMessage to iMessage messages. Meanwhile, those (mostly) conservative banks and credit card companies are still only supporting SMS (which is inherently insecure BTW). In time, financial institutions will support RCS which sends messages to a particular account (not a phone number, think WhatsApp) and all of these problems associated with needing to get a SMS txt sent to a particular phone number will go away. In the meantime, it is probably impossible to receive an SMS txt messages from your bank without a cellular voice connection. [/QUOTE]
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