Chapter 4 E-commerce Security and Payment Systems
|
|
|
- Byron Wheeler
- 6 years ago
- Views:
Transcription
1 Chapter 4 E-commerce Security and Payment Systems Copyright 2016 Pearson Education, Ltd.
2 4.5 E-COMMERCE PAYMENT SYSTEMS Copyright 2016 Pearson Education, Ltd. Slide 1-2
3 E-commerce Payment Systems In this section, we provide an overview of the major e-commerce payment systems in use today Alternative payment methods: Credit cards Debit cards Online stored value payment system (PayPal) Other alternatives: Amazon Payments, and Bill Me Later Mobile payments Social/mobile peer-to-peer payment systems Digital cash and virtual currencies Cash on delivery (COD) Copyright 2016 Pearson Education, Ltd.
4 ONLINE CREDIT CARD TRANSACTIONS Credit cards: It enables its holder to charge items (and pay later), or obtain cash up to the cardholder s authorized limit. With each purchase, the credit card holder receives a loan from the credit card issuers. Debit cards: Payments made with a debit card are withdrawn from the holder s checking or savings account. The actual transfer of funds usually takes place in real time from the holder s account. E. x,. MasterCard and Visa. Credit cards 46% of online payments in 2014 (United States) Debit cards 32% online payments in 2014 (United States) Copyright 2016 Pearson Education, Ltd. Slide 1-4
5 ONLINE CREDIT CARD TRANSACTIONS These types of purchases are also called Cardholder Not Present (CNP) transactions Following figure illustrates the online credit card purchasing cycle. ( 5 parties involved) Merchant account is simply a bank account that allows companies to process credit card payments and receive funds from those transactions. Clearinghouse is a financial intermediary that authenticates credit cards and verifies account balances Copyright 2016 Pearson Education, Ltd. Slide 1-5
6 How an Online Credit Transaction Works (Acquiring Bank) (credit card association) Copyright 2016 Pearson Education, Ltd. Slide 1-6
7 Credit Card E-commerce Enablers Internet Payment service provider (payment gateways) is the company that provides electronic connections and transaction services among all the parties involved in electronic Payments. It Provide both a merchant account and the software tools needed to process credit card purchases online Examples: Authorize.net CyberSource (international firm which is part of VISA) Copyright 2016 Pearson Education, Ltd. Slide 1-7
8 PCI-DSS Compliance The PCI-DSS (Payment Card Industry-Data Security Standard) is a data security standard instituted by the five major credit card companies (Visa, MasterCard, American Express, Discover, and JCB). Every online merchant must comply with the appropriate level of PCI-DSS in order to accept credit card payments. Those that fail to comply and are involved in a credit card breach may ultimately be subjected to fines and other expenses. PCI-DSS has various levels, related to the number of credit/debit cards processed by the merchant each year Copyright 2016 Pearson Education, Ltd. Slide 1-8
9 PCI-DSS Compliance It requires the merchant to: a. build and maintain a secure network b. protect cardholder data c. maintain a vulnerability management program d. implement strong access control measures e. regularly test and monitor networks f. maintain an information security policy. Each of these six broad control objectives has further specific requirements that must be met. See Copyright 2016 Pearson Education, Ltd. Slide 1-9
10 E-commerce Payment Systems Limitations of online credit card payment Security, merchant risk Administrative cost Transaction cost Social equity Copyright 2016 Pearson Education, Ltd. Slide 1-10
11 Alternative Online Payment Systems Online stored value systems: Permits consumers to make instant, online payments to merchants and other individuals based on value stored in an online account Example: PayPal Copyright 2016 Pearson Education, Ltd. Slide 1-11
12 Alternative Online Payment Systems Other alternatives: Which enable consumers to shop online at a wide variety of merchants without having to provide credit card information each time they make a purchase. Examples: Amazon Payments (see: Visa Checkout (see: Bill Me Later WUPay, Dwolla, Stripe Copyright 2016 Pearson Education, Ltd. Slide 1-12
13 Mobile Payment Systems (Mobile Wallet) Using a mobile device as a vehicle for e-commerce and as a payment method at physical point-of-sale Use of mobile phones as payment devices established in Europe and Asia and is now exploding in the United States. Near field communication (NFC) set of short-range wireless technologies used to share information among devices within about 2 inches of each other (50 mm). NFC devices are either powered or passive NFC peer-to peer communication is possible where both devices are powered. An NFC-equipped smartphone, for instance, can be swiped by a merchant s reader to record a payment wirelessly and without contact Copyright 2016 Pearson Education, Ltd. Slide 1-13
14 Mobile Payment Systems (Mobile Wallet) Expanding in United States Apple Pay (see: Android Pay PayPal Square Copyright 2016 Pearson Education, Ltd. Slide 1-14
15 SOCIAL/MOBILE PEER-TO-PEER PAYMENT SYSTEMS In addition to using a mobile device as a vehicle for e-commerce and as a payment method at physical point-of-sale, another type of mobile payment transaction is becoming increasingly popular: Social/Mobile peer-to-peer payments. Services such as Venmo, Square Cash, Snapcash, Google Wallet, and the new Facebook Messenger Payment service all enable users to send another person money through a mobile application or Web site. Venmo (see: Copyright 2016 Pearson Education, Ltd. Slide 1-15
16 Digital Cash and Virtual Currencies Digital cash Based on algorithm that generates unique tokens that can be used in real world Example: Bitcoin (see: Virtual currencies Circulate within internal virtual world Example: Linden Dollars in Second Life, Facebook Credits Copyright 2016 Pearson Education, Ltd. Slide 1-16
17 Copyright 2016 Pearson Education, Ltd. Slide 1-17
18 Copyright 2016 Pearson Education, Ltd. Slide 1-18
19 Only section 4.5 Copyright 2016 Pearson Education, Ltd. Slide 1-19
A to Z Jargon buster. Call +44 (0) to discuss your upgrade options
A to Z Jargon buster Call +44 (0) 844 209 4370 to discuss your upgrade options www.pxp-solutions.com sales@pxp-solutions.com twitter: @pxpsolutions Are you trying to navigate your way around what can seem
Payment Card Industry Data Security Standards (PCI DSS) Initial Training
Payment Card Industry Data Security Standards (PCI DSS) Initial Training PCI DSS Training Content What topics will this training cover? What is PCI DSS? Objectives of PCI DSS Common Terminology Background
BUSINESS POLICY. TO: All Members of the University Community 2016:07. Credit Card Processing and Security Policy (Supersedes Policy 2009:05 & 2012:12)
BUSINESS POLICY TO: All Members of the University Community 2016:07 DATE: February 2016 Credit Card Processing and Security Policy (Supersedes Policy 2009:05 & 2012:12) Contents Section 1 Scope...2 Section
CREDIT CARD PROCESSING AND SECURITY
CREDIT CARD PROCESSING AND SECURITY POLICY NUMBER: RESERVED FOR FUTURE USE RESPONSIBLE OFFICIAL TITLE: SENIOR VICE PRESIDENT FOR ADMINISTRATION AND FINANCE RESPONSIBLE OFFICE: ADMINISTRATION AND FINANCE
Secure Payment Transactions based on the Public Bankcard Ledger! Author: Sead Muftic BIX System Corporation
Secure Payment Transactions based on the Public Bankcard Ledger! Author: Sead Muftic BIX System Corporation sead.muftic@bixsystem.com USPTO Patent Application No: 15/180,014 Submission date: June 11, 2016!
Payment Processing 101
Payment Processing 101 Timelines & Deliverables PRESENTED BY Pg: 1 March 7, 2018 www.clearwaterpayments.com Quick Agenda Credit/Debit Transactions Industry Definitions Transaction Process Cost/Pricing
Q: What is PCI? Q: To whom does PCI apply? Q: Where can I find the PCI Data Security Standards (PCI DSS)? Q: What are the PCI compliance deadlines?
Q: What is PCI? A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain
Payments POCKET GUIDE. in Your Pocket
Payments POCKET GUIDE in Your Pocket 1 Definitions 3D Secure An XML-based protocol that is designed to add an extra layer of security for online credit and debit card transactions. It has been adopted
PCI FAQ Q: What is PCI? ALL process, store transmit Q: To whom does PCI apply? Q: Where can I find the PCI Data Security Standards (PCI DSS)?
PCI FAQ Q: What is PCI? A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information
Table of Contents. Overview. What is payment processing? Who s Who. Types of Payment Solutions. Online Transactions. Interchange Process
Overview Credit Card Processing 101 is your go-to handbook for navigating the payments industry. This document provides a quick and thorough understanding on how businesses accept electronic payments,
Administration and Department Credit Card Policy
Administration and Department Credit Card Policy Updated February 29, 2016 CONTENTS Purpose PCI DSS Scope/Applicability Authority Securing Credit Card Data Policy Glossary Page 2 of 5 PURPOSE As a department
PCI Training. If your department processes credit card information, it is CRITICAL that you understand the importance of protecting this data.
PCI Training This training is to assist you in understanding the policies at Appalachian that govern credit card transactions and to meet the PCI DSS Standards for staff training to prevent identity theft.
Ball State University
PCI Data Security Awareness Training Agenda What is PCI-DSS PCI-DDS Standards Training Definitions Compliance 6 Goals 12 Security Requirements Card Identification Basic Rules to Follow Myths 1 What is
Payment Card Industry Training 2014
Payment Card Industry Training 2014 Phone Line Terminal & Hosted Order Page/Secure Acceptance Redirect Merchants Contact * Carole Fallon * 614-292-7792 * fallon.82@osu.edu Updated May 2014 AGENDA A. Payment
COF Mandate Integration Guide. Version 1.0. As of: November Integration Guide Computop (COF Mandate) 1
COF Mandate Integration Guide Version 1.0 As of: November 2018 Integration Guide Computop (COF Mandate) 1 Table of Contents ABOUT COF MANDATE... 3 What is Stored Credential On File? (COF)... 3 Benefits
PayPal Reports Second Quarter 2017 Results and Raises Financial Guidance for Full Year
PayPal Reports Second Quarter 2017 Results and Raises Financial Guidance for Full Year Revenue increased 18% to $3.136 billion, 20% FX-neutral revenue growth GAAP EPS increased 27% to $0.34, non-gaap EPS
HOW TO COMPARE CREDIT CARD PROCESSORS
HOW TO COMPARE CREDIT CARD PROCESSORS Credit card processing fees, transaction fees and statement fees vary a lot. The best credit card processor is not necessarily the one that offers you what appears
Payments terminology and acronyms
Payments terminology COMMON ACRONYMS AML anti-money laundering anti-money laundering (aml) is a term mainly used in the legal and financial industries to describe a set of procedures, regulations, or legal
Event Merchant Card Services
Event 317 - Merchant Card Services Statement of Work A. Overview: It is the intent of the Bexar County Tax Assessor-Collector to solicit proposals to establish a contract with a vendor to provide merchant
Credit Card Acceptance and Processing Procedures
Credit Card Acceptance and Processing Procedures Introduction Michigan Tech accepts credit cards for many payments of goods and services. Credit card payments must be processed in compliance with Payment
Payment Card Acceptance Administrative Policy
Administrative Procedure Approved By: Brandon Gilliland, AVP for Finance and Controller Effective Date: January 15, 2016 History: Approval Date: September 25, 2014 Revisions: December 15, 2015 Type: Administrative
PCI Compliance and Payment Card Processing Policy
PCI Compliance and Payment Card Processing Policy Policy Number: Effective Date: Approval: Office: PURPOSE: The University of Indianapolis accepts payment cards on payment for goods and services under
Subject: Protecting cardholder data in support of the Payment Card Industry (PCI) Data Security Standards
University Policy: Cardholder Data Security Policy Category: Financial Services Subject: Protecting cardholder data in support of the Payment Card Industry (PCI) Data Security Standards Office Responsible
What you need to know about credit card processing? The basics of credit card processing? A diagram showing the flow of data authorization
1 2 What you need to know about credit card processing? The basics of credit card processing? A diagram showing the flow of data authorization 3 4 5 Understanding processing fees - Dues & assessments -
Payment Card Security Policy
Responsible University Administrator: Vice President for Finance and Administration Responsible Officer: Director of Student Financial Services Origination : 4/1/2016 Current Revision : N/A Next Review
Subject: Protecting cardholder data in support of the Payment Card Industry (PCI) Data Security Standards
University Policy: Cardholder Data Security Policy Category: Financial Services Subject: Protecting cardholder data in support of the Payment Card Industry (PCI) Data Security Standards Office Responsible
Payment Acceptance Services
Payment Acceptance Services Provided by Elavon 1 Merchant Acquiring Services About Us Santander Corporate & Commercial has an international footprint with a presence in 10 core countries and many more
The University of Michigan Treasurer s Office Card Services. Merchant Services Policy Document
Merchant # (Treasurer s Office Use Only): The University of Michigan Treasurer s Office Card Services Merchant Services Policy Document Describe Business Purpose: Enter Merchant Name (25 characters max):
2015 SCPC Table of Contents Adoption of Accounts and Payment Instruments
2015 SCPC Table of Contents Adoption of Accounts and Payment Instruments Table 1 Current Ownership of Accounts and Account Access Technologies Table 2 Table 3 Table 4 Table 5a Table 5b Table 6 Table 7
BANK CARD CONNECTIONS
FIRST Edition 2014 BANK CARD CONNECTIONS Small Merchants Most Susceptible to Card Data Breach Merchants everywhere are paying attention to PCI compliance. 50% more businesses are compliant today than this
America Outdoors Association s Marketing & Management Conference December 2011 Strategies to Find New Customers and Grow Demand
America Outdoors Association s Marketing & Management Conference December 2011 Strategies to Find New Customers and Grow Demand The Players Merchant s Bank Cardholder > 2 billion Merchant > 30 million
COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6
1. Procedure Title: PCI Compliance Program COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 2. Procedure Purpose and Effect: All Colorado State University departments that accept credit/debit
TEI Los Angeles May 15, Michele Borens Andrew Appleby. Business in Bitcoins
TEI Los Angeles May 15, 2015 Michele Borens Andrew Appleby Business in Bitcoins 1 Agenda Objective Overview What is a Bitcoin? Types of Virtual Currency Advantages of using Virtual Currency Commercial
Clark University's PCI Compliance Policy
ï» Clark University's PCI Compliance Policy Who Should Read this Policy: All persons who have access to credit card information, including: Every employee that accesses handles or maintains credit card
RETAIL SPECIFIC NEWS Keeping you in the know
SUMMER 2013 EDITION NEWS RETAIL SPECIFIC NEWS Keeping you in the know Important ImportantInformation Information--Please Pleasekeep keepin inaasafe safeplace place This Edition of Retail Specific Dynamic
Administration Policy
Administration Policy Complete Policy Title: Policy for Acceptance of Payment Cards and ecommerce Payments Approved by: Vice-President (Administration) Date of Original Approval: August 2005 Responsible
PAI Secure Program Guide
PAI Secure Program Guide A complete guide to understanding the Payment Card Industry Data Security Requirements (PCI DSS) and utilizing the PAI Secure Program Welcome to PAI Secure, a unique 4-step PCI-DSS
MERCHANT MEMBER PACKAGE AGREEMENT & APPLICATION
MERCHANT MEMBER PACKAGE AGREEMENT & APPLICATION Vantage Card Services, Inc. 2230 Towne Lake Parkway Building 400, Suite 110 Woodstock, GA 30189 (800) 397-2380 (770) 928-5688 Fax (770) 928-9328 www.vantagecard.com
UNL PAYMENT CARD POLICIES AND PROCEDURES. Table of Contents
UNL PAYMENT CARD POLICIES AND PROCEDURES Table of Contents Payment Card Merchant Security Standards Policy and Procedures... 2 Introduction... 4 Payment Card Industry Data Security Standard... 4 Definitions...
2.1.3 CARDHOLDER DATA SECURITY
University of Oxford Finance Division FINANCIAL POLICY 2.1.3 CARDHOLDER DATA SECURITY Date: 27 June 2017 Version: 1.0 Status: Draft Author: Bridget Midwinter TABLE OF CONTENTS Page Purpose... 3 Objectives...
Before debiting the Cardholder, the Merchant shall conduct the checks specified below.
REGULATIONS FOR SALES PAID BY CARD REMOTE TRADING (Card Not Present) (October 2015) These regulations, the "Remote Trading Regulations", apply to sales paid by Card in Remote Trading. "Remote Trading"
Alternative Payments. methods of payment
Alternative Payments An overview of new (and some not so new) methods of payment June, 2010 What Is A Payment? Change of ownership of value Value can be in multiple forms Monetary Non monetary Monetary
A report showing the merchant s settlement. The acquirer settlement report is generated by the acquiring bank at the end of every billing cycle.
A Acquirer (acquiring bank) An acquirer is an organisation that is licensed as a member of Visa/MasterCard as an affiliated bank and processes credit card transactions for (online) businesses. Acquirers
Bank of Mauritius. National Payment Switch
Bank of Mauritius National Payment Switch January 2016 1 Introduction The Bank of Mauritius (Bank) is empowered under the Bank of Mauritius Act to safeguard the safety, soundness and efficiency of payment,
d. ability to capture the identity of the trooper who runs the card.
C.1. Overview The State of Oklahoma Office of Management and Enterprise Services (OMES) Information Services Division (ISD) on behalf of The Oklahoma Department of Public Safety (DPS), is seeking bids
STUDY REPORT ON THE GLOBAL PAYMENT CARDS INDUSTRY. A rewards, earning and giving based token!
STUDY REPORT ON THE GLOBAL PAYMENT CARDS INDUSTRY A rewards, earning and giving based token! 1 STUDY REPORT ON THE GLOBAL PAYMENT CARDS INDUSTRY 2 TABLE OF CONTENTS SECTION ONE: GLOBAL MARKET LANDSCAPE
Business Practices Seminar April 3, 2014
Business Practices Seminar April 3, 2014 Departmental Operations Review of Payment Card Industry Standard Assessment Process Overview Review of University Policy No. 3610 57.7 467 200+ Scott Weimer Director
Credit Card Handling Security Standards
Credit Card Handling Security Standards Overview This document is intended to provide guidance regarding the processing of charges and credits on credit and/or debit cards. These standards are intended
Online Rent Payments
Online Rent Payments Give your tenants easy options to pay rent online that are secure and convenient for everyone. Online Rent Payment Marketing Kit Overview Overview of online rent payment options to
Card and Account Security. Important information about your card and account.
Card and Account Security. Important information about your card and account. Card and Account Security 1. Peace of mind As a Bendigo Bank customer you can bank with confidence knowing that, if you take
3. The PCIO will specify the merchant s requirements for meeting the PCI DSS and Vanderbilt University policy.
Procedure Subject Approval for Merchant Set Up FINAL Effective July 29, 2015 Revision Revision Review Responsibility PCI Compliance Office PURPOSE The process for determining whether to approve a department
Operating Guide November 2016
November 2016 Table of Contents Chapter 1: About Your Card Program... 1 About Transaction Processing... 2 General Operating Guidelines... 2 Additional Services... 4 Chapter 2: Processing Transactions...
PCI DSS and GDPR Made Easy
PCI DSS and GDPR Made Easy ENRICO ERMANNO DALL ARA PCI QSA 203-275, CISSP, GPEN Chief Security Officer @ 366 SECOM ITB, Berlin, March 9th 10:30 Can you afford 4% of yearly turnover in fine? REGULATIONS:
Electronic Commerce and Cyber Risk
Electronic Commerce and Cyber Risk Fifth Third Bank All Rights Reserved Reality and Solutions Objectives for Today What I will cover How banks are changing How the public is changing How the laws are changing
Strong Customer Authentication and PSD2
Strong Customer Authentication and PSD2 How to adapt to new regulation in Europe January 18, 2018 Authors: Christoph Baert Paul Baker 1. INTRODUCTION 3 2. WHAT IS MASTERCARD S AUTHENTICATION STRATEGY IN
PCI security standards: A high-level overview
PCI security standards: A high-level overview Prepared by: Joel Dubin, Manager, RSM US LLP joel.dubin@rsmus.com, +1 312 634 3422 Many merchants often have difficulty understanding how they must comply
Cardholder Authentication Guide
Business Gateway Cardholder Authentication Guide V5.3 May 2016 Use this help to find out: How cardholder authentication works How liability shift affects you Cardholder Authentication Guide > Contents
Authorization Approval of a transaction by the financial institution that issued a paycard or other payment card.
APA Visa Paycard Portal Glossary of Terms Account Number A unique number assigned by a financial institution to a customer s account. The account number for a paycard is embossed or imprinted on the card
For personal use only
27 th January 2017 Report to shareholders for the Quarter Ended 31 st December 2016 isignthis Ltd (isignthis or the Company) (ASX : ISX) is pleased to provide the following business update and for the
September TD Bank Checking Experience Index 2015
September 2015 TD Bank Checking Experience Index 2015 Overview TD Bank s 3 rd Checking Experience Index - better understanding consumers checking account experiences, behaviors and attitudes. Methodology
PCI 101: Transaction Volumes and Validation Requirements. By Chip Ross January 4, 2019
PCI 101: Transaction Volumes and Validation Requirements By Chip Ross January 4, 2019 Regarding PCI compliance, all entities that store, process or transmit cardholder data are subject to the requirements
Payment Card Industry Data Security Standards (PCI DSS) Awareness Training
Payment Card Industry Data Security Standards (PCI DSS) Awareness Training PCI DSS Training Content What topics will this training cover? What is PCI DSS? Objectives of PCI DSS Common Terminology Background
Global Visa Card-Not-Present Merchant Guide to Greater Fraud Control. Protect Your Business and Your Customers with Visa s Layers of Security
Global Visa Card-Not-Present Merchant Guide to Greater Fraud Control Protect Your Business and Your Customers with Visa s Layers of Security Millions of Visa cardholders worldwide make one or more purchases
Credit Card Processing Best Practices
Credit Card Processing Best Practices We are a merchant service provider dedicated to facilitating the passage of your sales tickets back to the thousands of institutions that issue the MasterCard (including
OLD DOMINION UNIVERSITY PCI SECURITY AWARENESS TRAINING OFFICE OF FINANCE
OLD DOMINION UNIVERSITY PCI SECURITY AWARENESS TRAINING OFFICE OF FINANCE August 2017 WHO NEEDS PCI TRAINING? THE FOLLOWING TRAINING MODULE SHOULD BE COMPLETED BY ALL UNIVERSITY STAFF THAT: - PROCESS PAYMENTS
Overview of Regulations on Settlement Cards in Japan
Feb 1, 2017 Overview of Regulations on Settlement Cards in Japan Yamashita, Tsuge, and Nimura Law Office Partner / Lawyer Ryu NAKAZAKI The Japanese regulations on payment cards are very complicated. In
BNZ Merchant Service Guide. Your guide to using your credit and debit card facility
BNZ Merchant Service Guide Your guide to using your credit and debit card facility October 2018 Table of contents Welcome to the Bank for New Zealand 3 Getting started 3 How to contact BNZ 3 Your responsibilities
Privacy When You Pay: Credit, Debit, Cash and More [1]
![Privacy When You Pay: Credit, Debit, Cash and More [1]](/thumbs/75/72889536.jpg "Privacy When You Pay: Credit, Debit, Cash and More [1]")
Published on Privacy Rights Clearinghouse (https://www.privacyrights.org) Home > Privacy When You Pay: Credit, Debit, Cash and More Privacy When You Pay: Credit, Debit, Cash and More [1] Copyright 1994-2018
Payments 101: Credit and Debit Card Payments
October 2010 Payments 101: Credit and Debit Card Payments Key Concepts and Industry Issues For information contact sales@fdnorthamerica.com. Table of Contents: 1. Introduction... page 3 a. Continued Rise
Cash Management and A/R and PCI OH MY!!! 3/2/2015. Cash Management. Agenda. Cash Management A/R Accounts Receivable PCI Q&A
Cash Management and A/R and PCI OH MY!!! DEE BOWLING, JULIE JUSTICE & ROBIN MAYO Agenda Cash Management A/R Accounts Receivable PCI Q&A Cash Management 1 Cash Management & Accounts Receivable New link
minimise card fraud in your business.
minimise card fraud in your business. First National Bank Tanzania Limited - a subsidiary of FirstRand Limited. A Registered Commercial Bank in Tanzania (CBA00050). There is a real possibility that your
Compute Managed Services Schedule to the Products and Services Agreement
Compute Managed Services Schedule to the Products and Services Agreement Contents Words defined in the General Terms and conditions... 2 Part A Compute Managed Services... 2 1 Service Summary... 2 2 Service
ILLINOIS STATE TREASURER S OFFICE
ILLINOIS STATE TREASURER S OFFICE About The Illinois Funds Created in 1975, the first Local Government Investment Pool (LGIP) established to allow communities statewide to invest their money together to
HSBC with Google Pay Terms and Conditions and Notice of Change. Effective 1 March 2018
HSBC with Google Pay Terms and Conditions and Notice of Change Effective 1 March 2018 HSBC with Google Pay Terms and Conditions and Notice of Change 1. These terms To cater for the new technology used
Us bank merchant account credit card machine
P ford residence southampton, ny Us bank merchant account credit card machine Purchase a popular Credit Card Machine at a great price or get information about Credit Card Machines and Debit Card Machines
Compute Managed Services Schedule to the General Terms
Compute Managed Services Schedule to the General Terms Contents A note on you... 2 Words defined in the General Terms... 2 Part A Compute Managed Services... 2 1 Service Summary... 2 2 Service Components...
Card Acceptance Operating guide. For Card Not Present (CNP) Merchants. Any transaction - any way EMSpay.nl
Card Acceptance Operating guide For Card Not Present (CNP) Merchants Card acceptance Operating guide For card not present (CNP) merchants With EMS, mail, telephone and Internet card acceptance is a simple
User Terms & Conditions Last updated: June 15, 2016
User Terms & Conditions Last updated: June 15, 2016 THIS PAYWITH USER TERMS AND CONDITIONS ( AGREEMENT OR TERMS ) IS A CONTRACT BETWEEN YOU ( YOU OR USER ) AND PAYWITH WORLDWIDE INC., A DELAWARE CORPORATION
STORED CREDENTIAL & CREDENTIAL-ON-FILE GUIDE
STORED CREDENTIAL & CREDENTIAL-ON-FILE GUIDE VISA RULES SUMMARY OF A STORED CREDENTIAL A stored credential is information which may include an account number or payment token that is stored by a Merchant.
Sage Payment Processing User's Guide. March 2018
Sage 300 2017 Payment Processing User's Guide March 2018 This is a publication of Sage Software, Inc. 2017 The Sage Group plc or its licensors. All rights reserved. Sage, Sage logos, and Sage product and
A SECURE ONLINE PAYMENT SYSTEM
University of Kentucky UKnowledge Theses and Dissertations--Computer Science Computer Science 2011 A SECURE ONLINE PAYMENT SYSTEM Shristi Pant University of Kentucky, shristi.pant@gmail.com Click here
PCI-DSS for Credit Unions
PCI-DSS for Credit Unions Tom Schauer; CEO @ TrustCC CISSP, CISA, CISM, CRiSC, CEH, CTGA tschauer@trustcc.com Misinformation Opinion: There is more confusion and more misinformation about PCI requirements
PayPal Website Payments Pro and Virtual Terminal Agreement
>> View all legal agreements PayPal Website Payments Pro and Virtual Terminal Agreement Last Update: March 29, 2017 Print Download PDF This PayPal Website Payments Pro and Virtual Terminal agreement ("Pro/VT
Cash and Card Usage by the Public and Merchants
Cash and Card Usage by the Public and s by John Winchcombe December 2016 Cash Essentials www.cashessentials.org Cash and Card Usage by the Public and s Executive summary This paper reports on the cost
Clydesdale Bank and Yorkshire Bank Merchant Services
Important Information Clydesdale Bank and Yorkshire Bank Merchant Services Merchant Operating Instructions Table of Contents 1 Welcome 4 1.1 Making the most of this guide 4 1.2 What else you need to read
Payment Card Industry Compliance Policy
PURPOSE and BACKGROUND The purpose of this policy is to ensure that Massachusetts Maritime Academy (MMA) maintains compliance with the Payment Card Industry Data Security Standard (PCI DSS). PCI DSS is
YouGov Survey Results
YouGov Survey Results Sample Size: 2047 Fieldwork: 10th - 13th June 2011 Total A smartphone is a mobile phone offering advanced features similar to a computer. Often an operating system is in use (such
Credential on File: What merchants on the Vantiv, now Worldpay ecommerce platform need to know
Credential on File: What merchants on the Vantiv, now Worldpay ecommerce platform need to know Webinar Presentation May 16, 2018 2018 Vantiv, LLC. All rights reserved. Stored Credentials on File Definition:
Credit Card Payment Trends and Legislation: What s the Impact for Associations? Tuesday, December 8, :00 3:00pm (Eastern)
Credit Card Payment Trends and Legislation: What s the Impact for Associations? Tuesday, December 8, 2009 2:00 3:00pm (Eastern) Hosted by ASAE Business Services, Inc. and Chase Paymentech December 7, 2009
T H E R A P I D P A C E O F C H A N G E I N T H E P A Y M E N T S L A N D S C A P E
S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L T H E R A P I D P A C E O F C H A N G E I N T H E P A Y M E N T S L A N D S C A P E October 2014 T H E R A P I D P A C E O F C H A N G E I N
BANK OF THE FUTURE COMBINING CONVENIENCE OF PLASTIC CARDS AND INDEPENDENCE OF BLOCKCHAIN FOR 2 BILLION TRANSACTIONS
BANK OF THE FUTURE COMBINING CONVENIENCE OF PLASTIC CARDS AND INDEPENDENCE OF BLOCKCHAIN FOR 2 BILLION TRANSACTIONS White Paper 2017 STEP-BY-STEP INTRODUCTION 1 2 3 4 5 6 7 ABOUT US PROBLEMS WE SOLVE 5
Merchant Services. Program Terms and Conditions. (Program Guide)
Merchant Services Program Terms and Conditions (Program Guide) PREFACE Thank you for selecting us for your payment processing needs. Accepting numerous payment options provides a convenience to your customers,
Welcome. Credit Card
Welcome Credit Card TABLE OF CONTENTS page 3 5-7 8 9 10-11 12-13 14 16-19 section Welcome Online Banking Account Access Make a Payment Rewards Security Digital Payments FAQs Welcome Your new MidFirst Bank
Sage ERP I White Paper
I White Paper Credit Card Payment Processing: Making Sense of the Credit Card Industry How Integrated credit card processing with saves time, money and effort Table of Contents Introduction...3 Why Credit
Securing Credit Card Data at UB (complying with Payment Card Industry Data Security Standards)
Securing Credit Card Data at UB (complying with Payment Card Industry Data Security Standards) Carolann Lazarus Internal Audit PCI Compliance Initiative Co-lead lazarus@buffalo.edu (716) 829-6947 Tricia
Innovative Payment Solutions First Data Introducing Pogo>
Innovative Payment Solutions First Data Introducing Pogo> Espen Tranoy Managing Director, First Data Hellas Copyright 2014 First Data Corporation 1 Agenda First Data Hellas Solutions for the Insurance
ACH Industry Update, Audit Weaknesses and Emerging Payment Trends
ACH Industry Update, Audit Weaknesses and Emerging Payment Trends Presented by Adrian Brown, AAP Director of Education The Payments Authority is the association for payments people. ACH CARD CHECK WIRE
General Terms and Conditions: 1. Up to HK$1,100 Cash Rebate at Broadway, Up to 40% off on Selected Items, the Interest-free Purchase Instalment
General Terms and Conditions: 1. Up to HK$1,100 Cash Rebate at Broadway, Up to 40% off on Selected Items, the Interest-free Purchase Instalment Program and Instant Rewards (The Program ) runs from 1 September
A NetPay guide to... Understanding the Jargon and Acronyms
A NetPay guide to... Understanding the Jargon and Acronyms /booker 3-D Secure 3-D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was
VERIFONE SYSTEMS, INC. (Exact name of Registrant as Specified in its Charter)
(Mark One) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended