MULTOS World Series USA. February 7, Salt Lake City
|
|
|
- Hope Lewis
- 6 years ago
- Views:
Transcription
1 Discover Financial Services MULTOS World Series USA February 7, 2013 Salt Lake City 1
2 Agenda Payments Industry Overview (Discover Financial Services-centric) Networks Make It Possible U.S.A. EMV Migration D-PAS: EMV Payment Application Contactless D-PAS: Contactless EMV Payment Application Contactless Magnetic Stripe (Zip ) 2
3 Discover Financial Services (DFS) Discover Card Franchise Diners Club International Networks Discover Network Diners Club International Network Pulse Network Network-to-Network Partnerships 3
4 DFS Overview Overview Direct Banking Total Receivables +9% YOY Payment Services Total Volume +8% YOY Card Issuing $48Bn in receivables Leading cash rewards program 1 in 4 U.S. households $116Bn volume 30+ issuers Lending & Deposits $28Bn direct-to-consumer deposits $11Bn personal and private student loans $154Bn volume 4,300+ issuers 840,000+ ATMS 100+ countries Discover is ranked #1 out of 80 S&P500 financial stocks - Bloomberg News, Dec. 15, 2011 $29Bn volume 80+ franchises 185 countries/territories June Discover acquired Home Loan Center, adding mortgages to direct banking offerings Note: Balances as of February, 2012; volume based on the trailing four quarters ending 1Q
5 About Discover - Award Winning Brand Keys Award: Ranked #1 in Customer Loyalty - 16 years in a row 1 #1 website - Best Overall Customer Experience 2 America s #1 Cash Rewards Program More US households have a Discover card than any other cash rewards card 3 Ranked the best in identity fraud resolution 4 Winner Paybefore award for Most Effective Prepaid Marketing Winner Paybefore award for Best Youth / Student / Campus Prepaid Program 1 According to the 2012 Brand Keys Customer Loyalty Engagement Index report 2 According to the 2011 Keynote Competitive Research Industry Study of U.S. credit card marketing websites 3 TNS 2011 Consumer Card Strategies Research 4 Discover Card ranked among the best in identity fraud resolution according to the 2011 Javelin Strategy and Research report 5 5
6 Our Evolution as a Global Payments Network Start-up experience from setting up a new network in an established card market Acquisition of PULSE, the 3 rd largest PIN/ATM debit network in U.S. N2N partnership with UnionPay (China) Interac ABM partnership (Canada) N2N partnership with BCcard (S. Korea) Partnership with India s national network Landmark DOJ Ruling Puerto Rico issuance N2N partnership with JCB (Japan) Link, U.K. ATM partnership Acquisition of Diners Club International with acceptance in over 185 countries / territories Partnership 100 countries with DinaCard for global ATM (Serbia) acceptance 6 6
7 Acceptance: U.S. Footprint According to Nielson, Discover has reached essential parity with Visa and Mastercard 1 98% technical acceptance in 2011 Increased merchant locations by 7% Online acceptance of 98% Closed gaps via Industry partners and high impact merchant focus The Nilson Report, #989, March
8 Acceptance: U.S. Online Footprint Top Retailer Sales PayPal 31% 50% Discover AmEx MasterCard 99% 97% 99% 97% 100% 100% Visa 100% 100% Source: Internet Retailer, 2011 Of America s 500 largest retail websites, Discover has: 97% acceptance (486 sites), remaining 14 sites are on target list 98% coverage of total site sales ($147bn) Direct relationship with these retailers 8
9 Agenda Payments Industry Overview (Discover Financial Services-centric) Networks Make It Possible EMV Migration D-PAS: EMV Payment Application Contactless D-PAS: Contactless EMV Payment Application Contactless Magnetic Stripe (Zip ) 9
10 Our Evolution as a Global Payments Network Start-up experience from setting up a new network in an established card market Acquisition of PULSE, the 3 rd largest PIN/ATM debit network in U.S. N2N partnership with UnionPay (China) Interac ABM partnership (Canada) N2N partnership with BCcard (S. Korea) Partnership with India s national network Landmark DOJ Ruling Puerto Rico issuance N2N partnership with JCB (Japan) Link, U.K. ATM partnership Acquisition of Diners Club International with acceptance in over 185 countries / territories Partnership 100 countries with DinaCard for global ATM (Serbia) acceptance 10 10
11 Global Card: Our Approach Entrenched Industry Model: American mega-brands dominate the market Emerging Global Model: Alliances of key regional players are creating the new global network Discover is working to create a new option for global payments 11
12 Global Acceptance Footprint North America (1) 8,900,000 EMEA 2,300,000 Asia Pacific 7,200,000 Latin America 3,000,000 Third largest global card acceptance network (1) Complementary networks with strong global presence Operates in over 185 countries / territories ( 2 ) Over 900,000 ATMs in more than 100 countries Total Merchant Locations 21,400,000 (3) Note(s) 1. The Nilson Report, #989, March The map denotes countries or territories with transactional activity in the last year 3. Total reflects the number of merchant outlets that accept one or more card brands through Aug
13 Agenda Payments Industry Overview (Discover Financial Services-centric) Networks Make It Possible U.S.A. EMV Migration D-PAS: EMV Payment Application Contactless D-PAS: Contactless EMV Payment Application Contactless Magnetic Stripe (Zip ) 13
14 U.S. EMV Migration - The Complexity 14
15 Comparative Scale of Market Participants USA Issuers 100+ Acquirers USA 10m PoS 422K ATMs 1.2Bn+ <1 % EMV Acceptance Cards (Debit & Credit) Germany 680K PoS 58K ATMs 122m+ Cards 88% EMV Acceptance Germany 65+ Issuers 7+ Acquirers Brazil 44+ Issuers 4+ Acquirers China 30+ Issuers 1 Acquirer Brazil 4m PoS 190K ATMs 406m 90% EMV Acceptance Cards (Debit & Credit) China 32m PoS 249K ATMs 2.3bn+ 58% EMV Acceptance Cards (Debit & Credit) Source: Bayberry Consulting 15
16 Payment Network Alignment 10/1/2012 Waive Annual PCI Compliance for Dual EMV/NFC Terminals 10/1/2013 1). 50% Data Compromise Relief (MC Only) & 2). Waive Annual PCI Compliance 10/1/2015 Card Present, Counterfeit Card Liability Shift (except Petro) 1/1/2012 1/1/2013 1/1/2014 1/1/2015 1/1/2016 1/1/2017 4/1/2013 Processor Compliance For EMV Data 10/1/2015 1). 100% Data Compromise Relief (MC only) & 2). Payments Hierarchy Begins (D, MC & AMEX) 10/1/2017 Counterfeit Card Liability Shift for Petro Merchants Key Milestones - PCI/Liability Shift Statements: 16
17 Agenda Payments Industry Overview (Discover Financial Services-centric) Networks Make It Possible U.S.A. EMV Migration D-PAS: EMV Payment Application Contactless D-PAS: Contactless EMV Payment Application Contactless Magnetic Stripe (Zip ) 17
18 Discover EMV: D-PAS D-PAS: Discover Payment Application Specification The D-PAS program has been developed in compliance with the current EMV standards The D-PAS story Discover acquires Diners in 2008 D-PAS mandates have been issued globally in countries impacted by governmental, regional, or industry mandates, and/or where there is significant EMV penetration. Global Progress D-PAS leveraged by Discover, PULSE, Diners Club, and Global Net partners 90+ engagements underway 18
19 D-PAS & Contactless D-PAS: DFS EMV Specification D-PAS: Contact EMV Payment Application Contactless D-PAS: Contactless EMV Payment Application Contactless Magnetic Stripe (Zip ) 19
20 Contactless D-PAS: contactless EMV & Mag Stripe EMV data + EMV security elements Contactless D-PAS Magnetic Stripe Data + Dynamic CVV 20
21 Anatomy of a traditional EMV transaction Contact Chip Chip Contains: Account data D-PAS applet & Application ID# (AID) Unique encryption key for each card Offline PIN (optional) Record of last few transactions Offline floor limit Options: Offline PIN Offline Authorization Contact Card Slot Terminal Contains: Generic EMV kernal (V/MC/Amex/D) D-PAS AID D-PAS Public Key D-PAS Terminal Parameters 1. Insert contact EMV card in terminal 2. Validate D- PAS AID present in card and terminal 3. Initiate D- PAS card applet and read terminal data Using rules set by Issuer (chip) & Acquirer (Terminal), a decision is made to: Options: Online PIN Online Authorization 21
22 Anatomy of a Contactless EMV transaction Contact less D-I Chip Chip Contains: Account data D-PAS applet & Application ID# (AID) Unique encryption key for each card Offline PIN (optional) Record of last few transactions Offline floor limit Contactless Landing Zone Terminal Contains: Specific Payment System s kernel (V/MC/Amex/DFS) D-PAS AID D-PAS Public Key D-PAS Terminal Parameters 1. Tap contact less D-PAS card to terminal 2. Validate D-PAS AID present in card and terminal 3. Initiate D-PAS card applet and read terminal data Using rules set by Issuer (chip) & Acquirer (Terminal), a decision is made to: Options: Offline PIN Offline Authorization Options: Online PIN Online Authorization 22
23 Anatomy of a Contactless Mag Stripe transaction (Zip) ISO Mag Stipe Format Zip Reader Acquirer Authorization Clearing Card Issuer Authorization Message 0100 Authorization Message 0110 Clearing Message 23
24 Discover Zip - Major Merchant Acceptance (as of December 2010) More than 125,000 merchant locations nationally accept Zip. This number is growing daily and includes everyday spend merchants like major retailers and public transit agencies. Restaurants & Food Service Braum Ice Cream Burger King* Compass Group Dairy Queen* Einstein Bagels Jack In The Box McDonalds* Sbarro Tim Hortons Whataburger Plus over 25,000 other smaller merchants Groceries & Pharmacies Bartel Drugs Duane Reade Meijer Rite Aid Spartan Stores Whole Foods* Transportation & Vending Utah Transit Authority Vending Machines* Taxis in major cities, including Boston, Chicago, Houston, Atlanta, Washington DC* Convenience & Petroleum 7Eleven BP Chevron* Circle K Hess Kum & Go Mac's Murphy Oil* Sheetz Other Retailers Best Buy Foot Locker NY & Company Office Depot Sports Authority Sprint* The Home Depot The Paradies Airport Shops 24
25 Summary Discover & Diners Club International 3 Networks: Discover, Diner Club & Pulse Network-to-Network Partnerships EMV Migration D-PAS (contact EMV) Contactless D-PAS: Contactless EMV Contactless Magnetic Stripe (Zip ) 25
26 Discover Financial Services Thank You 26
E M V O V E R V I E W. July 2014
E M V O V E R V I E W July 2014 A G E N D A EMV Overview EMV Industry Announcements EMV Transaction Differences, What to Expect Solution Decisions Market Certification Considerations Questions 2 E M V
I N T E R A C. The Faster, More Convenient Way. Small Value Purchases
I N T E R A C I S S U I N G F L A S H The Faster, More Convenient Way to Securely Accept Payment For Small Value Purchases Trade-mark of Interac Inc. (Everlink Payment Services Inc.) authorized user of
Is Your Organization Ready for the EMV Challenge?
Is Your Organization Ready for the EMV Challenge? Suzanne Galvin Director of Product Management Elan Financial Services Jeff Green Director of the Emerging Technologies Advisory Service Mercator Advisory
EMV is coming. Here s how to stay ahead of the trend. Presented by CO-OP Financial Services
EMV is coming. Here s how to stay ahead of the trend. Presented by CO-OP Financial Services October 25, 2012 Agenda What EMV is and how it works U.S. and global adoption Impact to the payments ecosystem
Top 5 Facts Merchants Need To Know About EMV
Top 5 Facts Merchants Need To Know About EMV June, 2015 Lindsay Breathitt, Product Marketing Steve Cole, Product Management Why EMV, Why Now Agenda U.S. market update EMV Top 5 EMV facts Understanding
Understanding the 2015 U.S. Fraud Liability Shifts
Understanding the 2015 U.S. Fraud Liability Shifts Version 1.0 May 2015 Some U.S. payment networks are implementing EMV fraud liability shifts effective October 2015. With these liability shifts fast approaching,
EMV Chip Cards. Table of Contents GENERAL BACKGROUND GENERAL FAQ FREQUENTLY ASKED QUESTIONS GENERAL BACKGROUND...1 GENERAL FAQ MERCHANT FAQ...
EMV Chip Cards FREQUENTLY ASKED QUESTIONS Table of Contents GENERAL BACKGROUND...1 GENERAL FAQ...1 4 MERCHANT FAQ...5 PROCESSOR/ATM PROCESSOR FAQ... 6 ISSUER FAQ... 6 U.S.-SPECIFIC FAQ...7 8 GENERAL BACKGROUND
EMV and Educational Institutions:
October 2014 EMV and Educational Institutions: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems, Inc. All trademarks,
EMV: Facts at a Glance
EMV: Facts at a Glance 1. What is EMV? EMV is an open-standard set of specifications for smart card payments and acceptance devices. The EMV specifications were developed to define a set of requirements
EMV IN THE U.S. HOW FAR HAVE WE COME AND WHERE ARE WE GOING? Andy Brown
EMV IN THE U.S. HOW FAR HAVE WE COME AND WHERE ARE WE GOING? Andy Brown andy.brown@ncr.com MAC is an organization comprised of members from Banks, Acquirers, ISOs, Card Associations, Law Enforcement and
ATM Webinar Questions and Answers May, 2014
May, 2014 Debit Network Alliance LLC (DNA) is a Delaware Limited Liability Company currently comprised of 10 U.S. Debit Networks and open to all U.S. Debit Networks. The goal of this collaborative effort
EMV: Coming Soon to a Card Near You
Julie Conroy EMV: Coming Soon to a Card Near You Page 2 This presentation is the work of its author who is solely responsible for its contents. First Data Corporation and its subsidiaries and affiliates
EMV is coming. But it s ever changing.
EMV is coming. But it s ever changing. March 26, 2013 Presented By MICHELLETHORNTON Senior Product Manager CO-OP Financial Services RYANZILKER B2B Marketing Manager CO-OP Financial Services Today s Agenda
Card Payment acceptance at Common Use positions at airports
Card Payment acceptance at Common Use s at airports Business requirements Version 1, published in June 2016 Preamble Common Use (CU) touchpoints (self-service s such as self-service kiosks or bag drops,
Smart Cards and EMV Adoption in China
Smart Cards and EMV Adoption in China Opportunities and Obstacles Emerging Strategy www.emerging-strategy.com August, 2008 Table of Contents Background... 2 Global Drivers for EMV Migration... 3 Migration
EMV Just the Facts. Ozarks Association of Government Accountants
EMV Just the Facts Ozarks Association of Government Accountants Speakers and Housekeeping EMV: Just the Facts Presentation Brad Hench Regional Sales Manager US Bank Elavon 45 minute presentation 10 minute
Visa Minimum U.S. Online Only Terminal Configuration
Visa Minimum U.S. Online Only Terminal Configuration Intended Audience This document is intended for U.S. merchants, acquirers, processors and terminal providers who are planning deployments of EMV chip
Pinless Transaction Clarifications
Pinless Transaction Clarifications April, 2017 Agenda Definition Level Set Application Selection Overview and Scenario Explanation EMV No CVM PIN Bypass Debit Expansion Programs PINless POS Product Signature
Seeds of Change in Debit
Seeds of Change in Debit The 2016 Debit Issuer Study MEDIA EXHIBITS Study Overview The Debit Issuer Study is the definitive assessment of U.S. debit market 2016 Debit Issuer Study is the 11th edition of
U.S. Bank. U.S. Bank Chip Card FAQs for Program Administrators. In this guide you will fnd: Explaining Chip Card Technology (EMV)
U.S. Bank U.S. Bank Chip Card FAQs for Program Administrators Here are some frequently asked questions Program Administrators have about the replacement of U.S. Bank commercial cards with new chip-enabled
EMV Adoption in the U.S.
EMV Adoption in the U.S. What you need to know about the outcome of EMV adoption in other countries and the implications for adoption in the U.S. Table of Contents Introduction [3] What is EMV? [4] The
Visa Digital Solutions. Rocio Beckham Community Issuers
Visa Digital Solutions Rocio Beckham Community Issuers Notice of Confidentiality This presentation is furnished to you solely in your capacity as a customer of Visa and/or participant in the Visa payments
Cards on the table! Bernd Filsinger Payment Technology Services Lead Client Support Services, Europe region
Cards on the table! Bernd Filsinger Payment Technology Services Lead Client Support Services, Europe region Notice of confidentiality This presentation is furnished to you solely in your capacity as a
The Changing Landscape of Card Acceptance
The Changing Landscape of Card Acceptance Troy Byram Vice-President Sr. E-Receivables Consultant February 6, 2015 Agenda EMV (Chip and Pin) PCI Compliance and Data Security New Regulations for Municipalities
Collis/B2 EMV & Contactless Offering
Collis/B2 EMV & Contactless Offering USA Migration Bruce Murray, B2PS Itai Sela, B2PS January 2012 Ensuring Trust in Technology 1 Overview Introduction to EMV and Contactless in the USA B2 Training Programs
Verifone MX 915/925 Payment Devices. with KWI 6.x POS Registers: What s New?
Verifone MX 915/925 Payment Devices with KWI 6.x POS Registers: What s New? Contents Overview... 3 Network and Power Requirements... 5 Network Requirements... 5 Power Requirements... 5 Place Your Order
Technology Developments in Card-Based Payments WACHA Payments 2013
Technology Developments in Card-Based Payments WACHA Payments 2013 April 9, 2013 The information contained on these slides is considered the Confidential & Proprietary Information of Two Sparrows Consulting,
Card Payments Roadmap in the United States: How Will EMV Impact the Future Payments Infrastructure?
Card Payments Roadmap in the United States: How Will EMV Impact the Future Payments Infrastructure? A Smart Card Alliance Payments Council White Paper Publication/Update Date: January 2013 Publication
A Merc r ator r Adv d i v sory y Gr G oup Re R search h Br B ief S p S onsored d by J nu n a u ry
EMV ESSENTIALS FOR THE U.S. MERCHANT January 201 1 12 About Heartland Heartland, Inc. (NYSE: HPY), the fifth largest payments processor in the United States, delivers credit/ /debit/prepaidd card processing,
EMV, PCI, Tokenization, Encryption What You Should Know for Presented by: The Bryan Cave Payments Team
EMV, PCI, Tokenization, Encryption What You Should Know for 2015 Presented by: The Bryan Cave Payments Team Agenda Overview of Secured Payments Judie Rinearson (NY) EMV Courtney Stout (DC) End to End Encryption
EMV: The Journey Begins October 1st
221 NORTH LASALLE ST. CHICAGO, IL 60601 312-873-3300 INFO@WCAPRA.COM EMV: The Journey Begins October 1st An Examination of the History, Impact, Best Practices, Pitfalls of EMV Implementations, and What
Gift & Loyalty Cards
Gift & Loyalty Cards Business Development Our Gift & Loyalty card program will afford you one of the most powerful and profitable tools to grow your business on a daily basis. Let our systems do the work
EMV Migration for the US Parking Industry EMV and the Parking Industry
EMV and the Parking Industry May 2013 Contents Introduction 03 What is EMV 04 Why EMV Matters 06 to Parking Overcoming the 08 Challenges Case Study 10 Best Practice Tips for 11 EMV Migration About Creditcall
COMPANY THE. Unicre - Instituição Financeira de Crédito, SA
THE COMPANY Unicre - Instituição Financeira de Crédito, SA Is a financial institution specialized in : issuing and managing payment cards as well as other credit products; managing payment cards acceptance
A Guide to. US EMV Migration
A Guide to US EMV Migration Table of Contents What is EMV?... 3 EMV: A Global Standard... 4 Fraud Prevention... 5 Mobile & Contactless... 6 U.S. EMV Deadlines... 7 Maestro Liability Shift... 8 U.S. EMV
PayPass M/Chip Requirements. 3 July 2013
PayPass M/Chip Requirements 3 July 2013 Notices Following are policies pertaining to proprietary rights, trademarks, translations, and details about the availability of additional information online. Proprietary
WHITE PAPER. Focus on value added services by network companies a paradigm shift. Rahul Kaushal, Ramakant Mittal
WHITE PAPER Focus on value added services by network companies a paradigm shift Rahul Kaushal, Ramakant Mittal Introduction Network association is the most critical player in the payment card industry.
KNOW YOUR RUPAY DEBIT CARD
KNOW YOUR RUPAY DEBIT CARD ABSTRACT The objective of this document is to introduce the member banks to RuPay Debit Card program and to guide the issuing banks on the RuPay Debit Card features including
EMV: Frequently Asked Questions for Merchants
EMV: Frequently Asked Questions for Merchants The information in this document is offered on an as is basis, without warranty of any kind, either expressed, implied or statutory, including but not limited
Maximize the use of your HSM 8000
MAximise_HSM.qxp 19/06/2009 17:11 Page 1 www.thalesgroup.com/iss Maximize the use of your HSM 8000 Information Systems Security Information Systems Security Maximize the use of your HSM 8000 Table of Contents
EMV & Fraud POS Fraud Mitigation Tips for Merchants First Data Corporation. All Rights Reserved.
EMV & Fraud POS Fraud Mitigation Tips for Merchants EMV Information Merchants may see an increase in Card-Not-Present Fraud as a result of the new EMV standards. Help protect your business from fraud risk
esocket POS Integrated POS solution Knet
esocket POS Integrated POS solution Knet 1 Summary Since 1994 when the first POS devise was deployed in the market, Knet had recognized the importance of this service and did take it up on it self to invest
EMV : One year later. Merchants take steps to adapt and address challenges in the year following the shift to EMV technology at the point of sale
EMV : One year later Merchants take steps to adapt and address challenges in the year following the shift to EMV technology at the point of sale EMV: ONE YEAR LATER A BANK OF AMERICA MERCHANT SERVICES
Cashless Payment Solutions
SECURE contactless. Making cashless payment more convenient, more secure and more profitable Committed Industry Leadership HID Global is an active member of a variety of industry and trade associations
International Processing for the Financial Industry
Payment Services International Processing for the Financial Industry State-of-the-art transaction processing and an unparalleled bandwidth of operational services to support banks and payment service providers
EMV Migration. What You Need to Know about the Technology, the Security Protection it Provides, and When to Implement
EMV Migration What You Need to Know about the Technology, the Security Protection it Provides, and When to Implement According to a 2016 TSYS study identifying consumer payment preferences, 40 percent
CONVEGO. Platforms and Applications
CONVEGO Platforms and Applications Team up with the leader in secure payment products G&D s product line for native payment products G&D has specialized in the, G&D s multi-application product The full
ADDENDUM NO. 3 REQUEST FOR PROPOSAL NO. R BANKING AND MERCHANT SERVICES FOR HIGHER EDUCATION
ADDENDUM NO. 3 Attention to Proposers: This constitutes Addendum No. 3 to the referenced Request for Proposals (RFP), and consists of this ten (10) page cover letter, which provides responses to questions
Gemalto Consulting Services. Take control of your smart card implementation
Gemalto Consulting Services Take control of your smart card implementation FINANCIAL SERVICES & RETAIL > SERVICE ENTERPRISE INTERNET CONTENT PROVIDERS PUBLIC SECTOR TELECOMMUNICATIONS TRANSPORT Gemalto
EMVCo: Operating Principles
EMVCo: Operating Principles This document provides an overview of EMVCo s operating principles, including its governance, operations and the role of EMV Specifications in the wider payments community.
The Future of Payment Security in Canada
The Future of Payment Security in Canada October 2017 1 Visa Canada Public The Future of Payment Security in Canada Notices Forward-Looking Statements This presentation contains forward-looking statements
One Signature. Many Privileges.
One Signature. Many Privileges. Discover the power of Your new Signature Card Signature Contactless Your Signature Contactless Card allows you to transact at express speed. Simply wave your Signature Contactless
FTFS. Fault Tolerant Financial Systems
FTFS Fault Tolerant Financial Systems Fault Tolerant Financial Systems - FTFS - is the modular solution designed to support Enterprises and Financial Institutions in channel management for POS, self service,
Instant issuance in retail breaks new ground for banks
Use Case Instant issuance in retail breaks new ground for banks The most obvious consumer trend today is the expectation of immediacy. You can download movies and music, and shop online with instant results.
Payment Services. Issuing Processing. Product & Service Portfolio for Retailers
Payment Services Issuing Processing Product & Service Portfolio for Retailers New card business models generate profit for retailers Generate additional revenue and improve customer loyalty A payment card
A New Way to Pay. Euronet Pakistan. An Overview of Contactless Payment. Kathy Hatcher Product Manager, Card Associations Payment Solutions
Euronet Pakistan A Euronet Software Solutions White Paper A New Way to Pay An Overview of Contactless Payment Kathy Hatcher Product Manager, Card Associations Payment Solutions Euronet Pakistan 7th Floor,
Open Banking Model for Fare Collection. CTST May 2008
Open Banking Model for Fare Collection CTST May 2008, 2008 ACS Transportation Solutions Over Twenty-Five Years of Transit Fare Collection Experience Transit smart card and magnetic tickets 100 million
A Conversation with Visa on Consumer Debit Growth Connie Davis FIS Global Retail Payments Greg Borchardt Visa Consumer Debit Products
A Conversation with Visa on Consumer Debit Growth Connie Davis FIS Global Retail Payments Greg Borchardt Visa Consumer Debit Products May 2017 Visa Notice of Confidentiality This presentation is furnished
Merchant Services What You Need to Know. Agenda 6/5/2017. Overview of Merchant Services. EMV, Tokenization/Encryption, and PCI (Oh My!
Merchant Services What You Need to Know Heather Nowak VP, CPP Senior Product Manager Agenda Overview of Merchant Services Why accept cards? What you need to know/consider Capabilities/Pricing/Contract
Investors Presentation NOVEMBER 2014
Investors Presentation NOVEMBER 2014 GLOBAL LEADER IN SEAMLESS PAYMENT 2 Ingenico Group / Global leader in seamless payment July 2014 We provide smart, trusted and secure solutions whatever the channel,
Topics. First Data and STAR Network overview. Competitive advantage. Fraud in emerging payments. Fraud innovation what s coming
Todd Clark Topics First Data and STAR Network overview Competitive advantage Fraud in emerging payments Fraud innovation what s coming 2 Introducing Todd Clark Background Entrepreneur Core Data Resources
Nayax 24 Raoul Wallenberg St., Building A1, 4th floor, Tel Aviv, 69719, Israel Tel:
Nayax 24 Raoul Wallenberg St., Building A1, 4th floor, Tel Aviv, 69719, Israel Tel: +972-3-7694380 info@nayax.com www.nayax.com Unattended Payment Solution Nayax specializes in the unattended market. Developing
EMV. When to Wait and When to Move
EMV When to Wait and When to Move Welcome CO-OP and TMG: Leaders in Innovation Michelle Thornton Senior Product Manager CO-OP Financial Services Brandon Kuehl Product Development Architect The Members
Visa Inc Investor Day. North America. Oliver Jenkyn Group Executive, North America
Visa Inc. 2017 Investor Day North America Oliver Jenkyn Group Executive, North America Key takeaways Strong, established market position Deep client relationships, based on partnering to deliver value
payshield 9000 The hardware security module securing the world s payments
> payshield 9000 The hardware security module securing the world s payments www.thalesgroup.com/iss Information Systems Security Information Systems Security payshield 9000 Table of Contents Introduction
Securing Card Payments Challenges & Opportunities. Julie Hanson Senior Vice President, Card & Payment Products ICBA Bancard & TCM Bank, NA
Securing Card Payments Challenges & Opportunities Julie Hanson Senior Vice President, Card & Payment Products ICBA Bancard & TCM Bank, NA Agenda Securing Payments Landscape Chip Technology Tokenization
Euronet s Dynamic Currency Conversion Solution Increase Your Revenue as an Acquirer with a Value Added Service
Serving millions of people worldwide with electronic payment convenience. Euronet s Dynamic Currency Conversion Solution Increase Your Revenue as an Acquirer with a Value Added Service Copyright 2010 Euronet
Optimizing Transaction Speed at the POS
Optimizing Transaction Speed at the POS Version 3.0 Date: October 2017 U.S. Payments Forum 2017 Page 1 About the U.S. Payments Forum The U.S. Payments Forum, formerly the EMV Migration Forum, is a cross-industry
Tokenization: What, Why and How
Tokenization: What, Why and How 11/5/2015 UL Transaction Security 2011 Underwriters Laboratories Inc. We have EMV why do we need tokenization? From Magstripe Merchant Signature Issuer Magstripe Risk Management
Tokenization April Tokenization. Gregory H. Soule, CPA, CISA, CISSP, CFE Senior Manager. Andrews Hooper Pavlik PLC
ization Gregory H. Soule, CPA, CISA, CISSP, CFE Senior Manager Andrews Hooper Pavlik PLC 1 Agenda and Implementation EMV, Encryption, ization Apple Pay Google Wallet Recent Trends Resources Agenda and
Canada EMV Test Card Set Summary
Canada EMV Test Card Set Summary.90 January, 2018 Powered by Disclaimer Information provided in this document describes capabilities available at the time of developing this document and information available
Revolutionize Your Business with Harbortouch
Revolutionize Your Business with Harbortouch Swipe Card Regardless of the business you are in, Harbortouch has the ideal processing solution for you. Allow Harbortouch to demonstrate why our company is
Cashless Cities and Digital Payments Opportunities and Challenges in Supporting the Shift to Digital Commerce
Visa Inc. Cashless Cities and Digital Payments Opportunities and Challenges in Supporting the Shift to Digital Commerce Eduardo Perez Senior Vice President, Regional Risk Officer, Latin America and Caribbean
Converge Release Notification
Converge Release Notification January 2017 Two Concourse Parkway, Suite 800, Atlanta, GA 30328 Elavon, Incorporated 2017. All Rights Reserved Table of Contents Enhancements... 3 DCC 2.0... 3 Rate Provider
The October 1 EMV Liability Shift: Everything You Need to Know
The October 1 EMV Liability Shift: Everything You Need to Know 2 3 4 6 7 Introduction The Basics Predicting the impact Technical considerations What to look for in a service provider The financial services,
Helping merchants automate testing practices.
Helping merchants automate testing practices. Meet deadlines, facilitate certifications and overcome complexities. www.fisglobal.com As a merchant, you are in the middle of the shift from traditional cash
The Shared Electronic Banking Services Company (KNET) Knet securing E-payment for EGOV
The Shared Electronic Banking Services Company (KNET) Knet securing E-payment for EGOV November 21, 2015 Knet 2 The Shared Electronic Banking Services Company (Knet) was established in 1992. Knet Established
Contactless Toolkit for Acquirers
MASTERCARD AND MAESTRO CONTACTLESS PAYMENTS Contactless Toolkit for Acquirers DECEMBER 2016 19.7% The Global Contactless Payment Market is poised to grow at a CAGR of around 19.7% over the next decade
H RESULTS Business Report 21 September 2006 Park Hyatt hotel
H1-2006 RESULTS Business Report 21 September 2006 Park Hyatt hotel Solutions de transactions et de paiement sécurisées Results H1 2006 1- H1 2006 Financial Results > C. MALHER 2- Business Overview > A.
EMV * Contactless Specifications for Payment Systems
EMV * Contactless Specifications for Payment Systems Book A Architecture and General Requirements Version 2.6 March 2016 * EMV is a registered trademark or trademark of EMVCo LLC in the United States permitted
Emerging Opportunities in Morocco s Cards and Payments Industry
Emerging Opportunities in Morocco s Cards and Payments Industry Industry Size, Trends, Factors, Strategies, Products and Competitive Landscape Product Code: VR0935MR Published Date: August 2013 www.timetric.com
EMVCo s Contactless Indicator Trademark - Acceptable Use Cases
EMVCo s Contactless Indicator Trademark - Acceptable Use Cases Last Revised: 21 August 2014 This document is intended as a companion to the Contactless Indicator Reproduction Requirements ( Reproduction
Krajnska Gora, Slovenia, 27 February Petr Trombala
Financial Instant Issuance Gain new Clients and enhance your Service offering Krajnska Gora, Slovenia, 27 February 2013 Petr Trombala AGENDA Gain new Clients and enhance your Service offering Datacard
National Common Mobility Card (NCMC) RuPay qsparc Dual Interface Card
NCMC National Common Mobility Card (NCMC) RuPay qsparc Dual Interface Card Payment Platforms by NPCI Number of Banks covered so far Sr. no. Product/ Platform Member Banks Direct Sub- Member Total 1 NFS
Mobile Payment Platforms For The Artist
Mobile Payment Platforms For The Artist Navigating Square & PayPal On The Go Presented by Renee Ford of Renee Ford Metals Mobile Payment Options Available Square Accept Visa, MasterCard, Discover, and
Technology M&A in Acquiring. Peter Jones The Merchant Acquiring Conference 2011
Technology M&A in Acquiring Peter Jones The Acquiring Conference 2011 Topics for Today Is Technology the next step for acquiring M&A? What are the key drivers for Technology Innovation? What do s want
HEADLINE INSIGHTS ON HERE EMV TRANSACTION SPEED PERFORMANCE OPTIMIZATION
HEADLINE INSIGHTS ON HERE EMV TRANSACTION SPEED Subhead & POS Here PERFORMANCE OPTIMIZATION EXECUTIVE SUMMARY It has been more than a year since the EMV liability shift came into effect in the U.S. and
INDUSTRY OVERVIEW. the [REDACTED] and no representation is given as to their accuracy.
![INDUSTRY OVERVIEW. the [REDACTED] and no representation is given as to their accuracy.](/thumbs/74/69857769.jpg "INDUSTRY OVERVIEW. the [REDACTED] and no representation is given as to their accuracy.")
We have extracted and derived the information and statistics in the section below, in part, from various official government publications or other sources. We believe that the sources of this information
The Migration to EMV in the USA from a Founders Perspective. Philip Andreae Oberthur Technologies
The Migration to EMV in the USA from a Founders Perspective Philip Andreae Oberthur Technologies Chip Card Contact multisim Identity Card Passport SIM card Access Control Identity Dual Card Form Factors
EMV Testing and Certification White Paper: Current Global Payment Network Requirements for the U.S. Acquiring Community
AN EMV MIGRATION FORUM TESTING AND CERTIFICATION WORKING COMMITTEE WHITE PAPER EMV Testing and Certification White Paper: Current Global Payment Network Requirements for the U.S. Acquiring Community Version
eid Meets Credit Cards and Biometrics: The Next Stage of Convergence Adam Ross Sales Manager eid Solutions EMEA, cv cryptovision GmbH
eid Meets Credit Cards and Biometrics: The Next Stage of Convergence Adam Ross Sales Manager eid Solutions EMEA, cv cryptovision GmbH cv cryptovision GmbH T: +49 (0) 209.167-24 50 F: +49 (0) 209.167-24
PIN Issuance & Management
PIN Issuance & Management From PIN selection to PIN verification Card issuers and merchants know they can put their trust in MagTek. Whether meeting the growing need for instant, in-branch card and PIN
Apple Pay Could Finally Ignite the Tap-and-Pay Revolution
November 20, 2014 Apple Pay Could Finally Ignite the Tap-and-Pay Revolution DEBORAH WEINSWIG Executive Director Head FBIC Global Retail publication: Research apple pay and could Intelligence finally ignite
MOBILE CHECKOUT SOLUTION
MOBILE CHECKOUT SOLUTION MONEXgroup in this report introduces the Mobile Checkout Solution for merchants who process payments on-the-go using their Smartphone devices. Mobile Checkout allows businesses
VeriFone VX QUICK REFERENCE GUIDE
QUICK REFERENCE GUIDE VeriFone VX This Quick Reference Guide will guide you through understanding your terminal s functionality and navigation, and will help you with troubleshooting. INDUSTRY Retail and
Wirecard AG Investor Presentation. Results 3 rd Quarter of Fiscal 2011
Wirecard AG Investor Presentation Results 3 rd Quarter of Fiscal 2011 Agenda 1 Results, Company and Stock 2 Growth Drivers and Trends 2011 3 Financial Data 2011 Wirecard AG 2 Key Figures 9 Months Results
Scandinavia Roadshow. September 25 th 26 th, 2013
Scandinavia Roadshow September 25 th 26 th, 2013 Ingenico, a leading provider of payment solutions A truly global player, with strong scale effect Positioned all across the value chain from payment terminals
USA EMV Test Card Set Summary
USA EMV Test Card Set Summary.80 January, 2018 Powered by Disclaimer Information provided in this document describes capabilities available at the time of developing this document and information available
CONTRACTUAL COMPLIANCE DEADLINE COMPOUNDED FINES FOR MISSING THE REVIEW APPROACHING DEADLINES
Special Alert atm and card security update July 2012 This article discusses the need for security compliance reviews of institutions with automated teller machines (ATM) and instant issue credit/debit
Special Notes Regarding the CITGO Payment Card Guide and Regulations Manual
Special Notes Regarding the CITGO Payment Card Guide and Regulations Manual Although you ll find most of the content to be quite familiar, you ll notice that the manual has a new format which makes it