Covering Your Assets: Payment Landscape and Technology
|
|
- Coral Hutchinson
- 5 years ago
- Views:
Transcription
1 Covering Your Assets: Payment Landscape and Technology Keith Lam Sr. Product Manager 2016 Epicor Software Corporation
2 Keith Lam Senior Product Manager 9+ years at Epicor, focusing on building great products and services that help the independent retailer succeed and grow Product focus is on Cloud, SaaS, Payment, Financial, Security, Hardware and Pharmacies Passionate about consumer engagement and loyalty how technology can help small retailers reach new customers and keep existing customers through multi-channel marketing and personalized communication, as well as data security 2016 Epicor Software Corporation Eagle Online Academy 2
3 Covering Your Assets: Payment Landscape and Technology Keith Lam Sr. Product Manager 2016 Epicor Software Corporation
4 The contents of this document are for informational purposes only and are subject to change without notice. Epicor Software Corporation makes no guarantee, representations or warranties with regard to the enclosed information and specifically disclaims, to the full extent of the law, any applicable implied warranties, such as fitness for a particular purpose, merchantability, satisfactory quality or reasonable skill and care. This document and its contents, including the viewpoints, dates and functional content expressed herein are believed to be accurate as of its date of publication, April The usage of any Epicor products or services is subject to Epicor s standard terms and conditions then in effect. Usage of the solution(s) described in this document with other Epicor software or third party products may require the purchase of licenses for such other products. Epicor, the EPICOR logo, Eagle, Grow Business, Not Software, are trademarks or registered trademarks of Epicor Software Corporation in the United States, and in certain other countries and/or the EU. Copyright 2016 Epicor Software Corporation. All rights reserved Epicor Software Corporation Eagle Online Academy 4
5 Agenda 1. Different Ways to Pay 2. How the Bankcard Payment Chain Works 3. New Payment Options 4. Payment Security 2016 Epicor Software Corporation Eagle Online Academy 5
6 In 2015, what was the most used payment method? A. Cash B. Check C. Debit Card D. Credit Card 2016 Epicor Software Corporation Eagle Online Academy 6
7 Different Ways to Pay Cash is still King! Epicor Software Corporation Eagle Online Academy 7
8 Different Ways to Pay However Cash and check use is declining fast. 18% of consumers using alternative payment methods Epicor Software Corporation Eagle Online Academy 8
9 How the Bankcard Payment Chain Works 2016 Epicor Software Corporation Eagle Online Academy 9
10 Card Payment Value Chain First Data, Elavon, EPX Visa, MC, Amex, Disc Citibank, Chase, BofA Cardholder presents card to pay for purchases Merchant swipes card, enters amount and transmits authorization request to processor Processor electronically sends the auth request to credit card company Credit card company routes request to cardholders issuing bank Issuer approves or declines the transaction CARDHOLDER MERCHANT PROCESSOR CARD COMPANY ISSUER Cardholder account is debited Merchant completes the transaction Processor forwards response to merchant Card company forwards response to processor Issuer transmits approval or decline to credit card company The Merchant pays between 2%-$% of the total transaction amount to accept card payments: ~ 10-20% ~ 5% ~ 70-90% Trans = $ 40.00, MD = 3% $ 0.20 $ 0.06 $ Epicor Software Corporation Eagle Online Academy 10
11 New Payment Options 2016 Epicor Software Corporation Eagle Online Academy 11
12 New Payment Options Apple Pay Android Pay/Google Wallet PayPal Samsung Pay/Loop Bitcoin 2016 Epicor Software Corporation Eagle Online Academy 12
13 Apple Pay and Google Wallet Apple Pay and Google Wallet are all mobile payment options that allow you to use your smartphone to pay for purchases using your bankcards or a prepaid card. Apple Pay and Google Wallet do not store the actual bankcard number on your phone for better security and fraud protection Epicor Software Corporation Eagle Online Academy 13
14 Apple Pay How does Apple Pay work? Specific to your iphone Token is sent to the processor who matched it to a bankcard for payment Verification - TouchID Token A random number, that represents your bankcard, generated specific to your iphone. Security Token cannot be stolen and used to create a physical bankcard, cannot be used for internet ordering nor used on a different device 2016 Epicor Software Corporation Eagle Online Academy 14
15 Google Wallet/Android Pay How does Google Wallet work? Verification 4 digit pin Creates virtual card Pay with the virtual card that pulls from your bankcard Virtual Card Represents your bankcard. Real card is stored on Google servers Security Virtual card cannot be stolen and used to create a physical bankcard, cannot be used for internet ordering nor used on a different device. With Android pay, it is similar to Apple Pay where a one use token is presented and transmitted. Google still stores your credit cards 2016 Epicor Software Corporation Eagle Online Academy 15
16 PayPal Epicor Software Corporation Eagle Online Academy 16
17 Samsung Pay/Loop Epicor Software Corporation Eagle Online Academy 17
18 Bitcoin Epicor Software Corporation Eagle Online Academy 18
19 Do you accept mobile payments in your business? A. Yes, we do, but our customers don t use them very much. B. Yes, we do, and our customers use them frequently. C. No, but we re interested in doing so. D. No. It s cash, check or cards for us Epicor Software Corporation Eagle Online Academy 19
20 Payment Security 2016 Epicor Software Corporation Eagle Online Academy 20
21 Payment Security Low Risk-High Reward Low Reward-High Risk Chris Swecker, Former FBI Asst Director 2016 Epicor Software Corporation Eagle Online Academy 21
22 Types of Hacked Fraud What would you like to order from the black market? Epicor Software Corporation Eagle Online Academy 22
23 Have you had a data breach in your business? A. Yes. B. No. C. I m not sure! 2016 Epicor Software Corporation Eagle Online Academy 23
24 Payment Security - Cash Options File -> Configure -> Application Options -> Option Group Cash Draw Balancing Online help Setting Up the Cash Drawer Balancing Feature 2016 Epicor Software Corporation Eagle Online Academy 24
25 Payment Security - Checks ECC Epicor Software Corporation Eagle Online Academy 25
26 Payment Security - Bankcards EMV Transactional Security Point to Point Encryption Tokenization 2016 Epicor Software Corporation Eagle Online Academy 26
27 Payment Security EMV Security EMV Chip cards, chip and pin, chip and signature Two protections: 1. Verification Chip card is real 2. Authentication Cardholder is real Protect from fraudulently created bankcards only. Does not encrypt or tokenize the card number Epicor Software Corporation Eagle Online Academy 27
28 Payment Security Transactional Security Point to point encryption and tokenization are two different payment security features, normally used together Designed to remove any actual bankcard numbers from being stored, processed or transmitted by your POS system through to the Payment Gateway or Processor. This combined solution reduces your PCI scope because your system and networks are designed never to see any real bankcard numbers Epicor Software Corporation Eagle Online Academy 28
29 Payment Security Transactional Security Point to Point Encryption Encrypts a consumer s bankcard data at point of swipe or insertion Only the encrypted bankcard number is send from the pin pad to the POS system and internet ABD 5432 %25DUCK=$3& Encrypted swipe data Preserves 1 st 6 and last 4 digits 2016 Epicor Software Corporation Eagle Online Academy 29
30 Payment Security Transactional Security Tokenization A random number token is created for the actual bankcard number This token is POS system and bankcard specific; i.e. the token cannot be used at another retailer Epicor Gateway BD 3GH Tokenized card Preserves 1 st 6 and last 4 digits 2016 Epicor Software Corporation Eagle Online Academy 30
31 Payment Security Transactional Security No actual bankcard numbers are in your POS system so nothing of value can be stolen If tokens are stolen, they cannot be made into usable bankcards or used on internet sites If you have a data breach, none of your customer s actual bankcard information will be stolen 2016 Epicor Software Corporation Eagle Online Academy 31
32 Payment Security Features EMV Transactional Security Helps prevent fraudulent bankcards from being used at your store Helps prevent bankcard numbers from being stolen from your store Apple Pay Android Pay 2016 Epicor Software Corporation Eagle Online Academy 32
33 Payment Security Account Takeovers What is it? Someone steals your business credential and uses them to steal money from your accounts ID theft Fraud method Phishing, social engineering, phony calls, malware, and virus Result Stolen user name, passwords, account numbers, vendors information, bank information, or social security numbers 2016 Epicor Software Corporation Eagle Online Academy 33
34 Payment Security Account Takeovers How it works? Fraud Advisory for Businesses: Corporate Account Take Over. United States Secret Service, FBI, IC3, and FS-ISAC Epicor Software Corporation Eagle Online Academy 34
35 Payment Security Account Takeovers Who helps you? No one, the bank sees this as a valid transfer. The receiving bank cannot give you info on the account holder and the account is closed and the funds are gone Only you and your employees can protect your business 2016 Epicor Software Corporation Eagle Online Academy 35
36 The best way to avoid becoming a victim of a cyberheist is not to let computer crooks into the computers you use to access your organization s bank accounts online. - Brian Krebs 2016 Epicor Software Corporation Eagle Online Academy 36
37 Payment Security Account Takeovers Recommendations Educate your employees Protect your online environment Partner with the banks (call backs, device authentication, multi person approvals, 2 factor authentication) Pay attention to suspicious activity and react quickly Understand you responsibilities and liabilities Epicor Software Corporation Eagle Online Academy 37
38 Payment Security Account Takeovers Great resource - KrebsOnSecurity.com Blog from Brian Krebs who broke the Target breach and provides great recommendations for personal and business protections Epicor Software Corporation Eagle Online Academy 38
39 Summary Cash is King, alternatives moving up Bankcard payment chain and who makes money New payment options from Apple Pay to Bitcoin Payment Security Cash, check, bankcards and accounts Ways to protect these assets 2016 Epicor Software Corporation Eagle Online Academy 39
40 Summary Payment types will continually change and so will thieves and hackers, but remember this: 1. You make the decision on the risk for your business. 2. Use the latest security protections. 3. Limit access of personnel and computers that can access sensitive information Epicor Software Corporation Eagle Online Academy 40
41 For more information on products featured in today s presentation, or to find out how Epicor Professional Services can help you grow your business, please contact your Account Manager at Epicor Software Corporation Eagle Online Academy 41
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
More informationEMV 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,
More informationCredit and Debit Card Fraud
Credit and Debit Card Fraud The Electronic Payment World, A Multi- Billion Dollar Market According to The Nilson Report in 2014 there were: US$89.93 Billion dollars in credit card transactions. US$105.63
More informationEpicor Eagle EMV Implementation Guide. Step-by-Step
Epicor Eagle EMV Implementation Guide Step-by-Step This Guide summarizes actions we believe you must follow to make your Eagle system EMV enabled as of the date of publication (February 2016). The information
More informationThe 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
More informationFrequently Asked Questions. Regarding EMV Update Webinar for Epicor Eagle Customers
Frequently Asked Questions Regarding EMV Update Webinar for Epicor Eagle Customers In this document, we provide our view about the upcoming EMV standards. The contents of this document are for informational
More informationPCI COMPLIANCE PCI COMPLIANCE RESPONSE BREACH VULNERABLE SECURITY TECHNOLOGY INTERNET ISSUES STRATEGY APPS INFRASTRUCTURE LOGS
TRAILS INSIDERS LOGS MODEL PCI Compliance What It Is And How To Maintain It PCI COMPLIANCE WHAT IT IS AND HOW TO MAINTAIN IT HACKERS APPS BUSINESS PCI AUDIT BROWSER MALWARE COMPLIANCE VULNERABLE PASSWORDS
More informationSecuring 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
More informationPayment Processor Buying Guide. How to prepare for sending out an RFP
Payment Processor Buying Guide How to prepare for sending out an RFP Payment Processor Buying Guide This document is meant to provide potential customers a framework to evaluate payment processors. PRELIMINARY
More informationEMV, 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
More informationMerchant 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
More informationIntroduction to EMV BEYOND PAYMENT
Introduction to EMV TAKING YOU TAKING YOU BEYOND PAYMENT Why EMV? Security Magstripe cards are easily reproduced EMV can verify card and user authenticity Chip & PIN Interoperability The world has moved
More informationHot Topics in Payments Cornerstone CU League Small CU Committee July 9, 2014
Hot Topics in Payments Cornerstone CU League Small CU Committee July 9, 2014 Matt Davies, AAP, CTP, CPP Federal Reserve Bank of Dallas 1 Mobile Banking Constant development cycle Online banking customer
More informationTHE FUTURE OF TRANSACTING
1 Payments - Create and Protect Recurring Revenue Opportunities THE FUTURE OF TRANSACTING The Future is Genius SuperDeck Creative v.1 10.22.2015 Who are we? 2 Our payment solutions enable businesses to
More informationAptos Payment and Secure Data Management
Aptos Payment and Secure Data Management 2 Aptos Payment & Secure Data Management Aptos: Engaging Customers Differently To succeed in today s demanding retail environments you must be able to fully understand
More informationEMV 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
More informationEMV Cards - Chipping Away at Fraud
EMV Cards - Chipping Away at Fraud Bill Kniering Director, Commercial Card Client Management MUFG Union Bank, N.A. A member of MUFG, a global financial group 2015 Mitsubishi UFJ Financial Group, Inc. All
More informationEMV Migration Updates and Next Steps
EMV Migration Updates and Next Steps Michael Carrick, US Business Development Thursday February 16, 2017 1:00 1:35 Agenda ACCEO Tender Retail Who We Are EMV Quick Facts EMV Adoption Rates EMV is a Four
More informationVersion 7.4 & higher is Critical for all Customers Processing Credit Cards!
Version 7.4 & higher is Critical for all Customers Processing Credit Cards! Data Pro Accounting Software met the latest credit card processing requirements with its release of Version 7.4 due to the recently
More informationA CryptoCodex Ltd. Product
A CryptoCodex Ltd. Product The Pitch QRedit is a Credit Card Cyber Security Solution that is designed to allow consumers to quickly and securely shop online and on social media sites, even on an infected
More informationIgnite Payment s Program on EMV
Ignite Payment s Program on EMV 2015 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
More informationThe 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
More informationEMV 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
More informationMobile and Contactless Payments Requirements and Interactions
Mobile and Contactless Payments Requirements and Interactions Version 1.0 Date: February 2018 2018 U.S. Payments Forum and Smart Card Alliance. All rights reserved. Page 1 About the U.S. Payments Forum
More informationHow Safe Are Mobile Payments? MAC Webinar
How Safe Are Mobile Payments? MAC Webinar March 16, 2017 Dave Lott Payments Risk Expert Federal Reserve Bank of Atlanta The views expressed in this presentation are those of the presenters and do not necessarily
More informationChanging Consumer Purchasing Patterns
Changing Consumer Purchasing Patterns John Mayleben, CPP SVP, Technology and Product Development Retailers Processing Network Michigan Retailers Association Retailers Processing Network & Michigan Retailers
More informationEMV WHAT DOES IT MEAN? HOW WILL IT AFFECT US? HOW DO WE SWITCH TO EMV?
EMV WHAT DOES IT MEAN? HOW WILL IT AFFECT US? HOW DO WE SWITCH TO EMV? Scott Romberger Snow Time, Inc. David Frick Transaction Resources, Inc. Mark Danemann Accesso Siriusware Padraig Power - ORDA What
More informationEMV 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
More informationRevolutionize 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
More informationIt s OK to Make Money! How to Create Rules and Plans with Pricing Planner. Session Q&A
It s OK to Make Money! How to Create Rules and Plans with Pricing Planner Session Q&A 1. Where are these "Sensitivity Codes" in the EFM data and where are they shown in IMU application? We buy most items
More informationBenefits of adding Debit & ACH Lowering Cost of Payments
Your source for payments education Benefits of adding Debit & ACH Lowering Cost of Payments Nandan Sheth, First Data, SVP, Global Debit Solutions Key Takeaways 1. Evolution of commerce and expansion of
More informationSemi-Integrated EMV Payment Solution
acceo tender retail Semi-Integrated EMV Payment Solution tender-retail.acceo.com Take control of your payment transactions ACCEO Tender Retail is a semi-integrated payment middleware solution that handles
More informationTop 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
More informationAre We Ready for Electronic Payments?
Are We Ready for Electronic Payments? August 25, 2016 Presented by: Joe Harvis & William Shadbolt Easy log in with existing Amazon log in credentials, no need to create new username and password Trusted
More informationMy new Apple device will have a payment feature. How do I set it up?
F S HOW IT WORKS: PPLE PY ND DIGITL CCOUNT NUMBERS My new pple device will have a payment feature. How do I set it up? Before making payment with your new pple Device you will need to follow a few simple
More informationNorth America Terminal Brochure Guide
Point-of-Sale Terminals page 1 North America Terminal Brochure Guide 2017 Elavon Inc. Elavon is a registered trademark in the United States and other countries. This document is prepared by Elavon as a
More informationThe Small Business Guide to Mastering EMV
The Small Business Guide to Mastering EMV EMV 101 Understanding the Basics of EMV Technology Get to Know the Chip What is EMV? Understanding EMV & the Technology that Powers EMV Cards EMV, which stands
More informationGoiNG SMARt U.S. implementation of SMARt PAyMENt cards on the horizon 10 SUMMER 2013 TEN
Going SMART U.S. implementation of smart payment cards on the horizon 10 SUMMER 2013 TEN uppose you re on vacation in the United Kingdom and decide to buy something. You insert your credit card into a
More informationIt s OK to Make Money! How to Create Rules and Plans with Pricing Planner
It s OK to Make Money! How to Create Rules and Plans with Pricing Planner Sandy Lieber Phone Trainer 2016 Epicor Software Corporation Sandy Lieber Phone Trainer Over 10 years Retail experience Prior to
More informationEMV Implementation Guide
iqmetrix Payment Processing 12/18/2014 EMV Implementation Guide 1-866-iQmetrix www.iqmetrix.com Table of Contents 1. Introduction... 2 2. What is EMV?... 2 3. How is a chip card different?... 2 4. How
More informationEndpoint Security. The Case for a Secure Wallet. Anything important needs to be protected with hardware
The Case for a Secure Wallet It is a new concept, my wallet is only as secure as it is because its in my pocket, or my bag, or my desk? Wait, the bedside table in my hotel room? It is a new concept, people
More informationMITIGATE THE RISK OF FRAUD AND COMPLIANCE COSTS with EMV mandates. An NCR white paper
MITIGATE THE RISK OF FRAUD AND COMPLIANCE COSTS with EMV mandates An NCR white paper Don t let your aging ATM network put you at risk of non-compliance and the threat of liability for fraudulent transactions.
More informationWhy chip cards? HELP PREVENT FRAUD: HELP AVOID LIABILITY: ACCEPT MOBILE TAP & PAY TOO: DYNAMIC AUTHENTICATION: Contact us
Why chip cards? HELP AVOID LIABILITY: Chip cards help protect your business from accepting counterfeit cards and potentially being financially liable for reimbursing fraudulent transactions. HELP PREVENT
More informationEvaluating Processing Infrastructure, Support & Costs
Evaluating Processing Infrastructure, Support & Costs Leveraging Changes in Technology for Improved Customer Experience & Profits Transactions are the lifeblood for convenience stores. From the customers
More informationEMV: 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
More informationMinimizing the Impact of EMV & Churn on Your Subscription Business
Minimizing the Impact of EMV & Churn on Your Subscription Business Powering Subscription Success The Impact of EMV Technology If you re a merchant in particular, if your business is primarily online and
More informationCHIP CARDS: WILL THEY PREVENT FRAUD?
EMV cards named for Europay, MasterCard, and Visa, the three companies that originally developed the specifications for the technology represent a significant improvement over magnetic strip cards, but
More informationWHERE DO YOU WANT TO GROW. Solutions for Community Financial Institutions
WHERE DO YOU WANT TO GROW TODAY? Solutions for Community Financial Institutions 2 Today s users demand more from their financial institution. They expect their banking experiences to be digital, easy,
More informationEMV and Apple Pay. The world of credit cards is on the move.
EMV and Apple Pay The world of credit cards is on the move. Today we will talk about The basics of EMV and Apple Pay. There are a lot of details we could get lost in. This is a high-level overview. We
More informationBy agreeing to these Terms and Conditions, you represent the following:
CITI CARD DIGITAL WALLET TERMS AND CONDITIONS Last Modified: August 21, 2018 These terms and conditions ( Terms and Conditions ) are a legal agreement between you and Citibank, N.A. ( Citibank ) that governs
More informationEMV chip technology ARE COMPANIES AND CONSUMERS REALLY READY?
EMV chip technology ARE COMPANIES AND CONSUMERS REALLY READY? 2 If you own a credit or debit card and have yet to hear of EMV chip technology, listen up. On October 1, 2015, MasterCard, Visa, Discover,
More informationEnsuring the Safety & Security of Payments. Faster Payments Symposium August 4, 2015
Ensuring the Safety & Security of Payments Faster Payments Symposium August 4, 2015 Problem Statement: The proliferation of live consumer account credentials Bank issues physical card Plastic at point
More informationEMV Beyond October 1, Kristi Kuehn VP, Compliance Heartland
EMV Beyond October 1, 2015 Kristi Kuehn VP, Compliance Heartland Conexxus Host Linda Toth, Director of Standards Conexxus Moderator Mark Carl, CEO EchoSat Presenter Kristi Kuehn, Vice President, Compliance
More informationSecure Remote Payment Council (SRPc) White Paper Discussion: EMV Enhancements Post Implementation September 13, 2016
Secure Remote Payment Council (SRPc) White Paper Discussion: EMV Enhancements Post Implementation September 13, 2016 Objective This white paper is the fifth in the series developed by the Secure Remote
More informationEMV: The Race Is On! September 24, 2013
EMV: The Race Is On! September 24, 2013 Bill Thomas Vice President, Member Operations United Nations Federal Credit Union Leanne Phelps Senior Vice President, Card Services State Employees Credit Union
More informationPAYMENT CARD INDUSTRY DATA SECURITY STANDARD SELF-ASSESSMENT QUESTIONNAIRE (SAQ) A GUIDE
PAYMENT CARD INDUSTRY DATA SECURITY STANDARD SELF-ASSESSMENT QUESTIONNAIRE (SAQ) A GUIDE Last Reviewed: December 13, 2017 Last Updated: December 19, 2017 PCI DSS Version: v3.2, rev 1.1 Prepared for: The
More informationQUICK REFERENCE GUIDE Online POS Terminal. Thank you for choosing the Online POS Terminal. Chase is pleased to announce an
QUICK REFERENCE GUIDE ONLINE POS TERMINAL 1 ipp 320 PIN Pad QUICK REFERENCE GUIDE Online POS Terminal Thank you for choosing the Online POS Terminal. Chase is pleased to announce an enhanced version of
More informationCHIP CARDS. Banks are issuing payment cards embedded with security chips to help protect you against fraud at the register. What is a Chip Card?
BANK NAME 1234 5678 9012 3456 Exp. 2018 JOHN DOE CHIP CARDS Banks are issuing payment cards embedded with security chips to help protect you against fraud at the register. What is a Chip Card? How Do I
More informationMerchant Considerations for U.S. Chip Migration. EMV Migration Forum/National Retail Federation September 2014
Merchant Considerations for U.S. Chip Migration EMV Migration Forum/National Retail Federation September 2014 2 About the EMV Migration Forum The EMV Migration Forum is a cross-industry body focused on
More informationWhy contactless pickpocketing is impossible
Why contactless pickpocketing is impossible The myth: Data theft with long-range RFID readers This myth says that fraudsters would be able to use long-range RFID readers to extract data from contactless
More informationEMV FAQ S FROM A MERCHANT S PERSPECTIVE
EMV FAQ S FROM A MERCHANT S PERSPECTIVE WHAT IS EMV? EMV, or Europay MasterCard Visa, is a fraudreducing technology that can help protect issuers, merchants and consumers against losses from the use of
More informationFrequently Asked Questions
Chip Card for U.S. Commercial Card Below are some frequently asked questions to help you understand the chip card benefits and usage, as well as, chip card program management. General 1. What is a chip
More informationQUICK REFERENCE GUIDE Online POS Terminal. Thank you for choosing the Online POS Terminal. Chase is pleased to announce an
QUICK REFERENCE GUIDE ONLINE POS TERMINAL 1 ipp 320 PIN Pad QUICK REFERENCE GUIDE Online POS Terminal Thank you for choosing the Online POS Terminal. Chase is pleased to announce an enhanced version of
More informationLeveraging Data Security Technology. October 19 th 9:15 AM
Leveraging Data Security Technology October 19 th 9:15 AM Presenters Moderator Linda Toth Director of Standards Conexxus, Inc. Speakers Kara Gunderson POS Manager CITGO Petroleum Corp Mike Lindberg Payment
More informationA Buyer s Guide to POS
A Buyer s Guide to POS CONTENTS 3 Know Your Hardware 7 EMV & Payment Processing 2 4 6 Know Your Software Decide on Your OS 8 9 EMV & Payment Solutions Security A point-of-sale (POS) system is the foundation
More informationChip and PIN Programme. Using chip and PIN
Chip and PIN Programme Using chip and PIN Introduction This material is designed to train retail staff on using chip and PIN. This presentation is in PDF format, however if you would like to extract slides
More informationWhat Do Merchants Need to Be Successful Online?
What Do Merchants Need to Be Successful Online? Understanding all of the working parts involved in your merchant customers success online Domain Registrar Web/App Developer Web Hosting Shopping Cart Accepting
More informationPayment Gateway Overview. Get familiar with credit card processing & our platform
Payment Gateway Overview Get familiar with credit card processing & our platform What Do Merchants Need to Be Successful Online? Understanding all of the working parts involved in your merchant customers
More informationVerifone 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
More informationDatacap s Guide to EMV in the US
Datacap s Guide to EMV in the US A Datacap Whitepaper 2 What is EMV? 3 Datacap s experience with EMV benefit of a one-tomany interface 4 What will EMV with Datacap look like? 6 PIN Pad hardware options
More informationDear Valued Member, Sincerely, Jerry Jordan President & CEO CGR Credit Union
Dear Valued Member, To further support your financial needs into the future, we will convert our ATM/ debit card program from our current Mastercard ATM/debit card program to a new and improved VISA ATM/debit
More informationApple Pay and Tokenization Background and Overview
A Euronet Software Solutions White Paper Apple Pay and Tokenization Background and Overview By Stephen Butcher Euronet Software Solutions Product Manager Cards and Networks November 2014 2014 Euronet Software
More informationSecuring Our Future Growth Gord Jamieson Visa North America Risk Services. Visa Public
Securing Our Future Growth Gord Jamieson Visa North America Risk Services Visa Public Copyright and Third Party Mark Notice Copyright Notice Visa 2014. All rights reserved. This material may not be distributed
More informationProxama PIN Manager. Bringing PIN handling into the 21 st Century
Proxama PIN Manager Bringing PIN handling into the 21 st Century I am not a number I am a free man So said the The Prisoner in that 1960s cult TV show, but Personal Identification Number, or PIN, was adopted
More informationMerchant Considerations for U.S. Chip Migration. EMV Migration Forum/National Retail Federation September 2014
Merchant Considerations for U.S. Chip Migration EMV Migration Forum/National Retail Federation September 2014 2 About the EMV Migration Forum The EMV Migration Forum is a cross-industry body focused on
More informationFrequently Asked Questions
Chip Card for U.S. Commercial Card Below are some frequently asked questions to help you understand the chip card benefits and usage, as well as, chip card program management. General 1. What is a chip
More informationGetting Out of PA-DSS Scope and Eliminating the High Cost of EMV: What you need to know
January 2015 Getting Out of PA-DSS Scope and Eliminating the High Cost of EMV: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2015 Heartland Payment
More informationFIS Global Retail Payments. Centralize your enterprise with ONE trusted partner.
FIS Global Retail Payments Centralize your enterprise with ONE trusted partner. PREFERENCE-DRIVEN PAYMENTS Our retail payments solutions revolve around your customers preferences. FIS TM delivers a multidimensional
More informationPayment Card Industry Data Security Standard Self-Assessment Questionnaire B Guide
Payment Card Industry Data Security Standard Self-Assessment Questionnaire B Guide Prepared for: University of Tennessee Merchants 12 May 2015 Prepared by: University of Tennessee System Administration
More informationTerminal Guide. VeriFone. VX520 with VX820 PIN Pad VX820 Duet VX680 3G
Terminal Guide VeriFone VX520 with VX820 PIN Pad VX820 Duet VX680 3G Getting Started The VeriFone Terminal Guide will help you set up your terminal, understand your terminal s functionality, and troubleshoot
More informationEMV 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
More informationSecurity Evaluation of Apple Pay at Point-of-Sale Terminals
2016 10th International Conference on Next Generation Mobile Applications, Security and Technologies Security Evaluation of Apple Pay at Point-of-Sale Terminals Marian Margraf Freie Universität Berlin
More informationSTAR Network Overview
STAR Network Overview Presented by: Jeff Jakopec, Sr. Strategy Business Development September 26, 2017 What Differentiates STAR Network From the Rest STAR provides market leading fraud solutions that help
More informationVisa s Future of Security Roadmap: Australia
Visa s Future of Security : Australia Contents Executive Summary 3-Domain Secure 2.0 Biometrics Tokenisation EMV Chip Technology Expanding Mobile Acceptance Mobile Geo-location Transaction Controls and
More informationEmerging Payments: The Next Step in Providing Member Convenience via Channel Expansion. Presented by CO-OP Financial Services
Emerging Payments: The Next Step in Providing Member Convenience via Channel Expansion Presented by CO-OP Financial Services Today s Presenters DR.KATHYHERZIGER-SNIDER Vice President, Product Development
More informationA 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
More informationFrequently Asked Questions
Chip Card for U.S. Commercial Card Below are some frequently asked questions to help you understand the chip card benefits and usage, as well as, chip card program management. General 1. What is a chip
More informationCredit Card Processing:
Credit Card Processing: What Your Nonprofit Needs to Know Presenter: Erik Verryden, Founder/CEO National Processing Solutions (NPS) 602-892-5047 erikv@npsaz.com www.npsaz.com Copyright 2003 2017 DBA: National
More informationInstant 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.
More informationTechnology 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,
More informationKnow Your Numbers: Doing More with Performance Manager
Know Your Numbers: Doing More with Performance Manager Sandy Lieber Phone Trainer 2016 Epicor Software Corporation Sandy Lieber Phone Trainer Over 10 years Retail experience Prior to Epicor, previously
More informationAre You Ready for EMV?
Are You Ready for EMV? Is It Ready For You? 54 PEI.ORG Second Quarter 2014 The PEI Journal last wrote at length on EMV (Europay MasterCard Visa) in our Third Quarter 2012 issue. Almost two years ago. What
More informationFOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION
FOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION MAKE THE SWITCH TO MONEXgroup ecommerce I Mobile I Wireless I Integrated I Countertop Solutions PAYMENTS IN-STORE PAYMENTS ON-THE-GO PAYMENTS ONLINE Accept
More informationEMV THE DEFINITIVE GUIDE FOR US MERCHANTS AND POS RESELLERS
EMV THE DEFINITIVE GUIDE FOR US MERCHANTS AND POS RESELLERS WHAT IS EMV EMV is a global standard for credit and debit card processing designed to replace magnetic stripe cards. Also referred to as chip
More informationAre There Payment Data Threats Lurking in Your Hospital?
White Paper Are There Payment Data Threats Lurking in Your Hospital? With all the recent high profile stories about data breaches, payment data security is a hot topic in healthcare today. There s been
More informationTHE ADOPTION OF EMV TECHNOLOGY IN THE U.S. By Guy Berg Global Industry Sales Consultant Datacard Group
THE ADOPTION OF EMV TECHNOLOGY IN THE U.S. By Guy Berg Global Industry Sales Consultant Datacard Group Abstract: Visa Inc. and MasterCard recently announced plans to accelerate chip migration in the United
More informationHeartland Payment Systems
Heartland Payment Systems Publicly traded on the NYSE: HPY FORTUNE 1000 company Processes more than 11 million transactions a day Serves over 250,000 business locations nationwide Over 3,000 employees
More informationGuiding Principles for Next Generation Mobile Payments NFC Solutions Summit 2012
Guiding Principles for Next Generation Mobile Payments NFC Solutions Summit 2012 Marianne Crowe Vice President, Payment Strategies Federal Reserve Bank of Boston May 23, 2012 Federal Reserve Perspective
More information