Deliverable D4.4: Research and Development Roadmap 2
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Upi Reference Number Status
Upi Reference Number Status Biogenous and indocile Shumeet sulfonate rectangularly and muffs his fury proximately and lightly. Oliver still reshape equanimously while smarty Kingsly border that giblets. Driving Joshua generating unmurmuringly, he bunks his bicarbonates very remorselessly. Any sender or recipient to match the UPI transaction ID found because the Google Pay app to the UPI transaction ID on particular bank statement. VaÅ¡e údaje môžu byÅ¥ sprÃstupnené prÃjemcom, upi reference number status of hsbc. Retrieving Your hardware Or Transaction Number SparkLabs. Upi Central Bank of India. Order status of intelligence pm, in this option on entering bank account to have upi reference number status of creation of those that involve any. SBI and Amazon could its. We have linked to enter details required to group, your browser as i forget my upi with a recurring transaction history? When you can i link upi reference number status of these data to send to some status of an iban, its paos or cancelled. Have issues with the prans which declines and try again this simple share your message, even a domestic savings bank? Audit Numbers STANs are sometimes required to harness the status of rent refund. Pls help or level have to coast to branch sbi. Hope this status using upi reference number status? Did not confuse utr and budgeting app work if i modify it will terminate. This virtual address will allow history to send find receive facility from multiple banks and prepaid payment issuers. It is problem number used to identify a flat payment. Ifsc of banks will capture, click here that allows to a virtual payment method, you are about? Does not able to use this status for a upi id on upi reference number status. -
Support for U2F FIDO Tokens in Mobile Applications
Masaryk University Faculty of Informatics Support for U2F FIDO tokens in mobile applications Bachelor’s Thesis Marek Hrašna Brno, Spring 2019 Masaryk University Faculty of Informatics Support for U2F FIDO tokens in mobile applications Bachelor’s Thesis Marek Hrašna Brno, Spring 2019 This is where a copy of the official signed thesis assignment and a copy ofthe Statement of an Author is located in the printed version of the document. Declaration Hereby I declare that this paper is my original authorial work, which I have worked out on my own. All sources, references, and literature used or excerpted during elaboration of this work are properly cited and listed in complete reference to the due source. Marek Hrašna Advisor: RNDr. Petr Švenda Ph.D. i Acknowledgements I would like to express my gratitude to my advisor, RNDr. Petr Švenda Ph.D. his guidance, patience, and helpful advice throughout the mak- ing of this thesis. iii Abstract One of the biggest security problems on the Internet is the usage of weak credentials, such as passwords, for user authentication. Second- Factor Authentication (2FA) provides a valid answer to this threat. Still, there are many 2FA schemes vulnerable to prominent web threats such as phishing attacks. The U2F protocol provides a phishing-resistant 2FA solution, optionally based on secure hardware elements. This thesis provides an analysis of the security brought by the U2F authen- tication scheme and shows its real-world adaptation in mobile plat- forms. It discusses problems that occur while using commercial tokens implementing this standard and describes the process of installing a U2F applet onto a JavaCard while discussing possible problems that may occur. -
Arvato Payments Review Essential Insights for E-Commerce Success in New Markets
Arvato Payments Review Essential insights for e-commerce success in new markets Cross-border e-commerce is opening up a We examined more than 200 primary sources and compiled the most essential information into a convenient guide to each country. world of opportunities for retailers. You can By combining the figures from a wide variety of research, we could reach out to dozens of new markets, and provide a holistic view – rather than relying on a single source. find millions of new customers. E-commerce Each country guide looks at key demographics and financials, the top also puts a world of choice in the hands online retailers, legal requirements, and consumer behaviour and expectations when it comes to things like delivery and returns. We of consumers, who think nothing of going also look in detail at how consumers prefer to pay in each market, identifying local payment heroes and the optimal mix of payment abroad to find what they want. They might be methods. looking for a better price, a better selection As well as success factors, it is also important to understand the or better service. Give them what they want, downsides. We take a close look at risks in each country in terms of the and the world is yours. types of fraud that can emerge and what you can do to minimise your exposure. But you need to know what you are getting into. The consumers in your new markets can behave completelydifferently to the ones In addition to the country guides, you can also compare markets in you know from home. -
Automotive QMS Update IATF 16949:2016 September 2016
Automotive QMS Update IATF 16949:2016 September 2016 Automotive QMS Update IATF 16949:2016 Ms. Cherie Reiche International Automotive Oversight Bureau IATF Scheme Management Structure 3 Percent Regional Certificate Distribution Valid Certificates per Region [%] 66.6% Asia Pacific Africa0.8% 2.4% South America 9.7% North America 2.6% 17.9% Middle East Europe Africa Asia Europe Middle North South Pacific East America America 4 Distribution of 66,033 certificates (31 August 2016) Note: only countries with greater than 500 certificates are listed on this slide 5 Oversight CBs & Certificates 31st August 2016 Oversight No. CBs Certificate Percentage Count (%) ANFIA 2 1776 ~2.7 (Italy) IAOB 20 21,494 32.5 (USA) IATF France 3 2022 ~3.0 (France) SMMT 6 13,101 19.8 (England) VDA QMC 13 27,639 ~42.0 (Germany) Total 44 66,033 100 6 Disciplined development method for IATF 16949 • Revision work began in December 2014 and was completed in August 2016 • The team completed a 5-Phase approach to revising ISO/TS 16949 into IATF 16949 – Pre-plan; Analyze; Build; Validate; and Deploy • Revision Work Team consisted of 17 global partners from 14 organizations (IATF OEMs, IATF Global Oversight Offices, and others) AIAG IAOB ANFIA IATF France BMW Jaguar Land Rover FCA US LLC (formerly Chrysler) PSA Group FCA Italy S.p.A. (formerly Fiat) SMMT Ford VDA QMC GM VW 7 Changes from ISO/TS 16949 to IATF 16949 New automotive standard: IATF 16949:2016 • IATF 16949:2016 follows the high level structure of ISO 9001:2015 • IATF 16949:2016 must be used in conjunction with ISO 9001:2015 2 separate documents must be used to have all requirements IATF 16949 cannot be used as a stand-alone requirements document • 282 shalls / 16 shoulds in IATF 16949 (292 shalls / 16 shoulds in ISO/TS 16949) • IATF created a transition plan and communicated April 2016 (further revised in August 2016), which will be discussed in more detail later. -
Douglas Autotech ISO 9001:2015 /IATF 16949 Quality Manual I-4.4-C-AD-P-001
Title: Quality Manual Document No. Date: Page 1 of 69 I-4.4-C-AD-P- ISO 9001:2015 & IATF 16949 5-6-2020 001 Supplement Revision D 7 Douglas Autotech ISO 9001:2015 /IATF 16949 Quality Manual I-4.4-C-AD-P-001 WEB SITE- http://www.douglasautotech.com Revision Date Person Responsible Description of Change B 12-13-2017 Quality Assurance Mgr. Changes of notification to certification body page 6 of 68. C 1-8-2019 Quality Assurance Mgr. Added note (f) to Internal Auditor Comp. to address NSF CAR #2542, added ref. to DACH internal auditor training material to prove competency in the auditor. D 5-6-2020 Quality Assurance Mgr. Updated Org. Chart Title: Quality Manual Document No. Date: Page 2 of 69 I-4.4-C-AD-P- ISO 9001:2015 & IATF 16949 5-6-2020 001 Supplement Revision D Scope, Field of Application and Process Approach 0.1 General Douglas Autotech has adopted the ISO 9001/IATF 16949 Standard as its base quality management system. This documented manual specifies the quality management systems and procedures that we use. The systems requirements of this manual are aimed at achieving customer satisfaction by consistently providing conforming product and meeting customer requirements through application of the system, continual improvement and the prevention of nonconformity. This Quality Manual conforms to the requirements and elements of the five Clauses contained in the base ISO 9001:2015 /IATF 16949 international standard. Douglas Autotech adheres to the policy statements defined for each Clause and sub-clause or element of the aforementioned standard. -
2021 Prime Time for Real-Time Report from ACI Worldwide And
March 2021 Prime Time For Real-Time Contents Welcome 3 Country Insights 8 Foreword by Jeremy Wilmot 3 North America 8 Introduction 3 Asia 12 Methodology 3 Europe 24 Middle East, Africa and South Asia 46 Global Real-Time Pacific 56 Payments Adoption 4 Latin America 60 Thematic Insights 5 Glossary 68 Request to Pay Couples Convenience with the Control that Consumers Demand 5 The Acquiring Outlook 5 The Impact of COVID-19 on Real-Time Payments 6 Payment Networks 6 Consumer Payments Modernization 7 2 Prime Time For Real-Time 2021 Welcome Foreword Spurred by a year of unprecedented disruption, 2020 saw real-time payments grow larger—in terms of both volumes and values—and faster than anyone could have anticipated. Changes to business models and consumer behavior, prompted by the COVID-19 pandemic, have compressed many years’ worth of transformation and digitization into the space of several months. More people and more businesses around the world have access to real-time payments in more forms than ever before. Real-time payments have been truly democratized, several years earlier than previously expected. Central infrastructures were already making swift For consumers, low-value real-time payments mean Regardless of whether real-time schemes are initially progress towards this goal before the pandemic immediate funds availability when sending and conceived to cater to consumer or business needs, intervened, having established and enhanced real- receiving money. For merchants or billers, it can mean the global picture is one in which heavily localized use time rails at record pace. But now, in response to instant confirmation, settlement finality and real-time cases are “the last mile” in the journey to successfully COVID’s unique challenges, the pace has increased information about the payment. -
Security Keys: Practical Cryptographic Second Factors for the Modern Web
Security Keys: Practical Cryptographic Second Factors for the Modern Web Juan Lang, Alexei Czeskis, Dirk Balfanz, Marius Schilder, and Sampath Srinivas Google, Inc., Mountain View, CA, USA Abstract. \Security Keys" are second-factor devices that protect users against phishing and man-in-the-middle attacks. Users carry a single de- vice and can self-register it with any online service that supports the protocol. The devices are simple to implement and deploy, simple to use, privacy preserving, and secure against strong attackers. We have shipped support for Security Keys in the Chrome web browser and in Google's online services. We show that Security Keys lead to both an increased level of security and user satisfaction by analyzing a two year deployment which began within Google and has extended to our consumer-facing web applications. The Security Key design has been standardized by the FIDO Alliance, an organization with more than 250 member companies spanning the industry. Currently, Security Keys have been deployed by Google, Dropbox, and GitHub. An updated and extended tech report is available at https://github.com/google/u2f- ref-code/docs/SecurityKeys_TechReport.pdf. 1 Introduction Recent account takeovers [1{3] have once again highlighted the challenge of securing user data online: accounts are often protected by no more than a weak password [4] and whatever implicit signals (if any) that the online service provider has collected to distinguish legitimate users from account hijackers. Academic research has produced numerous proposals to move away from passwords, but in practice such efforts have largely been unsuccessful [5, 6]. In- stead, many service providers augment password-based authentication with a second factor in the form of a one-time passcode (OTP), e.g., [7, 8]. -
Internationalization Plan for Bizum
Facultad de Ciencias Económicas y Empresariales INTERNATIONALIZATION PLAN FOR BIZUM Autora: Alejandra Ramírez Amorós Director: Javier Morales Mediano MADRID | Abril 2020 INDEX INDEX .......................................................................................................................................... 1 FIGURES INDEX ......................................................................................................................... 4 TABLES INDEX .......................................................................................................................... 4 GRAPHS INDEX .......................................................................................................................... 4 SUMMARY .................................................................................................................................. 5 INTRODUCTION ......................................................................................................................... 6 METHODOLOGY ........................................................................................................................ 7 PART 1: THE STRATEGY OF BUSINESS INTERNATIONALIZATION .............................. 8 A) CURRENT STATE OF AFFAIRS .......................................................................................... 8 1. The payments industry in Spain ............................................................................................ 8 1.1 History of the traditional payments industry ................................................................... -
A Tale of Two Studies: the Best and Worst of Yubikey Usability
A Tale of Two Studies: The Best and Worst of YubiKey Usability †∗ ∗ ∗ ∗ z ∗ Joshua Reynolds , Trevor Smith , Ken Reese , Luke Dickinson , Scott Ruoti , Kent Seamons y ∗ z University of Illinois at Urbana-Champaign, Brigham Young University, MIT Lincoln Laboratory [email protected], ftsmith, ken.reese, [email protected], [email protected], [email protected] Abstract—Two-factor authentication (2FA) significantly device that authenticates the user after the user presses a improves the security of password-based authentication. button on the security key [8]. The button tap is a test of Recently, there has been increased interest in Universal 2nd user presence and prevents malware on the host device from Factor (U2F) security keys—small hardware devices that require users to press a button on the security key to authenticate. To using the security key surreptitiously. Most commonly, security examine the usability of security keys in non-enterprise usage, keys are designed to be plugged into a USB port, though we conducted two user studies of the YubiKey, a popular line they can also communicate with other devices using wireless of U2F security keys. The first study tasked 31 participants protocols (e.g., NFC, Bluetooth). with configuring a Windows, Google, and Facebook account to U2F security keys are designed to be easy-to-adopt and authenticate using a YubiKey. This study revealed problems with setup instructions and workflow including users locking use in day-to-day life, while protecting users against phishing themselves out of their operating system or thinking they had and man-in-the-middle attacks [8]. -
Nets' E-Commerce Report 2020
The E-commerce Report 2020 Chapter name Table of contents Payments The Market Consumers Preferred payments - Austria ............................... 5 The e-commerce market in 2020 ...................... 14 Why do we shop online? ....................................... 19 Preferred payments - Denmark .......................... 6 Turnover 2020 .............................................................. 15 Enter the time machine of e-commerce ...... 20 Preferred payments - Finland ............................... 7 Distribution of spending pr. country ................. 16 Do we shop more online due to Covid-19? ... 21 Preferred payments - Germany .......................... 8 Why do we cancel online purchases? ........... 22 Preferred payments - Norway ............................. 9 Shopping abroad? ...................................................... 23 Preferred payments - Poland ............................. 10 From where do we purchase abroad? ...........24 Preferred payments - Sweden ............................ 11 Why do shoppers purchase from abroad? 25 Preferred payments - Switzerland ................... 12 What stops us shopping from abroad? ........ 26 What 2020’s online consumers showed us 27 Method Nets E-commerce report is a statistical report that provides analyses of the e-commerce market in the Nordic countries, the DACH-region and Poland. The report is based on a survey that was conducted by Kantar/Sifo for Nets from June-December 2020 with 50 interviews/week, with more than 11000 internet users in Austria, Denmark, -
Of Two Minds About Two-Factor: Understanding Everyday FIDO U2F
Of Two Minds about Two-Factor: Understanding Everyday FIDO U2F Usability through Device Comparison and Experience Sampling Stéphane Ciolino, OneSpan Innovation Centre & University College London; Simon Parkin, University College London; Paul Dunphy, OneSpan Innovation Centre https://www.usenix.org/conference/soups2019/presentation/ciolino This paper is included in the Proceedings of the Fifteenth Symposium on Usable Privacy and Security. August 12–13, 2019 • Santa Clara, CA, USA ISBN 978-1-939133-05-2 Open access to the Proceedings of the Fifteenth Symposium on Usable Privacy and Security is sponsored by USENIX. Of Two Minds about Two-Factor: Understanding Everyday FIDO U2F Usability through Device Comparison and Experience Sampling Stéphane Ciolino Simon Parkin Paul Dunphy OneSpan Innovation Centre University College London OneSpan Innovation Centre & University College London [email protected] [email protected] [email protected] Abstract words and tokens) is widely recognized as an effective tech- Security keys are phishing-resistant two-factor authentica- nique to protect both corporate and personal online accounts tion (2FA) tokens based upon the FIDO Universal 2nd Factor against account hijacking threats. Indeed, there are already ex- (U2F) standard. Prior research on security keys has revealed amples of citizens being advised to use Two-Factor Authenti- intuitive usability concerns, but there are open challenges to cation (2FA) by government agencies (as in the UK [35]). The better understand user experiences with heterogeneous de- most common second factor is a One-Time Passcode (OTP) vices and to determine an optimal user experience for every- received via a text message to a mobile device [5]. -
The Determinants of Paytech's Success in the Mobile Payment
Journal of Risk and Financial Management Article The Determinants of PayTech’s Success in the Mobile Payment Market—The Case of BLIK Joanna Błach 1,* and Monika Klimontowicz 2 1 Department of Corporate Finance and Insurance, Faculty of Finance, University of Economics in Katowice, ul. 1 Maja 50, 40-287 Katowice, Poland 2 Department of Banking and Financial Markets, Faculty of Finance, University of Economics in Katowice, ul. 1 Maja 50, 40-287 Katowice, Poland; [email protected] * Correspondence: [email protected] Abstract: FinTech and its interaction with banking is widely discussed today as a new phenomenon notwithstanding the relationship between technology and financial services is not a new topic. Most of the research focuses on innovations and determinants of their adoptions including among other innovations in the payment system. The studies dedicated directly to PayTechs as a special kind of a FinTech entity and its market activity are a relatively new field of research. This paper aims to fill this gap. The multidimensional character of this exploratory research causes the necessity to apply various research methods, including both inductive and deductive methods, together with comparative analysis. The theoretical analysis conducted in the paper for defining PayTechs from the perspective of business model and market behavior was based on an in-depth literature review. In this section, the inductive method and comparative analysis were mostly applied. The empirical part of the paper includes the analysis of quantitative data published by the National Bank of Poland (NBP), Central Statistical Office (GUS), and Bank for International Settlements (BIS).