Axis Bank Partners with Diners Club International to Offer Forex Card
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Biometric Cardholder Authentication Pioneering the Way with Security Why Digital Ids Won't Replace Physical Identity Cards
The Offi cial Publication of the International Card Manufacturers Association August 2021 Volume 31 • No. 4 Biometric Cardholder Authentication Pioneering the Way with Security Why Digital IDs Won’t Replace Physical Identity Cards Any Time Soon Selecting the Right Ink Technology for ID Card Printing Bringing Security to Contactless Biometric Payment Cards founder /executive director is published by CMA for ICMA. Please Enter the 2021 Élan Awards of Excellence! submit all articles, news releases and advertising to: | By Jeffrey E. Barnhart CARD MANUFACTURING™ C/O: CMA With hundreds of entries from around the globe each year, the Élan 191 Clarksville Road Awards of Excellence celebrate the world’s most impressive cards and Princeton Junction, New Jersey 08550 USA card technologies. The competition, which was designed to drive innovation within the card industry, recognizes Founder/Executive Director winners in three categories—card manufacturing, personalization & fulfillment and card Jeffrey E. Barnhart [email protected] suppliers. Judging is based on a quantifi able scoring system with criteria in nine categories. Winners will be announced during a special ceremony at the 2021 ICMA Card Manufacturing Operations and Member Experience Manager and Personalization EXPO from November 7-10 in Orlando, Florida. Michael Canino [email protected] Open to ICMA members only, entries for the 2021 Élan Awards of Excellence are due by Association Manager September 1. The competition honors world-class achievements in the following categories: Lynn McCullough [email protected] Secure Payments Cards; Loyalty, Promotional and Gift Cards; ID and Access Control Cards; Personalization & Fulfillment Product, Service or Project; Unique Innovation and Best Managing Editor Jennifer Kohlhepp Supplier/Vendor New Product, Service or Innovation. -
Card Processing Guide Merchant Operating Instructions
Card Processing Guide Merchant Operating Instructions © 2019 GPUK LLP. All Rights Reserved. CONTENTS SECTION PAGE Welcome 1 Global Payments 1 About This Document 1 An Introduction To Card Processing 3 The Anatomy Of A Card Payment 3 Transaction Types 4 Risk Awareness 4 Card Present (CP) Transactions 9 Cardholder Verified By PIN 9 Cardholder Verified By Signature 9 Cardholder Verified By PIN And Signature 9 Contactless Card Payments 10 Checking Cards 10 Examples Of Card Logos 13 Examples Of Cards And Card Features 14 Accepting Cards Using An Electronic Terminal 18 Authorisation 19 ‘Code 10’ Calls 24 Account Verification/Status Checks 25 Recovered Cards 25 Refunds 26 How To Submit Your Electronic Terminal Transactions 28 Using Fallback Paper Vouchers 29 Card Not Present (CNP) Transactions 32 Accepting Mail And Telephone Orders 32 Accepting Internet Orders 33 Authorisation Of CNP Transactions 35 Confirming CNP Orders 37 Delivering Goods 37 Collection Of Goods 38 Special Transaction Types 39 Bureau de Change 39 Dynamic Currency Conversion (DCC) 40 Foreign Currency Transactions 40 Gratuities 41 Hotel And Car Rental Transactions 41 Prepayments/Deposits/Instalments 43 Purchase With Cashback 43 Recurring Transactions 44 Card Processing Guide © 2019 GPUK LLP. All Rights Reserved. SECTION PAGE Global Iris 47 HomeCurrencyPay 49 An Introduction To HomeCurrencyPay 49 Card Present (CP) HomeCurrencyPay Transactions 50 Mail Order And Telephone Order (MOTO) HomeCurrencyPay Transactions 52 Ecommerce HomeCurrencyPay Transactions 55 Mastercard And Visa Regulations -
Worldline + Discover Global Network
WL Online Payment Acceptance attract high-spending customers from around the world with Discover Global Network Accepting cards running on Discover® Global Network will provide you the opportunity to grow your online business by attracting aluent, international shoppers with high spending power to increase valuable crossborder sales. Discover Global Network is the third largest payment network in the world with over 70 million cardholders from around the globe. Access multiple cards through Discover Global Network one powerful network quick facts By accepting cards that run on Discover Global Network, it enables • 3rd largest payments network in the world you to tap into billions in international spending from multiple cards, including Discover card, Diners Club International, and • 70M+ cardholders around the globe Alliance Partners from around the globe. • 41M+ merchant locations in 185 Discover Global Network countries/territories • Discover 1 in every 4 households in the U.S. have a Discover card. • Diners Club International an exclusive payment card for aluent customers with cards issued in over 55 countries. There are millions of card members ranging from aluent personal cardholers to corporate account holders. Alliance Partners • BC Global Card South Korea’s largest payments network with 83% crossborder transactions online. • Elo Brazil’s largest network with 38% of Brazilian consumers purchasing goods online from foreign stores. an atos company Grow your cross-border sales with our partnership As a global acquirer, Worldline can help your business facilitate acceptance of valuable cross-border business through Discover Global Network. With our partnership, a single contract enables you to tap into the network’s aluent and loyal spenders. -
2020 Annual Report Discover Card • $71 Billion in Loans a Leading • Leading Cash Rewards Program
2020 Annual Report Discover Card • $71 billion in loans A Leading • Leading cash rewards program Student Loans Digital Bank • $10 billion in student loans and Payments • Offered at more than 2,400 colleges Personal Loans • $7 billion in loans • Debt consolidation and major purchases Partner Home Loans • $2 billion in mortgages Discover is one of the largest digital banks in the United • Cash-out refinance and home loans States, offering a broad array of products, including credit cards, personal loans, student loans, deposit products Deposit Products and home loans. • $63 billion in direct-to-consumer deposits • Money market accounts, certificates The Discover brand is known for rewards, service and of deposit, savings accounts and checking value. Across all digital banking products, Discover seeks accounts to help customers meet their financial needs and achieve brighter financial futures. Discover Network Discover Global Network, the global payments brand of • $181 billion volume Discover Financial Services, strives to be the most flexible • 20+ network alliances and innovative payments partner in the United States and around the world. Our Network Partners business provides payment transaction processing and settlement services PULSE Debit Network on the Discover Network. PULSE is one of the nation’s • $212 billion volume leading ATM/debit networks, and Diners Club International is a global payments network with acceptance around Diners Club International the world. • $24 billion volume To my fellow shareholders, A year has passed since our world changed virtually overnight as we faced the greatest public health crisis in a century and the resulting economic contraction. We remain grateful to those on the front lines of this battle, including healthcare and emergency workers, and everyone who has taken personal risk to make sure the essential services of our society keep running. -
Marketplace User Guide
U.Commerce® Central User's Guide September 2021 This document contains confidential information and may not be duplicated or disclosed to third parties, in whole or in part, for any purpose, without the prior express written consent of TouchNet Information Systems, Inc. This document contains confidential information and may not be duplicated or disclosed to third parties, in whole or in part, for any purpose, without the prior express written consent of TouchNet Information Systems, Inc. Information represented in this document is subject to development and change without notice. Copyright 2021 TouchNet Information Systems, Inc. All rights reserved. TouchNet® and the TouchNet logo are registered trademarks of TouchNet Information Systems, Inc. Other trademarks within this document are the property of their respective owners. Other product or company names may be trademarks of their respective owners. Document release date: September 13, 2021 i Contents About This Guide 1 1.0 Introduction to U.Commerce Central 3 1.1 U.Commerce Mobile 3 2.0 What's New in U.Commerce Central 5 3.0 Getting Started 7 3.1 About Multi-Factor Authentication 7 3.2 Setting Up Your MFA Account 8 3.3 Logging into U.Commerce Central Using MFA 13 3.4 Forgot Password 16 4.0 The U.Commerce Central Welcome Page 21 5.0 Editing My Profile 25 5.1 Editing the User Profile 25 5.2 Changing Your User Password 27 6.0 Viewing the U.Commerce Help 29 7.0 Administration 33 8.0 User Management 35 8.1 Creating a New User 35 8.2 Assigning User Roles and Permissions 36 8.3 Searching -
Card Fraud Worldwide Unionpay, Visa, Mastercard, JCB, American Express, Diners Glo Al Loss S N B L
FOR 46 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE OCTOBER 2016 / ISSUE 1096 Top Card Issuers in Asia–Pacific See charts on pages 10 and 11 for the 50 largest issuers of Card Fraud Worldwide UnionPay, Visa, Mastercard, JCB, American Express, Diners Global Losses in $Bil. 20102020 Club, and Maestro general purpose credit, debit, and prepaid consumer and commercial cards as well as domestic general with Cents per $100 of Total Volume > see p. 9 $32.82 $31.67 Real-Time Payments in the U.S. $31.26 $27.69 The Clearing House Payments Company signed a contract $24.71 $21.84 in December 2015 for software from U.K.-based VocaLink needed to create a new interbank payment system that will give $18.11 consumers and businesses the ability to send and receive payments $13.70 $11.27 > see p. 9 $9.84 $7.60 Personetics Adds Chatbot Commerce Services Digital customer service technology from Personetics, first 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 deployed three years ago, helps payment card issuers cut costs through predictive models that anticipate a cardholder’s question 7.2¢ 7.2¢ 7.3¢ 7.0¢ 6.9¢ or problem when they make initial contact in an online session. 6.5¢ 6.2¢ > see p. 5 5.2¢ 5.5¢ Credit Card Portfolio Sales 5.1¢ 4.5¢ Capital One, the 4th largest Visa/Mastercard credit card issuer in the United States, will buy the outstanding credit card receivables of Cabela’s, the 14th largest U.S. issuer. The contract includes © 2016 The Nilson Report a 10-year deal for Capital One to issue co-branded credit cards > see p. -
Rupay: the Emergence of an Indian Card Giant (A Marketing Perspective)
International Journal of Scientific and Research Publications, Volume 9, Issue 2, February 2019 525 ISSN 2250-3153 RuPay: The Emergence of an Indian Card Giant (A Marketing Perspective) Siddharth, Vijayraj, Subham Dash, Varun Chadha, Varun D. Nankani Christ (Deemed to be University) - Bannerghatta Campus Bangalore, India 2019 DOI: 10.29322/IJSRP.9.02.2019.p8667 http://dx.doi.org/10.29322/IJSRP.9.02.2019.p8667 Abstract- There have been turbulent changes in the banking sector gain an international scheme. As of July 2018, these cards were of the world which lead to capitalisation of various untapped issued to savings and current bank account holders across 1100 opportunities. One such opportunity was interbank transfers using banks including cooperative banks and Regional Rural banks. It ATM cards. VISA and MasterCard were the ones that decided to has 65% of the Indian market share and is accepted at all the capitalise on this opportunity and became the biggest payment ATMs, e-commerce portals and Pos terminals. networks of the world. RuPay is India’s very own card scheme to promote debit and It has various advantages leading to its mass acceptability. credit card transactions, which was launched in 2012, by National • The occurrence and settlement of transactions happen Payment Corporation of India (NPCI). The cost of the transaction domestically, the cost is lower and thus is affordable. in India was high in spite of the fact that in India 90% of the credit • As it is domestic in nature, it is aiming at customized transactions and almost all debit transactions are domestic. -
Debit (Check) Card Application Form
Debit Card Application Form * In accordance with the Act on the Reporting and Utilization of Specific Financial Transaction Information, the client information data is collected for customer identification, and if it is not provided or verified, the financial transaction will be rejected or suspended. * Applications received will not be returned, and if the membership registration is not completed, documents will be safely eliminated. * In case you own more than two cards your credit rating and credit limit may be affected. Excessive use of credit cards can become a threat to the stability of household economy. Mandatory The fields in green are mandatory. fields Name Name Temporary 080-899-1100 Completing the following in Korean in English ID No. * Create temporary ID No. in order to prevent the excessive corresponds to conclusion * As in passport exposure of resident registration No. of an agreement on card product and services. Home Telephone Address Number Payment Smartphone app SMS SMS - - Alert Mobile * Mobile phone no. is needed to join Hana Members or to receive * Free of charge * 300 KRW/month * Free of charge: only covers transactions 50,000 KRW SMS Notification service Phone Settlement Number 1st 7th 13th 17th 21st 23rd Others( ) SKT KT LG U+ Date Settlement Hana Bank Others ( ) Account No. ( ) Account * The notification of direct debit account will be applied to all credit cards Billing kakao app Text Mobile app E-mail None Office Home E-mail Method + E-mail message + E-mail Address * Mandatory if the billing method is e-mail or mobile app. Optional fields Please provide work information for billing statement mailing to work address. -
Credit Card 101
Credit Card 101 Jump Start Program First Data Learning Organization Confidential & Proprietary to First Data Corporation Developer: 10 Rev 03/03/2011 V2.0 Agenda – Card Brands – Card Types – The PiProcessing Flow – Selling Merchant Processing – Knowledge Check Confidential & Proprietary to First Data Corporation. 2 Credit Card’s 5 Major Brands • Visa Credit Cards ‐ credit cards issued by Financial Institutions that are members of Visa, cards carry the Visa Logo on the front of the card. • Master CdCard Cre dit CCdards ‐ cards idissued by Financ ia l IiiInstitutions that are members of MasterCard, cards carry the MasterCard logo on the front of the card. • American Express Credit Cards ‐ cards issued by American Express Financial Services, or their partner Financial Institutions, cards carry the American Express logo on the front of the card. • Discover Credit Cards ‐ cards issued by Discover Financial Services, or their partner Financial Institutions, cards carry the Discover or Novus logo on the front of the card. • JCB Credit Cards (Japanese Credit Bureau) ‐ cards issued by Financial Institutions (usually foreign Financial Institutions), cards carry the JCB logo on the front of the card. The common characteristic associated with each type of credit products: • Each credit instrument used to make the purchase/payment is associated with a line of credit that must be repaid to the issuing financial institution. Funds are not pulled out of a Bank or Government funded account. Confidential & Proprietary to First Data Corporation. 3 What Do They Mean By Card Typ e? Type of Card – Type refers to the card presentdted by the consumer at the time of purchase. -
DEBIT CARD BUSINESS REGULATIONS I. General Provisions
DEBIT CARD BUSINESS REGULATIONS I. General provisions Effective from: 1 March 2021 (amendments in the text are printed in italics) OTP Bank Plc. Activity licence number: Resolution No. 983/1997/F of the Supervisory Authority for Hungarian Money and Capital Markets (27 November 1997) Registered by the Court of Registration of the Metropolitan Court of Justice under No. 01-10-041585 Registered office: H-1051 Budapest, Nádor utca 16, Hungary Website: https://www.otpbank.hu 1 TABLE OF CONTENTS I. DEFINITIONS ....................................................................................................................................... 4 II. PROVISIONS RELATED TO THE CONTRACT ................................................................................ 9 II.1 Unilateral contract amendment ...................................................................................................... 9 II.2 Automatic change in fees and costs ........................................................................................... 11 III. MISCELLANEOUS PROVISIONS ................................................................................................... 11 III.1 Supply of information, cooperation ............................................................................................ 11 III.2 Bankcard HelpDesk ...................................................................................................................... 13 III.3 Liability ......................................................................................................................................... -
Card Processing Guide - MOI 2015.Qxp GP 07/09/2015 17:45 Page 1
JM3150_Card Processing Guide - MOI 2015.qxp_GP 07/09/2015 17:45 Page 1 CARD PROCESSING GUIDE MERCHANT OPERATING INSTRUCTIONS SERVICE. DRIVEN. COMMERCE JM3150_Card Processing Guide - MOI 2015.qxp_GP 07/09/2015 17:45 Page 2 CONTENTS SECTION PAGE Welcome 1 Global Payments 1 About This Document 1 An Introduction To Card Processing 3 The Anatomy Of A Card Payment 3 Transaction Types 4 Risk Awareness 4 Card Present (CP) Transactions 9 Cardholder Verified By PIN 9 Cardholder Verified By Signature 9 Cardholder Verified By PIN And Signature 9 Contactless Card Payments 10 Checking Cards 10 Examples Of Card Logos 13 Examples Of Cards And Card Features 14 Accepting Cards Using An Electronic Terminal 18 Authorisation 19 ‘Code 10’ Calls 24 Account Verification/Status Checks 25 Recovered Cards 26 Refunds 27 How To Submit Your Electronic Terminal Transactions 29 Using Fallback Paper Vouchers 30 Card Not Present (CNP) Transactions 33 Accepting Mail And Telephone Orders 33 Accepting Internet Orders 34 Authorisation Of CNP Transactions 36 Confirming CNP Orders 38 Delivering Goods 39 Collection Of Goods 39 Special Transaction Types 40 Bureau de Change 40 Dynamic Currency Conversion (DCC) 41 Foreign Currency Transactions 41 Gratuities 42 Hotel And Car Rental Transactions 42 Prepayments/Deposits/Instalments 44 Purchase With Cashback 44 Recurring Transactions 45 Global Iris 48 HomeCurrencyPay 50 An Introduction To HomeCurrencyPay 50 JM3150_Card Processing Guide - MOI 2015.qxp_GP 07/09/2015 17:45 Page 3 SECTION PAGE Card Present (CP) HomeCurrencyPay Transactions -
PAYMENT SYSTEMS in KOREA 13 (Domestic Currency Funds Transfer Service)
1. Large-Value Payment System 1.1 Outline The BOK has been running BOK-Wire as the only RTGS system for large-value funds since December 1994. It guarantees settlement finality for individual funds transfer requests by adopting the method of real-time gross settlement (RTGS). In other words, once a settlement is cleared, it is irrevocable and unconditional so that settlement risks are entirely eliminated. BOK-Wire plays a pivotal role in the payment system in Korea because it also provides finality of settlement regarding interbank credits and receipts within the retail payment systems run by KFTC. It is also linked with the DvP (Delivery versus Payment) and PvP Systems to reduce settlement risks in securities and foreign exchange transactions. 1.2 Functions Services provided through BOK-Wire can be categorized into funds settlement business and other business. The former includes domestic currency funds transfers, foreign currency funds transfers, and government and public bonds issuance and redemption, and the latter includes the Bank of Korea loans and the transmission of information concerning Treasury payments. PAYMENT SYSTEMS IN KOREA 13 (Domestic Currency Funds Transfer Service) The Domestic Currency Funds Transfer Service carries out general funds transfers for transactions between financial institutions, call transaction settlement to process automatically the principal and interest arising from direct or brokered transactions, and recipient-specific funds transfers that allow an individual or a business to make a large- value funds transfer as a third party through a participant bank. It also deals with DvP transactions and net settlements for retail payment systems. The General Settlement of Domestic Currency Funds Transfer Service executes the transfer of funds between participant institutions and their head office and local branches across current accounts held with the Payment Systems & Treasury Service Department of the BOK or its regional headquarters.