American Express Company
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Welcome Aboard Rewards & Privileges Dining Entertainment Tra ve l Pleasures Services Forms Terms & Conditions Welcome to the Platinum Credit Card membership Every day is a new adventure with the American Express® Platinum Credit Card. So start using your Card and embark on an exciting journey of dining, entertainment and movie privileges, relaxing getaways, amazing rewards and much more. The Card is welcomed all over town - from booking your annual vacation to picking up your daily groceries. You can even apply for two complimentary Supplementary Cards and share the Platinum privileges with your loved ones. While you are online, why not take advantage of our online services which give you fast‚ ultra-safe access to your Card account anywhere, anytime. You can check your Membership Rewards points balance, offset your purchase with points, redeem for your rewards, and view your atestl transactions. After registration, you might also enroll into paperless for your statements. Switching to online statements is an easy way to cut down on paper usage and help save the environment. Enroll for paper-free online statements. Don’t miss the latest updates on our official Facebook page. Follow us. Ready to start playing? Page 2 of 13 Welcome Aboard Rewards & Privileges Dining Entertainment Tra ve l Pleasures Services Forms Terms & Conditions Rewards & Privileges American Express Platinum Credit Card Redeem Air Miles, Room Nights Membership Rewards® Program You may use your points to redeem for free flights, airline upgrade As an American Express Platinum Credit Cardmember, you are and companion tickets with airlines. Or treat yourself to luxurious automatically enrolled in this Program for free. -
Laser-Marked Document Showing a Colour-Shift Effect
(19) & (11) EP 2 174 797 A1 (12) EUROPEAN PATENT APPLICATION (43) Date of publication: (51) Int Cl.: 14.04.2010 Bulletin 2010/15 B42D 15/00 (2006.01) B42D 15/10 (2006.01) B41M 5/24 (2006.01) B41M 3/14 (2006.01) (21) Application number: 08017527.6 (22) Date of filing: 07.10.2008 (84) Designated Contracting States: • Klein, Sylke AT BE BG CH CY CZ DE DK EE ES FI FR GB GR 64380 Rossdorf (DE) HR HU IE IS IT LI LT LU LV MC MT NL NO PL PT • Montag, Heidemarie RO SE SI SK TR 64289 Darmstadt (DE) Designated Extension States: AL BA MK RS (74) Representative: Luderschmidt, Schüler & Partner Patentanwälte (71) Applicant: European Central Bank John-F.-Kennedy-Strasse 4 60311 Frankfurt am Main (DE) 65189 Wiesbaden (DE) (72) Inventors: • Arrieta, Antonio Jesús 60311 Frankfurt am Main (DE) (54) Laser-marked document showing a colour-shift effect (57) Document comprising a coating containing at the coated area with a pulsed laser beam at a rate of least one sort of effect pigments, wherein said document greater than 500 mm/s and a laser mark having a colour also comprises at least one laser mark having a high shift effect is obtained. contrast and a strong colour shift effect The authenticity of the document can be easily Said document is obtainable by a process, wherein, checked by visual inspection from different viewing an- a document comprising a coating containing at least one gles. sort of effectpigments which show differentcolours under different viewing angles is treated on at least a part of EP 2 174 797 A1 Printed by Jouve, 75001 PARIS (FR) EP 2 174 797 A1 Description BACKGROUND OF THE INVENTION 5 1. -
Bitcoin: a Seemingly Rampant Elevator, Or Is Someone Pushing Its Buttons?
Södertörn University | Institution for Social Sciences Bachelor Thesis (15 hp) | Business Studies - Finance | Spring Semester 2014 Bitcoin: A Seemingly Rampant Elevator, or is Someone Pushing its Buttons? - A Case Study on Bitcoin’s Fluctuations in Price and Concept. Author: Oscar Wandery Supervisor: Maria Smolander Stockholm Södertörn University Business Studies Abstract This study looks at the price mechanism of the digital quasi-currency bitcoin. Through statistical analysis of secondary data a probable significant results regarding correlation and regression between price and different independent variables have been established. The final analysis is pointing towards network effects being a part of the determinants for the crypto-currency’s price. Complimentary to the quantitative study explained above, an implementation of hermeneutic analysis based on secondary theoretical sources, journalistic opinion and a professional qualified judgment has aided the author and study in conceptual understanding. This interpretation has semantic character, and takes a Socratic kickoff regarding the nature of bitcoin as a financial instrument. The analysis runs back and forth throughout the course of the study and finally intertwines with qualitative results in the discussion. It is the author’s impression that a significant dimorphism surrounds bitcoin, calling for a conceptual differentiation leading to practical rethinking. The study takes the shape of a case-study conducted over four months. The author’s location during the process of writing was Stockholm Sweden, but the gathered data is of transnational character. Keywords: Bitcoin, crypto-currency, money, digital money, price fluctuations, financial instruments, financial systems. 2 Stockholm Södertörn University Business Studies Sammanfattning Den här studien tittar på prismekanismen hos den digitala kvasi-valören bitcoin. -
AUTOMATED TELLER MACHINE (Athl) NETWORK EVOLUTION in AMERICAN RETAIL BANKING: WHAT DRIVES IT?
AUTOMATED TELLER MACHINE (AThl) NETWORK EVOLUTION IN AMERICAN RETAIL BANKING: WHAT DRIVES IT? Robert J. Kauffiiian Leollard N.Stern School of Busivless New 'r'osk Universit,y Re\\. %sk, Net.\' York 10003 Mary Beth Tlieisen J,eorr;~rd n'. Stcr~iSchool of B~~sincss New \'orl; University New York, NY 10006 C'e~~terfor Rcseai.clt 011 Irlfor~i~ntion Systclns lnfoornlation Systen~sI)epar%ment 1,eojrarcl K.Stelm Sclrool of' Busir~ess New York ITuiversity Working Paper Series STERN IS-91-2 Center for Digital Economy Research Stem School of Business Working Paper IS-91-02 Center for Digital Economy Research Stem School of Business IVorking Paper IS-91-02 AUTOMATED TELLER MACHINE (ATM) NETWORK EVOLUTION IN AMERICAN RETAIL BANKING: WHAT DRIVES IT? ABSTRACT The organization of automated teller machine (ATM) and electronic banking services in the United States has undergone significant structural changes in the past two or three years that raise questions about the long term prospects for the retail banking industry, the nature of network competition, ATM service pricing, and what role ATMs will play in the development of an interstate banking system. In this paper we investigate ways that banks use ATM services and membership in ATM networks as strategic marketing tools. We also examine how the changes in the size, number, and ownership of ATM networks (from banks or groups of banks to independent operators) have impacted the structure of ATM deployment in the retail banking industry. Finally, we consider how movement toward market saturation is changing how the public values electronic banking services, and what this means for bankers. -
Agreement Between Corporate Card Member and American Express
Agreement Between FDR# 1122575 Corporate Card Member and American Express Travel Related Services Company, Inc. Welcome to American Express® Corporate Card Membership conversion spread. Charges converted by seller(s) of goods and Read this Agreement thoroughly before you sign or use the enclosed services (such as airlines) will be billed at the rates such sellers use. American Express® Corporate Card. By signing, using or accepting the Corporate Card, you will be agreeing with us to everything 6) Liability written here. Your use of the Corporate Card will be governed by Your Corporate Card account is issued to you by us for the benefit this Agreement. If you do not wish to be bound by this Agreement, of the Company. If we opened your Corporate Card account on the cut the Corporate Card in half and return the pieces to us. If you do basis of “Full Corporate Liability”, then the Company is fully liable sign the Corporate Card, you should not use it before the valid date to us for all Charges incurred on your Corporate Card account. If or after the expiration date printed on the face of the Corporate we opened your Corporate Card account on the basis of “Combined Card. Liability”, then you, as the Corporate Card Member, and the Company are jointly and severally liable to us for all Charges billed 1) Definitions to your Corporate Card account, except that the Company shall not As you read this Agreement, remember that the words “you”, be liable for Charges you incur that are personal in nature or not for “your” or “Corporate Card Member” mean the person named on business purposes. -
American Express 4Th Member February 2009
EMVCO WELCOMES AMERICAN EXPRESS AS ITS FOURTH OWNER-MEMBER 03 February 2009 – EMVCo, the EMV standards body jointly owned by JCB International, MasterCard Worldwide and Visa Inc., today announced American Express as its fourth owner-member. The addition of this latest international payment organisation aligns with EMVCo’s intent to attract further industry participation in the development of the EMV Specifications. As an established supporter and end-user of EMV technology, American Express has acquired a one-fourth share of EMVCo from the respective holdings of JCB International, MasterCard Worldwide and Visa Inc., and will therefore have an equal interest in the organisation. EMVCo’s management structure has been changed to give American Express representation on the organisation’s Executive Committee and Board of Managers, in addition to equal participation in its working groups. “EMVCo welcomes American Express as its fourth global payment system member,” said Tad Fordyce, Chairman of the EMVCo Executive Committee and Head of Global Cross Product Platforms at Visa Inc. “American Express will be able to lend expertise at both the technical and management level which will directly support the EMVCo goal to enhance global chip standards, and offer secure and interoperable payments at the point of sale around the world.” Susan Hillel, Senior Vice President of Global Network Operations at American Express, says: “American Express is delighted to join and become a member of EMVCo. We are committed to driving interoperability in payments and know that our participation in EMVCo will facilitate this for our merchant, issuer and card member customers. Involvement by the four major payment organisations will drive secure and interoperable payments globally for transactions made with chip cards by aligning and progressing EMV Specifications. -
Credit Cards American Express Company 24-Hour Number: (800) 528-2121 (U.S
Credit Cards American Express Company 24-Hour Number: (800) 528-2121 (U.S. and Canada) American Express Cards include: Personal Green (pictured), Gold, Platinum, Corporate Green (pic - tured), Corporate Gold, Corporate Platinum, Corpo - rate Optima, Optima, Optima Gold, Purchasing Card, American Express Blue (pictured), Green and Gold Rewards, and more. American Express also issues co-branded cards, including Hilton, Delta SkyMiles (pictured), ITT Sheraton Club Miles, and more. American Express issues multiple styles of prepaid cards. Gift Cards (4 are pictured) can be variable load or pre-denominated ranging from $25 to $3,000. Gift Cards are not reloadable and can be personalized or issued anonymously. Reloadable prepaid cards are also available in various styles and offer different functionality. Serve and Bluebird prepaid cards are multifunction cards with many new features such as bill pay, check writing, and funds transfer. All prepaid cards have the word “PREPAID” printed on either the front or back of the card. Account numbers are 15 digits, begin with 37 or 34, and are sequenced 4-6-5. UV light reveals large “AMEX” and phosphorescence on the face of each card, excluding the Gift Card. The Centurion or the American Express Blue Box appears on most Amer - ican Express cards. To establish the validity of a card, or determine its status, please call (866) 375-3684. 98 Credit Cards Diners Club International ® 2500 Lake Cook Rd. Riverwoods, IL 60015 Security Contacts: Law Enforcement Phone Line: 1-800-347-3083 for law enforcement officers Merchant Code 10 Authorization: 1-800-347-1111 for suspicious transactions Diners Club ® account numbers start with 36 or 55. -
Credit Sales
Section 8.0 Credit Sales General Information ARC participating carrier. Introduction For the purpose of this section, the term "credit card company" collectively refers to bankcards, T&E Cards, UATP Cards, and As an alternative to accepting cash, most ARC participating “airline” cards. carriers will accept credit cards as payment for air transportation and related services. The terms and conditions of credit card Credit Card Designator acceptance are governed by individual agreements between credit card companies and carriers. Form of Payment Entries As stated in Section 5.2, "If payment is by credit card, enter or To conduct a credit card transaction on behalf of an ARC imprint (in the “Form of Payment” box on the ticket) the two- participating carrier, travel agents are required to do the letter alpha credit card designator and the complete credit card following: number (to preclude cash refunding of the ticket)." • Comply with the general instructions contained in this Generally Accepted Credit Cards section (Section 8.0). To assist agents in complying with the above, the following is a • Determine whether or not the carrier accepts the credit listing of generally accepted credit cards and their respective card presented by the client; and, if it does, under what two letter alpha credit card designator: conditions (Section 8.4). AX American Express • Obtain an authorization, a.k.a. approval code, from the CA MasterCard/Diners Club International credit card company (Section 8.2). CB Carte Blanche DC Diners Club • Follow the credit card acceptance procedures shown in the DS Discover Network ARC Credit Card Chargeback Policy (Section 8.4). -
Effectively Managing Employees to Get Results in a Diverse Workplace Such As American Express
Journal of Business Studies Quarterly 2015, Volume 7, Number 1 ISSN 2152-1034 Effectively Managing Employees to Get Results in a Diverse Workplace such as American Express Valerie Alexander, Colleen Havercome, and Bahaudin G. Mujtaba Nova Southeastern University Abstract Diversity in the modern workplace is not just a reality, but it is also necessary for competitive advantage. The purpose of this paper is to explore the concept of diversity in an organization and to outline the overall benefits of effectively managing employees to get results in a diverse workplace at American Express Corporation. This paper will elaborate on managing diverse strategies, managerial theories, structures and strategies, the consequences of ignoring diversity, diversity training, and recommendations. Keywords: Workplace Diversity, Managing Diversity, Management Theories, Management Practices, Employees. Introduction In today’s global environment, the workplace is a diverse melting pot of different cultures where one must learn to accept, understand and celebrate the differences of other people values, age, religious beliefs, gender, ethnicity, sexual orientation, educational background, and physical abilities. The subject of diversity requires one to examine one’s own beliefs and values and to learn the skills of dealing with those whose beliefs and values which are different from our own. The subject of diversity can be overwhelming, emotional and powerful for most who deals with it directly or indirectly (Mujtaba, 2010). Diversity issues in the workplace are now considered crucial and are likely to increase due to cultural differences. Therefore, organizations need to focus on diversity and to look for ways in which to become more flexible and work together in an inclusive environment. -
Curve - Let’S Get Started
WELCOME TO CURVE - LET’S GET STARTED Nobody wakes up thinking: “I’m looking forward to doing my expenses today”. It’s a boring, time-consuming job for everyone involved; hours wasted every month on data entry, chasing receipts and invoices, and manual reconciliation admin. Wouldn’t it be great if the job was a little smarter? With Curve, you can spend from any of your accounts using just one card, connected straight to Xero. Submit expenses automatically as you pay. Store receipts safely in the cloud. Track budgets on the go. This is expensing as it should be: effortless. Rated excellent on LIFE WITH CURVE + XERO No expense headaches Easier bookkeeping Smarter cashflow Curve: the card built with small businesses, freelancers, and entrepreneurs in mind. WHAT IS CURVE? With Curve, you can spend from anywhere from any of your bank accounts using just one smart Curve card, connected to an even smarter app. Curve works just like a normal bank card, and can be used anywhere in the world that accepts Mastercard. In addition, Curve cardholders collect Curve Rewards points whenever they spend at over 45 leading UK retailers, cut out foreign exchange fees on business trips, and can track their purchase history any time straight from the app. CONNECTING TO XERO WITH CURVE After getting set up with your You can find Xero inside the Tap “Connect to Xero” to new Curve card, securely Curve Connect tab. begin. add your existing debit and credit cards to the app. Log-in to your Xero account. Choose your company’s Get to know the basics. -
The American Express® Card Fees
The American Express® Card fees All fees include VAT at 15% and are effective from 1 January 2020. Annual service fees1 Corporate Gold Corporate Green Business Travel Corporate Card Card Account Card Purchasing Card One primary card R825,00 R530,00 R740,00 R425,00 Two to 25 cards (per card) R730,00 R425,00 R475,00 R425,00 26+ cards (per card) R580,00 R310,00 R160,00 R425,00 100+ cards (per card) R580,00 R310,00 R160,00 R250,00 Once-off initiation fee R825,00 R530,00 R740,00 R425,00 Linked PTC R580,00 R580,00 n/a n/a Membership Rewards® enrolment and linkage R288,00 R288,00 n/a n/a Membership Rewards® enrolment and linkage R500,00 R500,00 n/a n/a accrued to the company*** TRANSACTION FEE AMOUNT TRANSACTION FEE AMOUNT PURCHASES BALANCE ENQUIRIES Credit card transaction fee Free Nedbank ATM and SSD 2 Free Another bank’s ATM 2 R8,00 VALUE-ADDED SERVICES Over the counter R8,00 Credit facility fee*1 Free Nedbank Online Banking Free Transactional SMS notification Free Online reporting and data services 6 Pricing dependent on solution STATEMENT ENQUIRIES Historical-statement request ** Free Nedbank ATM Free Nedbank SST Free DEPOSITS Emailed/Posted statement Free Cash (over the counter and at R75,00 plus R2,00 per R100,00 Nedbank ATM) OTHER FEES Cheque (over the counter and at R65,00 Dishonoured payment R150,00 Nedbank ATM) Tracing Up to R499,00 Incorrectly disputed transaction CASH WITHDRAWALS R220,00 (local or international) Over the counter at Nedbank R75,00 plus R2,00 per R100,00 branch 2 R2,00 per R100,00 OTHER CHARGES Nedbank ATM and SSD -
APPENDIX G-2.C Credit Card Defaults, Credit Card Profits, and Bankruptcy
APPENDIX G-2.c Credit Card Defaults, Credit Card Profits, and Bankruptcy (Prepared by Professor Lawrence M. Ausubel) Reprinted from The American Bankruptcy Law Journal, Vol. 71, Spring 1997, pp. 249-270. Copyright 1997 by Lawrence M. Ausubel. Credit Card Defaults, Credit Card Profits, and Bankruptcy by Lawrence M. Ausubel* Credit card defaults have become an increasingly conspicuous feature on the bankruptcy landscape. In 1996, bank credit card delinquencies exceeded 3.5 percent—the highest delinquency rate since 1973, when statistics were first collected.1 Bank credit card chargeoffs also veered upward to 4.5 percent per year, exceeding all but the levels recorded during the years 1991!1992.2 At the same time, personal bankruptcy filings reached a record high 290,111 in the quarter ending September 30, 1996—up thirty-one percent from the corresponding period one year earlier—and surpassed one million for the first year ever in 1996.3 Both credit card defaults and bankruptcies soared amid a generally healthy economy with relatively low unemployment4 and reasonable growth in gross domestic product.5 Wall Street analysts warned that the consumer balance sheet was heading toward a precipice which endangered the health of the banking system, if not the economic expansion generally.6 Bankruptcies and credit card debt have even achieved prominence in the national political debate. In the first 1996 presidential debate, Senator Robert Dole responded to his initial question on the economy by referring to the record bankruptcy rate: *Professor of Economics, University of Maryland at College Park. Copyright 1997. All rights reserved. This Article is based on a paper presented by the author at the Seventieth Annual Meeting of the National Conference of Bankruptcy Judges, San Diego, California, October 16-19, 1996.