Does Paypal Go Directly to Bank Account
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Mobile Banking
Automated teller machine "Cash machine" Smaller indoor ATMs dispense money inside convenience stores and other busy areas, such as this off-premise Wincor Nixdorf mono-function ATM in Sweden. An automated teller machine (ATM) is a computerized telecommunications device that provides the customers of a financial institution with access to financial transactions in a public space without the need for a human clerk or bank teller. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smartcard with a chip, that contains a unique card number and some security information, such as an expiration date or CVVC (CVV). Security is provided by the customer entering a personal identification number (PIN). Using an ATM, customers can access their bank accounts in order to make cash withdrawals (or credit card cash advances) and check their account balances as well as purchasing mobile cell phone prepaid credit. ATMs are known by various other names including automated transaction machine,[1] automated banking machine, money machine, bank machine, cash machine, hole-in-the-wall, cashpoint, Bancomat (in various countries in Europe and Russia), Multibanco (after a registered trade mark, in Portugal), and Any Time Money (in India). Contents • 1 History • 2 Location • 3 Financial networks • 4 Global use • 5 Hardware • 6 Software • 7 Security o 7.1 Physical o 7.2 Transactional secrecy and integrity o 7.3 Customer identity integrity o 7.4 Device operation integrity o 7.5 Customer security o 7.6 Alternative uses • 8 Reliability • 9 Fraud 1 o 9.1 Card fraud • 10 Related devices • 11 See also • 12 References • 13 Books • 14 External links History An old Nixdorf ATM British actor Reg Varney using the world's first ATM in 1967, located at a branch of Barclays Bank, Enfield. -
NPCI Appoints FIME to Set up the Certification Body for India's
NPCI appoints FIME to set up the certification body for India’s Payment Scheme, RuPay FIME to define, manage and execute certification programme for RuPay 6 March 2014 – National Payments Corporation of India (NPCI), the umbrella organisation of all retail payment systems in the country, has appointed advanced secure-chip testing provider FIME to deliver its RuPay certification programme. NPCI will utilise FIME’s expertise in setting up EMV®-based certification board for its card payment scheme- RuPay. FIME will define the certification specification, laboratory setup, test plan specification, test tools and operate the certification board for RuPay. FIME will also be involved in setting up the certification process including the associated administrative and business operations. This certification board will be effective from March 2014. This will ensure all payment cards and point-of-sale terminals deployed under the brand align to the requirements of RuPay specifications. It will also ensure necessary infrastructural alignment of acquirers and issuers with the payment system. Prakash Sambandam, Director of FIME India says: “Many countries have, or are in the process of migrating to the EMV payment standard. Transitioning to a chip payment infrastructure will take time and require the implementation of new product development cycles. Adhering to RuPay, an EMV payment scheme will ensure that the products achieve the required functional and security standards and perform as intended, once live in the marketplace. This level of compliance is vital to ensure product interoperability and security optimisation”. In addition to enhanced security, the new payment platform presents opportunities to deliver advanced payment solutions – such as mobile and contactless payments – which are based on secure-chip technology. -
CANADA Executive Summary
Underwritten by CASH AND TREASURY MANAGEMENT COUNTRY REPORT CANADA Executive Summary Banking The Canadian central bank is the Bank of Canada / Banque du Canada. The bank is based in Ottawa and its authority derives from the Bank of Canada Act. Canada does not apply central bank reporting requirements. Resident entities are permitted to hold fully convertible foreign currency bank accounts domestically and outside Canada. Non-resident entities are permitted to hold fully convertible domestic and foreign currency bank accounts within Canada. Canada has 32 domestic banks and 24 subsidiaries of foreign banks that are permitted to offer the full range of wholesale and retail banking services. There are also five cooperative credit associations that are federally regulated. In addition, 33 foreign banks have established branches in Canada. Payments Canada’s two main interbank payment clearing systems are LVTS and ACSS. The most important cashless payment instruments in Canada are electronic credit transfers in terms of value and card payments in terms of volume. Although their usage is falling, checks remain an important form of payment. The increased use of electronic and internet banking has led to a growth in the use of electronic payments such as electronic credit transfers and direct debits. Card payments have increased steadily, especially in the retail sector. Liquidity Management Canadian-based companies have access to a variety of short-term funding alternatives. There is also a range of short-term investment instruments available. Cash concentration is the more common technique used by Canadian companies to manage company and group liquidity. Of the available techniques, zero-balancing is the most commonly used. -
Check Point Firewall V1.0
Check Point Firewall Benchmark v1.0 Editor: John Traenkenschuh December 2007 Copyright 2001-2007, The Center for Internet Security (CIS) http://cisecurity.org [email protected] TERMS OF USE AGREEMENT Background. The Center for Internet Security ("CIS") provides benchmarks, scoring tools, software, data, information, suggestions, ideas, and other services and materials from the CIS website or elsewhere (―Products‖) as a public service to Internet users worldwide. Recommendations contained in the Products (―Recommendations‖) result from a consensus-building process that involves many security experts and are generally generic in nature. The Recommendations are intended to provide helpful information to organizations attempting to evaluate or improve the security of their networks, systems, and devices. Proper use of the Recommendations requires careful analysis and adaptation to specific user requirements. The Recommendations are not in any way intended to be a ―quick fix‖ for anyone‘s information security needs. No Representations, Warranties, or Covenants. CIS makes no representations, warranties, or covenants whatsoever as to (i) the positive or negative effect of the Products or the Recommendations on the operation or the security of any particular network, computer system, network device, software, hardware, or any component of any of the foregoing or (ii) the accuracy, reliability, timeliness, or completeness of the Products or the Recommendations. CIS is providing the Products and the Recommendations ―as is‖ and ―as available‖ without representations, warranties, or covenants of any kind. User Agreements. By using the Products and/or the Recommendations, I and/or my organization (―We‖) agree and acknowledge that: 1. No network, system, device, hardware, software, or component can be made fully secure; 2. -
04 April 2013 PCI Council Announces New Affiliate Members WAKEFIELD, Mass., 4 April, 2013
Media Contacts Laura K. Johnson, Ella Nevill PCI Security Standards Council +1-781-876-6250 [email protected] Twitter @PCISSC PCI SECURITY STANDARDS COUNCIL ANNOUNCES NEW AFFILIATE MEMBERS — First cohort of PCI SSC Affiliate members comprised of global payment security experts— WAKEFIELD, Mass., 4 April, 2013 — Today the PCI Security Standards Council (PCI SSC), an open, global forum for the development of payment card security standards announced that three organizations have joined the Council as the first Affiliate members. The Australian Payment Clearing Association (APCA), Cartes Bancaires CB and Interac Association will participate in this new capacity effective 1 April, 2013. The Council introduced the Affiliate membership class in 2012 as part of a continued drive to leverage industry expertise and broaden global input into the standards development process. Affiliate membership is open to regional and national organizations that define standards and influence adoption by their constituents who process, store or transmit cardholder data. This category offers Affiliate members the opportunity to become active participants on PCI working groups, in addition to playing an integral role in the standards development process. The Australian Payments Clearing Association (APCA) is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system. APCA represents 90 members that include the Reserve Bank of Australia, major and regional banks, building societies, credit unions, large retailers and other principal payments service providers. Cartes Bancaires CB, (Groupement des Cartes Bancaires CB), based in Paris, France, is an Economic Interest Consortium (GIE), and the governing body of the CB payment system. -
Account Selection Made Easy Money Management Tools
ACCOUNT SELECTION MADE EASY MONEY MANAGEMENT TOOLS Recordkeeping As an online or mobile Banking Customer, you can view your account transactions whenever you wish. Banking, you can view, print and save copies of cheques that have cleard through your Canadian accounts service is free of charge. Automatic transfers Pre-authorized payments and direct deposits Overdraft protection6 FINDING THE PERFECT FIT FOR MANAGING YOUR MONEY Easy, exible banking, to suit all your needs Bank the way you want (ATMs) or in branch ® ATM cash withdrawals throughout Canada secure way to send, request and receive money directly from one bank account to another © ATMs cash withdrawals around the world EASY ACCESS ATMs, Mobile, Telephone and Online Banking. Your Online Banking Telephone Banking ATMs Interac® Debit Interac® e-Transfer Use Online Banking to send/request money to/from anyone with an email address or cellphone number and a bank account at a Canadian nancial institution. International ATM withdrawals Cirrus©2 ATM. First Nations Bank of Canada branch service The Exchange® Network Withdraw cash or make deposits at participating ATMs displaying e Exchange® Network symbol. Looking for a convenient way to needs? Our chequing accounts have what you need to take care of your bill payments, deposits, withdrawals and Value Account Transactions Included 12 included Additional Fees Interac® ATM withdrawal $1.50 each Cirrus©2 ATM (inside U.S. and Mexico) $3 each Cirrus©2 ATM (outside Canada, U.S. and Mexico) $5 each Interac® e-Transfers sent $1.50 each Receive a Fullled Interac® Money Request $1.50 Fulfill an Interac® e-Transfer Money Request free Recordkeeping Options Additional Features Monthly Fees and Rebates Value Plus Account Transactions Included Additional Fees Interac® ATM withdrawal $1.50 each Cirrus©2 ATM (inside U.S. -
Quantum Rugged 1570R Security Gateways
QUANTUM RUGGED 1570R SECURITY GATEWAYS Secure. Rugged. Simple. Check Point Quantum Rugged appliances ensure industrial sites, manufacturing floors and mobile fleets are connected and secure. The solid-state design of the 1570R operates in temperatures ranging from minus 40° C to 75° C, making it ideal for securing any industrial application — power and manufacturing plants, oil and gas facilities, maritime fleets, building management systems, and more. Connect your field devices to the 1570R via an 8 port LAN switch or Wi-Fi and in turn connect your 1570R to OT management networks via 1 GbE copper or fiber WAN port or a highly available dual SIM LTE modem. The Check Point NGFW in the 1570R ensures the connection is secure. Transportation Oil & Gas Manufacturing Energy Utilities SECURE SCADA AND ICS ENVIRONMENTS RUGGED FORM FACTOR The Check Point Quantum Rugged 1570R Next Generation The rugged solid-state form factor enables the 1570R to Firewall (NGFW) secures Critical Infrastructure and operate in a temperature range of -40C to +75C, making it Industrial Control Systems (ICS) without impacting ideal for deployment in harsh environments. The 1570R is operations. Our NGFWs identify and secure over 70 certified for the industrial specifications IEEE 1613 and IEC standard and proprietary SCADA (Supervisory Control and 61850-3 for heat, vibration, and immunity to Data Acquisition) and ICS protocols. This includes the most electromagnetic interference (EMI). In addition, the 1570R is popular protocols used in Utilities and Energy sectors, certified for maritime operation per IEC-60945 and IACS E10 Manufacturing sectors, Building Management Systems and and complies with DNV-GL-CG-0339. -
Faster Payments QIAT
Faster Payments QIAT Proposer: The Clearing House and FIS February 21, 2017 TABLE OF CONTENTS Original Proposal 2 Q&A Response 106 Draft QIAT Assessment 120 (Includes proposer comment in Appendix A & B) 136 Task Force comments 140 Proposer response to Task Force comments 153 Final QIAT Assessment 155 Submitted by: Proposal to Faster Payments Task Force April 22, 2016 This Proposal is submitted under and subject to the terms of the Amended and Restated Faster Payments Task Force Participation Agreement for an Organization (the “Agreement”), and shall be used only as explicitly set forth in the Agreement. The Proposal includes technology that is owned by or proprietary to The Clearing House Payments Company L.L.C. and third parties. Proposed features, functionality, implementation details, requirements and timetables are in development and subject to change at any time. 2 | Executive Summary 01 |Executive 02 | Use Case 03 | Proposal 04 | Part A1: 05 | Part A2: Use 06 | Part B: 07 | Self Summary Coverage Assumptions Solution Case Description Business Assessment Description Considerations Table of Contents Contents 1: Executive Summary 3 2: Use Case Coverage Domestic Coverage 5 Cross-border Coverage 6 3: Proposal Assumptions 7 4: Part A.1: Solution Description Introduction 8 Initiation 13 Authentication 21 Payer authorization 22 Approval by payer’s provider 23 Clearing, Receipt & Settlement 25 Reconciliation 27 Summary 28 5: Part A.2: Use Case Description Use case description (P2P) 30 Use case description (B2B) 31 Use case description (B2P) 32 Use case description (P2B) 33 Use cases by effectiveness criteria 34 6: Part B: Business Considerations Introduction 36 Implementation Timeline 38 Value Proposition and Competition 40 Integration Effort 41 Legal & Governance 44 7: Self Assessment Ubiquity 49 Efficiency 51 Safety and Security 53 Speed (Fast) 56 Legal Framework 57 Governance 58 8: Appendix The Clearing House Payments Company L.L.C. -
TD Generation Union Pay Guide
TD Generation UnionPay Guide For the TD Generation • All-in-One, HSPA, WiFi • Portal with PINpad • Portal 2 with PINpad COPYRIGHT © 2016 by The Toronto-Dominion Bank This publication is confidential and proprietary to The Toronto-Dominion Bank and is intended solely for the use of Merchant customers of TD Merchant Solutions. This publication may not be reproduced or distributed, in whole or in part, for any other purpose without the written permission of an authorized representative of The Toronto-Dominion Bank. NOTICE The Toronto-Dominion Bank reserves the right to make changes to specifications at any time and without notice. The Toronto-Dominion Bank assumes no responsibility for the use by the Merchant customers of the information furnished in this publication, including without limitation for infringements of intellectual property rights or other rights of third parties resulting from its use. Contents Who should use this guide? .....................................................1 What is UnionPay? .................................................................................. 1 How do I identify a UnionPay card? ....................................................... 1 UnionPay card types ............................................................................... 1 Financial Transactions ............................................................2 Transaction requirements ......................................................................2 PIN entry ............................................................................................................2 -
Check Point + Vmware SD-WAN by Velocloud | SOLUTION BRIEF
Check Point + VMware SD-WAN by VeloCloud | SOLUTION BRIEF Check Point + VMware SD-WAN SECURE CLOUD-DELIVERED SD-WAN As more applications move to the cloud, business users increasingly rely on these applications to do their jobs. From virtual meetings to file-sharing to collaboration through tools like Skype, Slack, and Office 365, including voice and video traffic, they require consistent, high-quality bandwidth, all the time. For IT organizations that are managing remote and branch offices, it can be a challenge to accommodate these needs in a way that’s efficient, secure, and cost effective. For branch office users who are consuming more Wide-Area Network (WAN) bandwidth than ever, the user experience is often suboptimal. Traditional WAN architectures weren’t designed to support cloud and SaaS applications. WAN traffic is carried through expensive leased lines that drive up costs or unreliable public Internet lines that frustrate end users. CHECK POINT VMWARE SD-WAN SOLUTION Now there’s a better option. Software-Defined WAN (SD-WAN) enables enterprises to support application growth and simplify branch operations while streamlining access to cloud services and private data centers over both ordinary broadband Internet and private links, regardless of the transport mechanism. SD-WAN is critical for today’s hybrid cloud environments because it brings enterprise-level manageability, performance, and reliability across branch offices. Private links backhauled to the data center can be secured in a hub and spoke model, but the local Internet breakout to the cloud is susceptible to cyber-attacks. Check Point secures these links with the same advanced threat prevention available in Check Point on-premises security gateways. -
Infoblox Partner Solution Brief
Check Point + Infoblox | Solution Brief CHECK POINT + INFOBLOX: IMPROVE YOUR SECURITY POSTURE OVERVIEW Benefits Malware is constantly evolving, making threat intelligence an essential tool. You need timely, reliable and accurate data to optimize and improve your organization’s security • Respond faster to emerging threats posture. But with so many sources, how do you choose the best security intelligence with advanced threat intelligence feed for you? provided through Infoblox TIDE—a single platform that aggregates threat intelligence from various external and CHECK POINT THREAT INTELLIGENCE PLATFORM internal sources such as the Comprehensive and timely threat intelligence delivered simultaneously to all of your Automated Indicator Sharing (AIS) of enforcement points is essential to prevent attacks before they occur. Check Point the Department of Homeland Security delivers that and more across all your enforcement points. With Check Point (DHS), open source ecosystems and ThreatCloud, all enforcement points in your network, cloud and mobile environments are third-party vendor subscriptions. armed with threat intelligence derived from multiple external feeds, internal research and • Minimize false positives with curated indicators from Check Point customers around the world. threat intelligence feeds provided by Infoblox's Cyber Intelligence Unit. While Check Point ThreatCloud provides the foundation and intelligence, we understand • Receive prioritized threats in that your security infrastructure may include additional products and data sources. context, automatically distributed Therefore, Check Point provides a rich set of APIs to integrate third-party security tools by Check Point’s ThreatCloud as part of the broader security infrastructure. Check Point enables you to build a single, and relevant security products. cohesive security posture while making your security team more efficient and effective. -
Simins V. Zoom Video Communications, Inc
Case 5:20-cv-02893-VKD Document 1 Filed 04/27/20 Page 1 of 24 1 Eric H. Gibbs (SBN 178658) Andre Mura (SBN 298541) 2 Amanda M. Karl (SBN 301088) Jeffrey Kosbie (SBN 305424) 3 GIBBS LAW GROUP LLP 505 14th Street, Suite 1110 4 Oakland, California 94612 Telephone: (510) 350-9700 5 Fax: (510) 350-9701 6 [email protected] [email protected] 7 [email protected] [email protected] 8 Attorneys for Plaintiff and Proposed Class 9 10 11 UNITED STATES DISTRICT COURT 12 NORTHERN DISTRICT OF CALIFORNIA 13 14 STACEY SIMINS, on behalf of herself and Case No. 5:20-cv-2893 all others similarly situated, 15 CLASS ACTION COMPLAINT AND 16 Plaintiff, DEMAND FOR JURY TRIAL 17 v. 18 ZOOM VIDEO COMMUNICATIONS, 19 INC., 20 Defendant. 21 22 23 24 25 26 27 28 CLASS ACTION COMPLAINT AND DEMAND FOR JURY TRIAL CASE NO. 5:20-cv-2893 Case 5:20-cv-02893-VKD Document 1 Filed 04/27/20 Page 2 of 24 1 Plaintiff, on behalf of herself and all others similarly situated, alleges the following: 2 SUMMARY OF THE CASE 3 1. Zoom provides a video-conferencing service called Zoom Meetings. The video meetings 4 ostensibly allow users to engage in video and audio conversations with only those specified people with 5 whom they have chosen to communicate. Users reasonably expect these conversations to be private and 6 secure, and these expectations are heightened by the very nature of Zoom Meetings, where users can 7 not only be heard, but also seen.