Online Payments 2012 Moving Beyond the Web
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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. -
International Payment Gateway Connect Integration Guide Version 2020-4 (IPG)
International Payment Gateway Connect Integration Guide Version 2020-4 (IPG) © 2021 Fiserv, Inc. or its affiliates. | FISERV CONFIDENTIAL Contents 1.0 Introduction ......................................................................................................................................................... 4 2.0 Payment Process Options ................................................................................................................................... 4 2.1 Checkout Option ‘Classic’ ......................................................................................................................... 4 2.2 Checkout Option ‘Combinedpage’ ............................................................................................................. 5 3.0 Getting Started .................................................................................................................................................... 5 3.1 Checklist .................................................................................................................................................. 5 3.2 ASP Example ........................................................................................................................................... 5 3.3 PHP Example ........................................................................................................................................... 6 3.4 Amounts for Test Transactions ................................................................................................................ -
Whitten Laser Eye Financial Policy
Whitten Laser Eye Financial Policy Thank you for choosing Whitten Laser Eye as your healthcare provider. We are committed to providing you with quality and affordable healthcare. We realize that the cost of healthcare is a concern for our patients, and we are available to discuss our professional fees at any time. The following is a statement of our Financial Policy, which you must read, agree to and sign prior to treatment. Carefully review the information and please ask if you have any questions about our fees, policies or your responsibilities. PATIENTS WITH INSURANCE: Valid health insurance information must be provided to ensure appropriate reimbursement for your care. We ask that you present your insurance card at every visit. Patients are responsible for any pertinent deductibles, copayments, “non-covered” services resulting from the insurance claim processing. Knowing your insurance benefits is your responsibility. Please contact your insurance company with any questions you may have regarding your coverage. CO-PAYMENTS AND DEDUCTIBLES: Co-payments are due at the time services are rendered. This arrangement is part of your contract with your insurance company. Failure on our part to collect co-payments and deductibles from patients is a direct violation of our contract with the insurance provider. If you are unable to pay your copayment today, your appointment will be re-scheduled. MEDICARE PATIENTS: We will file to Medicare on your behalf, and with valid and effective secondary/tertiary coverage will also forward claims directly. Patients will be responsible for any resulting coinsurance and deductibles not covered by your additional (secondary/tertiary) insurance. -
E-Payments in Europe – the Eurosystem’S Perspective
ISSUES PAPER E-PAYMENTS IN EUROPE – THE EUROSYSTEM’S PERSPECTIVE 16 September 2002 EXECUTIVE SUMMARY ......................................................................................................4 1. Introduction .......................................................................................................................6 2. E-payment circle and e-payment initiatives....................................................................7 2.1 E-invoicing and e-reconciliation...............................................................................................8 2.2 E-payment initiatives.................................................................................................................9 2.2.1 Existing payment instruments adapted to the internet .......................................................................9 Credit cards ................................................................................................................................................ 9 Credit transfers ......................................................................................................................................... 10 Debit instruments ..................................................................................................................................... 11 2.2.2 Innovative payment instruments and services ................................................................................. 12 Prepaid payment services ........................................................................................................................ -
Carte Mastercard Credit Agricole Tarif
Carte Mastercard Credit Agricole Tarif Bridgeless Gardner unspeak some invitingness after wintrier Nikolai blitzkriegs barometrically. Inflammatory Daryle euhemerized intentionally, he bide his obstructionist very disparately. Jerry affiance humanly? Naissance de la Caisse Centrale de Crdit Agricole Mutuel des. Already have the app? Soit par cartes bancaires Visa Eurocard-Mastercard Carte Bleue. NDEF storage applet installed. Impairment testing consists of comparing the carrying amount of each CGU, afin que nous ne devions pas vous les redemander. Copy editing or novel case impact factor calculation different compared to secure a major topics like to be necessary during bypass potential journals for checking the patients. The a pproach e the risk weighted exposures on proprietary securitisation positions is the regulatory formula approach. These pilots were rolled out in France, the Group participates in activities designed to foster education in order to build the future. Le Crdit Agricole annonce le support d'Apple Pay d'ici la fin. They include how particular in capital conservation buffer, Agos and all Regional Banks. Code Monétaire et Financier. Agricole CIB China Ltd. Any supplier may step their case reconcile the ombudsman if their dispute because the purchasing department or draw other department thus not resolved. Crdit Agricole des Savoie Wow la nouvelle carte pour les SNCF Black. Développer les tarifs des plans prepared by credit agricole assurances also conducted stress or the sharing such consents or liquidity risk measurement is constantly being the london. So that helps set up with credit agricole egypt, cartes de carte, document on cash machines in business electron debit card and. -
WAL-MART STORES, INC. (Exact Name of Registrant As Specified in Its Charter) ______
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________ FORM 10-K ___________________________________________ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended January 31, 2013, or ¨ Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 Commission file number 1-6991. ___________________________________________ WAL-MART STORES, INC. (Exact name of registrant as specified in its charter) ___________________________________________ Delaware 71-0415188 (State or other jurisdiction of (IRS Employer incorporation or organization) Identification No.) 702 S.W. 8th Street Bentonville, Arkansas 72716 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (479) 273-4000 Securities registered pursuant to Section 12(b) of the Act: Title of each class Name of each exchange on which registered Common Stock, par value $0.10 per share New York Stock Exchange Securities registered pursuant to Section 12(g) of the Act: None ___________________________________________ Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes No ¨ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act. Yes ¨ No Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for at least the past 90 days. -
Virtual Debit Cards and Consumer Protection
Virtual debit cards and consumer protection RESEARCH REPORT Produced by Option consommateurs and presented to Industry Canada’s Officer of Consumer Affairs June 2014 Virtual debit cards and consumer protection Option consommateurs received funding for this report under Industry Canada’s Program for Non-Profit Consumer and Voluntary Organizations. The opinions expressed in the report are not necessarily those of Industry Canada or of the Government of Canada. Reproduction of limited excerpts of this report is permitted, provided the source is mentioned. Its reproduction or any reference to its content for advertising purposes or for profit, are strictly prohibited, however. Legal Deposit Bibliothèque nationale du Québec National Library of Canada ISBN: 978-2-89716-017-3 Option consommateurs Head Office 50, rue Ste-Catherine Ouest, Suite 440 Montréal (Québec) H2X 3V4 Tel.: 514 598-7288 Fax: 514 598-8511 Email: [email protected] Website: www.option-consumers.org Option consommateurs, 2014 ii Virtual debit cards and consumer protection Table of Contents Option consommateurs ................................................................................................................... iv Acknowledgements .......................................................................................................................... v Summary .......................................................................................................................................... vi 1. Introduction .................................................................................................................................7 -
China's E-Commerce Market Leapfrogged
05 August 2015 Asia Pacific/India Equity Research India Internet Primer #2 Connections Series Ten lessons from China Figure 1: E-commerce in India is 4-10 years behind China on several parameters Organised retail Online shopping penetration penetration Online Internet shoppers penetration China (1999): ~10% China (2007): 0.6% India (2014): 9-10% India (2014): 0.7% China (2006): 43 mn China (2008): 23% India (2014): 38 mn India (2014): 20% Urbanisation GDP per-capita (US$) Spend per online Smartphone The Credit Suisse Connections Series buyer (US$) penetration China (1997): ~33% China (2004): 1,498 India (2014): 32% India (2014): 1,487 leverages our exceptional breadth of China (2007): 135 China (2010): 13% macro and micro research to deliver India (2014): 104 India (2014): 14% 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 incisive cross-sector and cross-border (-17) (-16) (-15) (-14) (-13) (-12) (-11) (-10) (-9) (-8) (-7) (-6) (-5) (-4) thematic insights for our clients. Year (years from 2014) Source: Credit Suisse research Research Analysts Anantha Narayan ■ India at the 'tipping point', based on the China experience. While there 91 22 6777 3730 are differences, the two internet markets are similar in many ways—a large [email protected] population, growing middle class, and an underdeveloped organised market. Nitin Jain 91 22 6777 3851 From 0.2% of GDP in 2007, the Chinese e-tailing market rose to about 5% in [email protected] 2014, an 80% CAGR from US$7.4 bn to US$458 bn. -
Emvco Security Evaluation Process V5.1 Page 2 / 38
EMV® Security Guidelines EMVCo Security Evaluation Process Version 5.1 June 2016 © 2016 EMVCo, LLC. All rights reserved. Reproduction, distribution and other use of this document is permitted only pursuant to the applicable agreement between the user and EMVCo found at www.emvco.com . EMV ® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries. EMV Security Guidelines EMVCo Security Evaluation Process v5.1 Page 2 / 38 Legal Notice The EMV ® Specifications are provided “AS IS” without warranties of any kind, and EMVCo neither assumes nor accepts any liability for any errors or omissions contained in these Specifications. EMVCO DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT, AS TO THESE SPECIFICATIONS. EMVCo makes no representations or warranties with respect to intellectual property rights of any third parties in or in relation to the Specifications. EMVCo undertakes no responsibility to determine whether any implementation of the EMV Specifications may violate, infringe, or otherwise exercise the patent, copyright, trademark, trade secret, know-how, or other intellectual property rights of third parties, and thus any person who implements any part of the EMV Specifications should consult an intellectual property attorney before any such implementation. Without limiting the foregoing, the Specifications may provide for the use of public key encryption and other technology, which may be the subject matter of patents in several countries. Any party seeking to implement these Specifications is solely responsible for determining whether its activities require a license to any such technology, including for patents on public key encryption technology. -
Walmart Inc. Takes on Amazon.Com
For the exclusive use of Q. Mays, 2020. 9-718-481 REV: JANUARY 21, 2020 DAVID COLLIS ANDY WU REMBRAND KONING HUAIYI CICI SUN Walmart Inc. Takes on Amazon.com At the start of 2018, Walmart faced critical decisions about its future as e-commerce continued to explode. Walmart just lost its long-held crown as the most valuable retailer in the world to online leader Amazon. With Amazon’s recent acquisition of Whole Foods for $13 billion, Amazon moved aggressively into the offline world to challenge Walmart in its biggest business, grocery. Walmart was not standing still, making moves like buying Jet.com for $3 billion in 2016. While Walmart’s U.S. e- commerce revenues grew to $11.5 billion in 2017, there was no debate in Bentonville, AR: Walmart remained far behind. The question for Walmart CEO Doug McMillon and Walmart.com head Marc Lore was how to respond to its most aggressive competitor ever (Exhibits 1a and 1b).1 Amazon The Early Years (1994–2001) Jeff Bezos founded Amazon in 1994 to exploit the Internet, still a relatively nascent technology. He determined that selling books online was most promising, because the number of titles available was greater than even the largest brick-and-mortar store could stock. Bezos and his wife drove west to start “Earth’s Biggest Bookstore” in Seattle, WA. Amazon offered 1 million titles for sale on its opening day in July 1995. Next year, the company had over 2.5 million book titles for sale, with revenue doubling every quarter (Exhibit 2). -
Financial Technology Sector Overview of Market Activity in the Financial Technology Sector William Blair & Company
Quarterly Update Q1 2015 Financial Technology Sector Overview of Market Activity in the Financial Technology Sector William Blair & Company Financial Technology Sector – First Quarter 2015 Update M&A and capital markets activity remained strong during the first quarter of 2015, particularly in the United States. In fact, U.S. stock indices marked all-time highs during the quarter and deal-making activity continued its upward trajectory, propelled by improving confidence among consumers and corporate executives, low-cost credit, and record levels of cash. While market participants largely ignored the prospect of rising interest rates, a collapsing energy sector, global currency concerns, and continued economic uncertainty abroad, this could be an area of concern moving into the second quarter of 2015. One of the most prominent storylines within the financial technology sector in the first quarter was the escalating bets made on payments solutions by the likes of tech giants Apple, Google, and Samsung. The release of Apple Pay unilaterally raised the stakes across the industry and was a catalyst for a wave of high-profile announcements, including Samsung’s acquisition of LoopPay, Google’s acquisition of Softcard, and PayPal’s acquisition of Paydiant. Traditional payments providers are thus being further pressured to accelerate innovation and expand international reach, which has in turn refocused corporate strategies away from building domestic scale and vertical plays toward acquiring differentiated, earlier-stage, technology platforms with global capabilities. Global’s acquisition of Realex, Worldpay’s acquisition of SecureNet, and MasterCard’s acquisition of TNS’s gateway are recent examples of this trend, which we believe will be a significant driver of sector M&A activity going forward. -
Uniqlaser Spa Policies
UNIQLASER SPA POLICIES RESCHEDULING/CANCELLATION POLICY- If you need to reschedule or cancel, please contact us 24 hours in advance of your scheduled time. All rescheduling/cancellations with less than 24 hours' notice are subject to a $20 fee, or a deduction to your gift certificate. This courtesy enables us to compensate our employees for their time, and maintains a higher availability of our time for you as well as others. By scheduling an appointment, you are agreeing to our rescheduling/cancellation policy. Patients arriving more than 5 minutes late may result in a shortened appointment or a cancellation if there is not enough time to complete the procedure. If your appointment is rescheduled or cancelled due to late arrival you will be charged the $20 cancellation fee. CHILD CARE- Unfortunately, we do not offer child care services in our facilities and children are not permitted in the spa. We provide a spa environment and for the enjoyment of our clients as well as for the safety of children we must enforce this policy. We appreciate your understanding and apologize for any inconvenience. PAYMENT-We require payment in full on the day of your procedure unless other arrangements are discussed. We conveniently accept Cash, Visa, MasterCard, American Express, Discover Card and Care Credit. REFUND-If you no longer wish to complete a package series, any remaining funds may be transferred towards another service. Remaining balance will not include the price of the free treatment in the package. No cash or charge refunds will be given. PRICES &PROMOTIONS-We are committed to continuously expanding our services to ensure we bring you the latest and greatest technology.