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SMART CARD GET SMART, GET CARDAX Cardax Smart Card Solutions
© Copyright Cardax (International) Limited 1999 All rights reserved SMART CARD GET SMART, GET CARDAX Cardax Smart Card Solutions SMART CARD GET SMART, GET CARDAX Presentation Outline • Business Requirements • What is Smart Card technology? • Features and Benefits of Smart Cards • Contactless Smart Cards • MIFARE? Technology SMART CARD GET SMART, GET CARDAX Presentation Outline • Meeting Business Requirements • Cardax Smart Card Solutions • References • Recommendation SMART CARD GET SMART, GET CARDAX Business Requirements • Electronic funds transfer at point of sale (EFTPOS) through the banking system • Network accessibility to an intranet environment where all building facilities, from access control to recreational facilities to fax machines, internet, vending machines etc are interconnected SMART CARD GET SMART, GET CARDAX Business Requirements The system needs to provide: • a process to authenticate users • a secure login process • a record of utilisation time SMART CARD GET SMART, GET CARDAX What is Smart Card Technology? Smart card technology allows multiple applications to co-exist on a single IC (integrated circuit) card. SMART CARD GET SMART, GET CARDAX Features and Benefits of Smart Card Technology • The ability to use a single card for multiple applications has many benefits – Cardholders only need to carry one card – There are lower card costs because one card supports many applications – By using the default industry standard more applications can be more readily added SMART CARD GET SMART, GET CARDAX Features and Benefits -
Helpful Tips to Reducing Disputes How to Manage Dispute Inquiries and Chargebacks Understanding Merchant Disputes & Chargebacks
Helpful Tips to Reducing Disputes How to manage Dispute Inquiries and Chargebacks Understanding Merchant Disputes & Chargebacks What’s Inside: American Express Dispute Process 2 How to Reduce Disputes 3 Frequently Asked Questions 5 Appendix 6 This guide is intended to provide you with general A Chargeback happens when American Express debits your guidance on how to manage Disputes inquiries and upfront account after a dispute is closed due to various reasons. An Chargebacks, information about your role in the process and example of some of the reasons could be: a Cardmember has recommendations to help you avoid Disputes. provided evidence of an unauthorized transaction, you do not reply to a dispute inquiry within the specified timeframe or the A Dispute happens when a Cardmember doesn’t recognize a response is insufficient. transaction, does not agree with the amount of the transaction, or wants additional information about the transaction. FOR MORE INFORMATION, VISIT AMERICANEXPRESS.CA/MERCHANTPOLICY OR CALL 1-800-268-9877 American Express Dispute Process A CARDMEMBER DISPUTES A CHARGE INQUIRY INQUIRY A notification you receive if a Cardmember disputes a charge American Express sends an Inquiry notice from your business and we cannot resolve it using the documents we have on file. SUBMIT DOCUMENTS We may request that you send supporting documents of the transaction. I.e.: Signed Record Of Charge (ROC); cancellation policy, terms and conditions, proof of Cardmember consent etc… CASE RESOLVED CHARGEBACK The case may be resolved in your favor A Chargeback will be processed if: your if you provide the appropriate supporting reply is insufficient; you do not reply on documents and information within the time; or you authorize us. -
Summary of Credit Terms- Union Bank® Cashback Rewards Visa® Card
Summary of Credit Terms- Union Bank® Cashback Rewards Visa® Card PLEASE NOTE: If you apply for the Union Bank Cashback Rewards Visa Card and meet our eligibility criteria for the Visa Signature® Card, you agree that we may consider your application as one for (and upgrade you to) the Union Bank Cashback Rewards Visa Signature Card. Interest Rates and Interest Charges Annual Percentage Rate Introductory APR for the first 12 months that your account is open. (APR) for Purchases 0.00% After that, your APR will be 13.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for the first 12 months that your account is open. After that, your APR will be 13.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.25%. This APR will vary with the market based on the Prime Rate. Penalty APR None Paying Interest Your due date is at least 21 calendar days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the the Consumer Financial website of the Consumer Financial Protection Bureau at Protection Bureau http://www.consumerfinance.gov/learnmore. -
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 -
Trends in Smartcard Fraud•
Trends in Smartcard fraud• Susan Burns, George R. S. Weir Department of Computer and Information Sciences, University of Strathclyde, Glasgow G1 1XH, UK {susan.burns, george.weir}@cis.strath.ac.uk Abstract. The introduction of smartcard technologies has reduced the incidence of card fraud in the UK, but there are still significant losses from fraudulent card use. In this paper we detail the context of smartcard introduction and de- scribe the types of fraud that remain a threat to cardholders and other stake- holders in the card system. We conclude with a risk analysis from the card- holder’s perspective and recommend greater cardholder awareness of such risks. Key words. Smartcards, fraud, consumer security, risk assessment. 1. Introduction A recent report from the European Security Transport Association (ESTA) found that nearly 20% of the adult population in Great Britain has been targeted as part of a credit or debit card scam. As a result, the UK has been termed the ‘Card Fraud Capital of Europe’ [1], with UK citizens twice as likely to become victims of card fraud as other Europeans. Plastic card fraud is a lucrative exploit for criminals and the pro- ceeds may be used to fund organised crime. Smart payment cards (Chip and PIN cards) were introduced in the UK to replace magnetic stripe cards and support PIN verification of card transactions. By the end of 2005, more than 107 million of the 141.6 million cards in the UK had been upgraded to smart cards [2]. Levels of plastic card fraud fell by 13% to £439.4 million in 2005 [3] and again to £428 million in 2006 (Figure 1). -
Contactless Operating Mode Requirements Clarification Whitepaper
Contactless Operating Mode Requirements Clarification Whitepaper Version 1.0 Publication Date: February 2020 U.S. Payments Forum ©2020 Page 1 About the U.S. Payments Forum The U.S. Payments Forum, formerly the EMV Migration Forum, is a cross-industry body focused on supporting the introduction and implementation of EMV chip and other new and emerging technologies that protect the security of, and enhance opportunities for payment transactions within the United States. The Forum is the only non-profit organization whose membership includes the entire payments ecosystem, ensuring that all stakeholders have the opportunity to coordinate, cooperate on, and have a voice in the future of the U.S. payments industry. Additional information can be found at http://www.uspaymentsforum.org. EMV ® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. Copyright ©2020 U.S. Payments Forum and Smart Card Alliance. All rights reserved. The U.S. Payments Forum has used best efforts to ensure, but cannot guarantee, that the information described in this document is accurate as of the publication date. The U.S. Payments Forum disclaims all warranties as to the accuracy, completeness or adequacy of information in this document. Comments or recommendations for edits or additions to this document should be submitted to: [email protected]. U.S. Payments Forum ©2020 Page 2 Table of Contents 1. Introduction .......................................................................................................................................... 4 2. Contactless Operating Modes ............................................................................................................... 5 2.1 Impact of Contactless Operating Mode on Debit Routing Options .............................................. 6 3. Contactless Issuance Requirements ..................................................................................................... 7 4. -
Check Card Agreement and Disclosure Statement
Notice of Customer Rights and Liabilities ASPIRATION CHECK CARD AGREEMENT AND DISCLOSURE STATEMENT Aspiration Financial, LLC (“Aspiration”) has arranged with Bank (defined below) for the issuance of Mastercard cards to the customers of Aspiration. When you use this Card, you will be accessing the Available to Withdraw balance in your Aspiration Cash Management Account. This Agreement is made among you, Aspiration and Bank and explains the types of Transactions that you can perform with your Mastercard Card (“Card”), as well as your rights and responsibilities concerning your usage and safekeeping of the Card. You agree to be legally bound by the terms and conditions set forth in this Agreement. IMPORTANT If you believe your Card or personal identification number (“PIN”) has been lost or stolen or has become known to unauthorized persons or that someone has used or may use your Card or PIN without your permission: Notify Aspiration by: Telephoning Aspiration at: 800-683-8529 or Writing Aspiration at: 4551 Glencoe Avenue, Marina Del Rey, CA 90292 For all other questions: Telephone or write Aspiration. 1. Definitions. Unless the context otherwise requires, the capitalized terms used in this Agreement have the meanings specified below: “Account” refers to your Aspiration Cash Management Account. Termination of your Account will result in the immediate termination of your Card. Your Card may be terminated by us without resulting in termination of your Account. “ATM” means automated teller machine. “ATM Withdrawal” means a Transaction in which you receive cash from an ATM. “Authorization” means a Transaction in which you authorize others to place a hold on your Available Balance to ensure future payment. -
1 Terms and Conditions of the Uob Smart$ Rebate
TERMS AND CONDITIONS OF THE UOB SMART$ REBATE PROGRAMME 1. DEFINITIONS AND INTERPRETATIONS 1.1. In these Terms and Conditions, unless the context otherwise requires, the following expressions shall have the following meaning: “Bank” or “UOB” means United Overseas Bank Limited and its successors and assigns. “Card Transaction” means a payment for goods or services made using a UOB Card. “Excluded Cards” means UOB PRVI Miles Platinum American Express Card, UOB Preferred Platinum American Express Card, UOB UnionPay Platinum Card, UOB Travel Account Card, Purchasing and Private Label Card and any other card as may be determined by the Bank in its discretion. “SMART$ Merchant” means the merchant establishment participating in the UOB SMART$ Rebates Programme. “UOB Card” means each or any of the UOB Credit Cards and UOB Debit Cards. “Eligible Cardmember” or “UOB Cardmember” means each or any of the principal cardmember (i.e. the person to whom the Bank issued the principal UOB Card) and the supplementary cardmember (i.e. the person to whom the Bank issued the supplementary UOB Card). “UOB Credit Card” means any principal or supplementary credit card issued by the Bank in Singapore (but excluding all Excluded Cards); and which is valid, subsisting, in good standing and satisfactorily conducted in the opinion of the Bank. “UOB Debit Card” means any principal or supplementary debit card issued by the Bank in Singapore (but excluding all Excluded Cards); and which is valid, subsisting, in good standing and satisfactorily conducted in the opinion of the Bank. 2. ELIGIBILITY UOB SMART$ Rebates Programme does not apply to Excluded Cards unless otherwise stated. -
Chairman's Letter More Than an Industry, It Is a World of News ISCAN
QUARTERLY NEWSLETTER OF THE GLOBAL SMART CARD INDUSTRY JANUARY 2011 ISSUE this issue Welcome to the Chairman’s Letter P.1 International Smart ISCAN Member News P.1‐5 Card Associations Network 2011 Event Calendar P.4 International Smart Card Associations Network ‐ ISCAN ‐ is an international alliance of More than an industry, it is a world of news independent smart card associations combining manufacturers, systems integrators, issuers, Chairman’s Letter ISCAN NEWS potential issuers and From Catherine Johnston, CEO ACT Canada economic or social Every year ISCAN members meet in Q4 to discuss actors involved in the smart card activities. the state of the global market and how we can In Payments – The Canadian Task Force for contribute to progress in the coming year. the Payments System Review is well underway, identifying four payment 2010, a year where everyone was nervous landscape scenarios that could unfold over because of the global financial crisis, saw the Goals of the the next nine years. shipment of the one billionth EMV card and China Network committing to EMV. In fact, Eurosmart Continued on Page 3 announced that the overall growth in shipments ISCAN's major purpose of smart cards was 18% with financial services, is to support the loyalty and retail accounting for 880 million units proliferation of smart shipped. The effect of China converting to EMV • Eurosmart publishes smart cards card usage worldwide will see that number grow over the coming years. shipments for 2010 and 2011 forecasts by promoting results of 2011 is expected to also see double digit growth. tasks and facilitating Continued on Page 4 exchanges of views The contactless market experienced significant between participating growth in 2010 (40%) as well and is expected to national, continental continue that growth by another 28% in 2011. -
Mastercard Debit Card Disputes
MASTERCARD DEBIT CARD DISPUTES Please follow this guide to help us process your Mastercard dispute promptly. Requirements for Processing Your Dispute We’ll begin our investigation based on the date we are notified of your disputed transaction(s). Mastercard requires that you attempt to resolve the dispute directly with the merchant before a dispute can be filed. You must provide documentation of your contact with the merchant before we can submit your request to Mastercard. Complete, sign, and return the Mastercard Cardholder Dispute Notification form to us. Select the statement on the form that best describes your dispute. Use the Additional Comments section to further explain the transaction and the nature of your dispute, or if none of the statements describe your dispute. Include any and all documentation to support your dispute when you return the form. Sending Required Documentation to BECU Please be sure your dispute is complete, thorough, and accurate before returning the Mastercard Cardholder Dispute Notification form and your supporting documentation to us. You can return the form and documentation by one of the following: Fax: 206.805.5663 Or mail to: P.O. Box 97050 Seattle, WA 98124-9750 Attn: Card Services What’s Next? We’ll initiate the dispute process with Mastercard once we have the required information (complete dispute form and supporting documentation). We’ll review your submission for completeness, and may request additional information as necessary. You must respond to requests for additional information during the Mastercard dispute process. Within 10 business days from the date we receive notification of your disputed transaction(s), we’ll either resolve your dispute, or issue a provisional credit to your account for the amount of the dispute while our investigation continues. -
Mastercard Frequently Asked Questions Platinum Class Credit Cards
Mastercard® Frequently Asked Questions Platinum Class Credit Cards How do I activate my Mastercard credit card? You can activate your card and select your Personal Identification Number (PIN) by calling 1-866-839-3492. For enhanced security, RBFCU credit cards are PIN-preferred and your PIN may be required to complete transactions at select merchants. After you activate your card, you can manage your account through your Online Banking account and/or the RBFCU Mobile app. You can: • View transactions • Enroll in paperless statements • Set up automatic payments • Request Balance Transfers and Cash Advances • Report a lost or stolen card • Dispute transactions Click here to learn more about managing your card online. How do I change my PIN? Over the phone by calling 1-866-297-3413. There may be situations when you are unable to set your PIN through the automated system. In this instance, please visit an RBFCU ATM to manually set your PIN. Can I use my card in my mobile wallet? Yes, our Mastercard credit cards are compatible with PayPal, Apple Pay®, Samsung Pay, FitbitPay™ and Garmin FitPay™. Click here for more information on mobile payments. You can also enroll in Mastercard Click to Pay which offers online, password-free checkout. You can learn more by clicking here. How do I add an authorized user? Please call our Member Service Center at 1-800-580-3300 to provide the necessary information in order to qualify an authorized user. All non-business Mastercard account authorized users must be members of the credit union. Click here to learn more about authorized users. -
Smart Cards Vs Mag Stripe Cards
Benefits of Smart Cards versus Magnetic Stripe Cards for Healthcare Applications Smart cards have significant benefits versus magnetic stripe (“mag stripe”) cards for healthcare applications. First, smart cards are highly secure and are used worldwide in applications where the security and privacy of information are critical requirements. • Smart cards embedded with microprocessors can encrypt and securely store information, protecting the patient’s personal health information. • Smart cards can allow access to stored information only to authorized users. For example, all or portions of the patient’s personal health information can be protected so that only authorized doctors, hospitals and medical staff can access it. The rules for accessing medical information can be enforced by the smart card, even when used offline. • Smart cards support strong authentication for accessing personal health information. Patients and providers can use smart health ID cards as a second factor when logging in to access information. In addition, smart cards support personal identification numbers and biometrics (e.g., a fingerprint) to further protect access. • Smart cards support digital signatures, which can be used to determine that the card was issued by a valid organization and that the data on the card has not been fraudulently altered since issuance. • Smart cards use secure chip technology and are designed and manufactured with features that help to deter counterfeiting and thwart tampering. • Smart cards can help to reduce healthcare fraud by providing strong identity authentication of patients and providers. The use of secure smart chip technology, encryption and other cryptography measures makes it extremely difficult for unauthorized users to access or use information on a smart card or to create duplicate cards.