Payment Formatting Guidelines
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RSA Adaptive Authentication (Hosted) 11 Programmer's Guide
RSA Adaptive Authentication (Hosted) Programmer's Guide Contact Information Go to the RSA corporate web site for regional Customer Support telephone and fax numbers: www.rsa.com Trademarks RSA, the RSA Logo and EMC are either registered trademarks or trademarks of EMC Corporation in the United States and/or other countries. All other trademarks used herein are the property of their respective owners. For a list of RSA trademarks, go to www.rsa.com/legal/trademarks_list.pdf. License agreement This software and the associated documentation are proprietary and confidential to EMC, are furnished under license, and may be used and copied only in accordance with the terms of such license and with the inclusion of the copyright notice below. This software and the documentation, and any copies thereof, may not be provided or otherwise made available to any other person. No title to or ownership of the software or documentation or any intellectual property rights thereto is hereby transferred. Any unauthorized use or reproduction of this software and the documentation may be subject to civil and/or criminal liability. This software is subject to change without notice and should not be construed as a commitment by EMC. Note on encryption technologies This product may contain encryption technology. Many countries prohibit or restrict the use, import, or export of encryption technologies, and current use, import, and export regulations should be followed when using, importing or exporting this product. Distribution Use, copying, and distribution of any EMC software described in this publication requires an applicable software license. EMC believes the information in this publication is accurate as of its publication date. -
College Students and Credit Card Use in the Twenty-First Century
College Students and Credit Card Use in the Twenty-first Century A thesis presented to the faculty of the College of Arts and Sciences of Ohio University In partial fulfillment of the requirements for the degree Master of Arts Zhong-Wen Li March 2011 © 2011 Zhong-Wen Li. All Rights Reserved. 2 This thesis titled College Students and Credit Card Use in the Twenty-first Century by ZHONG-WEN LI has been approved for the Department of Sociology and Anthropology and the College of Arts and Sciences by Deborah Thorne Associate Professor of Sociology Benjamin M. Ogles Dean, College of Arts and Sciences 3 ABSTRACT LI, ZHONG-WEN, M.A., March 2011, Sociology College Students and Credit Card Use in the Twenty-first Century (75 pp.) Director of Thesis: Deborah Thorne The issue of college credit card use has been studied in the United States for decades. This work explores the differences of credit card use between American and Taiwanese college students sampled at Ohio University and National Hsinchu University of Education in Taiwan. Based on sociological theories and Chinese culture, three variables—stigma of debt, fear of financial risks, and distrust of banks—are proposed to explain different credit card use results from culture. The connection between attitudes toward credit cards and five variables, which are credit card ownership, stigma of debt, fear of financial risks, distrust of banks, and parents‘ suggestions about credit card risks, were tested. The findings suggest that cultural factors—stigma of debt, distrust of banks, and fear of financial risks— and structural/institutional factors—credit card law, financial support from family members, and access to credit cards on campus—contribute to American and Taiwanese college students‘ different attitudes toward credit cards. -
Measuring the Effect of Postal Saving Privatization on Japanese Banking Industry: Evidence from the 2005 General Election*
Working Paper Series No. 11-01 May 2011 Measuring the effect of postal saving privatization on Japanese banking industry: Evidence from the 2005 general election Michiru Sawada Research Institute of Economic Science College of Economics, Nihon University Measuring the effect of postal saving privatization on Japanese banking * industry: Evidence from the 2005 general election Michiru Sawada** Nihon University College of Economics, Tokyo, Japan Abstract In this study, we empirically investigate the effect of the privatization of Japan’s postal savings system, the world’s largest financial institution, on the country’s banking industry on the basis of the general election to the House of Representatives on September 11, 2005—essentially a referendum on the privatization of the postal system. Econometric results show that the privatization of postal savings system significantly raised the wealth of mega banks but not that of regional banks. Furthermore, it increased the risk of all categories of banks, and the banks that were dependent on personal loans increased their risk in response to the privatization of postal savings. These results suggest that incumbent private banks might seek new business or give loans to riskier customers whom they had not entertained before the privatization, to gear up for the new entry of Japan Post Bank (JPB), the newly privatized institution, into the market for personal loans. Hence, privatization of postal savings system probably boosted competition in the Japanese banking sector. JEL Classification: G14, G21, G28 Keywords: Bank privatization, Postal savings system, Rival’s reaction, Japan * I would like to thank Professor Sumio Hirose, Masaru Inaba, Sinjiro Miyazawa, Yoshihiro Ohashi, Ryoko Oki and Daisuke Tsuruta for their helpful comments and suggestions. -
DMM Advisory Keeping You Informed About Classification and Mailing Standards of the United States Postal Service
July 2, 2021 DMM Advisory Keeping you informed about classification and mailing standards of the United States Postal Service UPDATE 184: International Mail Service Updates Related to COVID-19 On July 2, 2021, the Postal Service received notifications from various postal operators regarding changes in international mail services due to the novel coronavirus (COVID-19). The following countries have provided updates to certain mail services: Mauritius UPDATE: Mauritius Post has advised that the Government of Mauritius has announced the easing of COVID-related restrictions as of July 1, 2021, subject to strict adherence to sanitary protocols and measures. On July 15, 2021, Mauritius will gradually open its international borders. However, COVID-19 continues to have a direct impact on international inbound and outbound mails to and from Mauritius. Therefore, the previously announced provisions and force majeure continue to apply for all inbound and outbound international letter-post, parcel-post and EMS items. New Zealand UPDATE: New Zealand Post has advised that the level-2 alert in the Wellington region has ended as of June 29, 2021. Panama UPDATE: Correos de Panama has advised that post offices, mail processing centers (domestic and international) and the air transhipment office at Tocúmen International Airport are operating under normal working hours and the biosafety measures established by the Ministry of Health of Panama (MINSA). Correos de Panamá confirms that it is able to continue to receive inbound mail destined for Panama. However, Correos de Panama is unable to guarantee service standards for inbound and outbound mail. As a result, force majeure with respect to quality of service for all categories of mail items will apply until further notice. -
POSTAL SAVINGS Reaching Everyone in Asia
POSTAL SAVINGS Reaching Everyone in Asia Edited by Naoyuki Yoshino, José Ansón, and Matthias Helble ASIAN DEVELOPMENT BANK INSTITUTE Postal Savings - Reaching Everyone in Asia Edited by Naoyuki Yoshino, José Ansón, and Matthias Helble ASIAN DEVELOPMENT BANK INSTITUTE © 2018 Asian Development Bank Institute All rights reserved. First printed in 2018. ISBN: 978 4 89974 083 4 (Print) ISBN: 978 4 89974 084 1 (PDF) The views in this publication do not necessarily reflect the views and policies of the Asian Development Bank Institute (ADBI), its Advisory Council, ADB’s Board or Governors, or the governments of ADB members. ADBI does not guarantee the accuracy of the data included in this publication and accepts no responsibility for any consequence of their use. ADBI uses proper ADB member names and abbreviations throughout and any variation or inaccuracy, including in citations and references, should be read as referring to the correct name. By making any designation of or reference to a particular territory or geographic area, or by using the term “recognize,” “country,” or other geographical names in this publication, ADBI does not intend to make any judgments as to the legal or other status of any territory or area. Users are restricted from reselling, redistributing, or creating derivative works without the express, written consent of ADBI. ADB recognizes “China” as the People’s Republic of China. Note: In this publication, “$” refers to US dollars. Asian Development Bank Institute Kasumigaseki Building 8F 3-2-5, Kasumigaseki, Chiyoda-ku Tokyo 100-6008, Japan www.adbi.org Contents List of illustrations v List of contributors ix List of abbreviations xi Introduction 1 Naoyuki Yoshino, José Ansón, and Matthias Helble PART I: Global Overview 1. -
International Wire Transfer Quick Tips &
INTERNATIONAL WIRE TRANSFER QUICK TIPS & FAQ In order to effectively process an international wire transfer, it is essential that the ultimate beneficiary bank as well as the intermediary bank, if applicable, is properly identified through routing codes and identifiers. However, countries have adopted varying degrees of sophistication in how they route payments between their financial institutions, making this process sometimes challenging. For this reason, these Quick Tips have been created to help you effectively process international wires. By including the proper routing information specific to a country when processing a wire transaction, you can ensure your wires will be processed correctly. Depending on the destination of an international wire transfer, the following identifiers should be used to identify the beneficiary bank and intermediary bank, as applicable. SWIFT code: Stands for ‘Society for Worldwide Interbank Financial Communications.’ Within the international transfer world, SWIFT is a universal messaging system. SWIFTs are BICs (Bank Identifier Code) connected to the S.W.I.F.T. network and either take an eleven digit or eight digit format. A digit other than “1” will always be in the eighth position. Swift codes always follow this format: • Character 1-4 are alpha and refer to the bank name • Characters 5 and 6 are alpha and refer to the currency of the country • Characters 7-11 can be alpha, numeric or both to designate the bank location (main office and/or branch) Example: DEUTDEDK390 (w/branch); SINTGB2L (w/o branch) BIC: A universal telecommunication address assigned and administered by S.W.I.F.T. BICs are not connected to the S.W.I.F.T. -
Postcom News Archives January 2018 National News
PostCom News Archives January 2018 National News January 28 Bloomberg: Amazon.com Inc. is expanding a service launched to make more groceries, cleaning supplies and other products available for quick delivery directly from merchants without overwhelming the e-commerce giant’s warehouses with additional inventory, according to documents reviewed by Bloomberg. The trial pushes Amazon’s logistical reach beyond its own facilities and into those of its merchants, encroaching on services of long-time delivery partners United Parcel Service Inc. and FedEx Corp. Amazon is enticing the sellers who use the company’s online marketplace with lower delivery costs, logistics software, warehouse inspections and recommendations. Amazon will oversee pickup of packages from warehouses of third-party merchants selling goods on Amazon.com and the delivery to customers’ homes, work that is now often handled by UPS and FedEx. Amazon could still use these couriers for delivery, but the company will decide how a package is sent instead of leaving it up to the seller. Handling more deliveries itself would give Seattle-based Amazon greater flexibility and control over the last mile to shoppers’ doorsteps, let it save money through volume discounts and help avoid congestion in its warehouses by keeping merchandise in the outside sellers’ own facilities. Amazon is recruiting more sellers and has changed the name to FBA Onsite, according to documents reviewed by Bloomberg, associating the program with its popular logistics service Fulfillment By Amazon that launched in 2006. January 27 PostalNews: Millions of Americans utilize USPS on a daily basis, yet the public desire for a Postal Service that serves the common good is trumped by the financial wealth and political power of relatively few owners of large corporations that utilize the Postal Service for advertising purposes. -
Bank Accounts Tge Partners
Document updated November 2017 BANK ACCOUNTS TGE PARTNERS For more information, please visit www.transnationalgiving.eu 1 “ENABLING PHILANTHROPY ACROSS EUROPE” Document updated November 2017 Unfortunately, due to recent jurisdiction, the Stiftung Philanthropie Österreich needs to negotiate with the Austrian fiscal authorities, before transmitting donations from Austrian donors to foreign beneficiaries will be possible. Contact : Eva Estermann – [email protected] – +43 / 1 / 27 65 298 - 13 Günther Lutschinger – [email protected] – +43 / 1 / 27 65 298 - 14 Belgian donors can make their TGE donations on following account: Account holder: King Baudouin Foundation Bank: bpost bank Address Rue des colonies 56 (P28)- 1000 Brussels Account number: 000-0000004-04 IBAN: BE10 0000 0000 0404 BIC: BPOTBEB1 Communication: TGE – “Name organisation” – “Country of destination” Contact : Carine Poskin – [email protected] – +32 2 549 02 31 Ludwig Forrest – [email protected] – +32 2 549 02 38 Bulgarian donors can make their donations on following account: Account holder: Bcause Bank: Unicredit Bulbank Address: 7, St. Nedelya sq. - Sofia 1000 IBAN: BG 54 UNCR 7630 100 711 02 07 BIC: UNCRBGSF Communication: TGE – “Name organisation” – “Country of destination” Contact: Lyudmila Atanassova – [email protected] – +359 2 981 19 01 For more information, please visit www.transnationalgiving.eu 2 Document updated November 2017 Croatian donors can make their donations on following account: Account holder: Europska zaklada za -
Advancing Financial Inclusion Through Access to Insurance: the Role Of
Advancing financial inclusion through access to insurance: the role of postal networks Published by the Universal Postal Union (UPU) Berne, Switzerland and by the International Labour Organization (ILO) Geneva, Switzerland. Printed in Switzerland by the printing services of the International Bureau of the UPU. Copyright © 2016 UPU / ILO All rights reserved Except as otherwise indicated, the copyright in this publication is owned by the UPU and the ILO. Reproduction is authorized for non-commercial purposes, subject to proper acknowledgement of the source. This authorization does not extend to any material identified in this publication as being the copyright of a third party. Authorization to reproduce such third party materials must be obtained from the copyright holders concerned. AUTHOR: Guilherme Suedekum TITLE: Advancing financial inclusion through access to insurance: the role of postal networks ISBN: 978-92-95025-84-4 DESIGN: UPU Graphic Unit CONTACT: Nils Clotteau, UPU, [email protected] Craig Churchill, ILO, [email protected] COVER PICTURE: © 2009 Indian Post This study is the result of a joint effort between the International Labour Organization (ILO) and the Universal Postal Union (UPU). It was prepared by Guilherme Suedekum, financial inclusion independent consultant, with the guidance and advice of Craig Churchill, team leader of the ILO’s Impact Insurance Facility, and Nils Clotteau, Acknowledgements Partnerships and Resource Mobilization Expert at the UPU. The team is especially grateful to Dauren Turysbekov, Director of the Department of External Affairs at Kazpost, Michel Kabré, Director of Financial Services at SONAPOST, Titus Juma, Director of Payment Services at the Postal Corporation of Kenya, M’hamed El-Moussaoui, Assistant Director General of Al Barid Bank, and Rajagopal Krishnaswamy, Managing Director at Professional Life Assurance. -
Japanese Political Parties
JAPANESE POLITICAL PARTIES Lecturer: Masayo Goto, PhD 1 Ruling and opposition RULING COALITION z Liberal Democratic Party (LDP) – largest ruling party z New Komeito (Clean Party) OPPOSITION z Democratic Party of Japan (DPJ) – largest opposition party z Social Democratic Party of Japan (SDP) z Japanese Communist Party (JCP) 2 Strength of Political Groups in both houses Before election After election HOR HOC HOR HOC Liberal Democratic Party 212 114 296 112 New Komeito 34 24 31 24 (Ruling coalition in total) (246) (138) (327) People’s New Party (LDP rebels) (Kokumin shinto) 4 - 4 3 New Party Japan (LDP rebels) (Nippon) 3 - 1 Independent rebels 30 - 13 Democratic Party of Japan and Club of Independents 175 84 113 82 Japanese Communist Party 9 9 9 9 Social Democratic Party 6 6 7 6 Independents 4 5 6 5 Vacancy 1 3 MEMBERSHIP 480 242 480 242 Liberal Democratic Party z Established in November 1955 through the merger of the Liberal Party and the Japan Democratic Party z The LDP held uninterrupted power in Japan from 1955 until 1993, when it briefly lost government to an eight-party coalition z The LDP returned to power in June 1994 as the major partner in a coalition with the Social Democratic Party of Japan (SDP) z Since 1998 it has strengthened its position in the Diet by forming a coalition with New Komeito z The current party president is Prime Minister Junichiro Koizumi. He was elected as party president in 2001. z The party will celebrate the 50th anniversary of its founding in November 2005 5 New Komeito Komeito originally formed in 1964 the political wing of Soka Gakkai Komeito merged with other parties in 1994 to form the New Frontier Party, but split off again and eventually joined with the New Peace Party in 1998 to become New Komeito. -
Pdf] 13713–13714 [2013–04612] [Text] [Pdf]
Association for Postal Commerce "Representing those who use or support the use of mail for Business Communication and Commerce" "You will be able to enjoy only those postal rights you believe are worth defending." 1800 Diagonal Rd., Ste 320 * Alexandria, VA 22314-2862 * Ph.: +1 703 524 0096 * Fax: +1 703 997 2414 Postal News from February 2013 February 28, 2013 PostCom Members!! The latest issue of PostCom's PostOps Update has been posted on this site. In this issue: • At the Heart of it All: IMb • USPS Working to • USPS Needs to Update Outdated Strategies Improve “By/For” • USPS Adds RIBBS Feature to Show Updated Files Tools and Guides • Questions/Concerns on USPS’ 5-Day Mail/6-Day Packages Delivery Plan • Mail Owner • USPS Web Page on Delivery Schedule Plan Definition Still in • Is “Dynamic” the new “Seamless”? Limbo • Perpetual Network Optimization • Who’s On First? • Mail Direction File Enhancements on Network Consolidations • Pulse of the Industry • Few Industry Issues with USPS’ Network Optimization Effort • FSS Tidbits • Time to Review Service Standards? • USPS Says it is NOT • USPS Looking for 2014 Promotions Feedback/Ideas Going Into Clothing • USPS and Industry Discuss Structured Release Cycle 2014 Business • • USPS Readies IT Systems for Jan 2014 IMb Full-Service Requirement USPS Continues FSS Modifications • IMb Tech Credit: Customer Notifications and PRC Filing in March • • eInduction Still Slated for July 2013 More Information on the Joint USPS/ • USPS Doing Deeper Data Dives Industry Prep & • USPS Working to Reduce MDA Performance Issues Entry Group • Folded Self-Mailers Clarifications Continue • MTEOR Update • MIDs/CRIDs Process Enhancements to Come • Communications During Emergency Situations – New MTAC Workgroup • Short Notes from the First-Class Mail Focus Group • How Long to Keep eDoc Files? • New MTAC The linked image cannot be displayed. -
IBAN Formats by Country
IBAN Formats By Country The kk after the two-character ISO country code represents the check digits calculated from the rest of the IBAN characters. If it is a constant for the country concerned, this will be stated in the Comments column. This happens where the BBAN has its own check digits that use the same algorithm as the IBAN check digits. The BBAN format column shows the format of the BBAN part of an IBAN in terms of upper case alpha characters (A–Z) denoted by "a", numeric characters (0–9) denoted by "n" and mixed case alphanumeric characters (a–z, A–Z, 0–9) denoted by "c". For example, the Bulgarian BBAN (4a,6n,8c) consists of 4 alpha characters, followed by 6 numeric characters, then by 8 mixed-case alpha-numeric characters. Descriptions in the Comments field have been standardised with country specific names in brackets. The format of the various fields can be deduced from the BBAN field. Countries that are planning to introduce the IBAN are shown in italics with the planned date of introduction in bold. BBAN Country Chars IBAN Fields Comment Format b = National bank code s = Branch code Albania 28 8n, 16c ALkk bbbs sssx cccc cccc cccc cccc x = National check digit c = Account number b = National bank code Andorra 24 8n,12c ADkk bbbb ssss cccc cccc cccc s = Branch code c = Account number b = National bank code Austria 20 16n ATkk bbbb bccc cccc cccc c = Account number b = National bank code Azerbaijan 28 4c,20n AZkk bbbb cccc cccc cccc cccc cccc c = Account number b = National bank code Bahrain 22 4a,14c BHkk bbbb cccc cccc cccc