Debit Card

Debit Card
DEBIT CARD IN INDIAN ECONOMY A Debit Card is personal card provided to the customers by the Bank to enable the card holder to withdraw
money or to have the cost of purchases charged directly to the holder's bank account. A debit card (also known as a bank card or check card) is a
plastic card that provides the cardholder electronic access to their bank account at a financial institution. Some cards have a stored value with which a
payment is made, while most relay a message to the cardholder's bank to withdraw funds from a payee's designated bank account. The card, where
accepted, can be used instead of cash when making purchases. In some cases, the primary account number is assigned exclusively for use on the
Internet and there is no... Show more content on Helpwriting.net ...
| |7.10 France | |7.11 Germany | |7.12 Hong Kong | |7.13 Hungary | |7.14 India | |7.15 Indonesia | |7.16 Iraq | |7.17 Israel | |7.18 Italy | |7.19 Japan | |7.20
Kuwait | |7.21 Malaysia | |7.22 Netherlands | |7.23 New Zealand | |7.24 Philippines | |7.25
... Get more on HelpWriting.net ...

Credit Debit Card And Debit Cards
Before credit and debit cards were developed, merchants would issue a line of credit to customers who did not have the funds to purchase their items.
This credit processed involved using a ledger to record the amount owed for the items purchased. In today's vastly growing economy, credit and debit
card use plays an ever–present role in society. "Credit and debit card acceptance enables merchants to sell goods and services to customers who
increasingly choose electronic forms of payment over other payment types" ("Payments 101", 2010). Everything from purchasing house hold items
such as grocery's and furniture, to minimal tasks such as paying for parking for an hour, credit and debit cards provide people with more freedom
when it comes to having access to funds and making purchases. Along with the rise of credit and debit cards, in a computerized and technological
world where information is valuable, securing credit card information has its challenges. Validation and encryption are important practices that ensure
the security of debit and credit cards, and they play a key role in providing the customer with assurance that their funds and bank information is
confidential and secure. This paper will begin by explaining how credit and debit transactions take place and will go into further detail about the
security, validation, and encryption processes that take place throughout the transaction. For the purpose of this paper the term credit cards will refer to
both credit and

Benefits Of The Corporate Card Program Essay
1.1Overview
Commercial Metals Company currently uses a Corporate Card Program for Travel and Entertainment expenses. The Corporate Card Program also
provides an efficient, cost effective method of purchasing and paying for small dollar transactions or low value purchases (LVP) using the same card.
This policy provides information about the process, the types of purchases that can and cannot be made, records that must be maintained and reconciled
and a variety of other Program information.
Benefits of the Corporate Card Program include:
Items can be purchased without preparing a purchase order
Reduces process cost
Increases process efficiency (i.e. many one–time vendors will not be added and required to be maintained)
Reduces time needed to obtain goods
Only eligible business expenses may be charged to the Corporate; personal purchases are prohibited. All Corporate transactions must be supported by a
business purpose and all transactions must be reviewed by a person other than the cardholder. Improper use of the Corporate Card may result in
disciplinary action up to and including termination of employment.
Cardholders who have incurred charges must submit an expense report, similar to the Travel and Expense process, through the company approved
expense reporting tool, Concur Expense within 30 days. All expense reports are to have appropriate manager approval. Further, CMC is relying on the
independent approver's (supervisor/manager) diligence in the

Question and Answers on Internet
1.In HTTP there are POST requests and GET requests, explain the difference(s) and why one is slightly more secure than the other. Solution: 1.1
Difference (1) GET is typically used to retrieve data from server that doesn't change anything on the server. POST is used to send data to server
that somehow causes a change in the state of server, such as inserting data in a database. (2) On client side, GET uses URL to submit data and the
data will be seen in URL. To submit data, POST puts data in HTML HEADER. (3) For GET, the server uses "Request.QueryString" to get the value
of variables. For POST, the server uses "Request.Form" to get the data submitted. (4) GET usually transfers small amount of data, while POST can
transfer relatively larger amount of data. 1.2 Why one is slightly more secure than other POST is slightly more secure than GET, because using GET,
parameters will be seen in the URL, while using POST, parameters are hidden from view. 2.Explain why certificate authorities are important to HTTPS
/SSL. In your answer, describe the underlying problem certificate authorities are meant to solve. Solution: 2.1 Why important Certificate authority is
the trusted third party that is trusted by both the owner of the certificate and the party relying upon the certificate in e–commerce. It confirms an
organization's identity and certifies the ownership of public keys. Certificate authorities are crucial to HTTP/SSL because if the CA can be subverted,
then the

Advantages Of Debit Card
Debit Card
A debit card is a plastic recompense card that can be used instead of cash when making purchases. It is similar to a credit card, but unlike a credit card,
the money comes directly from the user's bank account when performing a transaction.
Some cards may have a stored value with which a payment is made, while most send a message to the cardholder's bank to withdraw funds from a
payer's selected bank account. In some cases, the primary account number is assigned solely for use on the Internet and there is no physical card.
The development of debit cards, unlike credit cards has generally been country specific resulting in a number of different systems around the world,
which were often mismatched. Since the mid–2000s, a number of initiatives have ... Show more content on Helpwriting.net ...
Once you open an account most banks will issue you a debit card upon request.
Ease. Purchases can be made using a chip–enabled terminal or by swiping the card rather than filling out a paper check.
Portable. You don't have to carry cash or a checkbook.
Readily accepted. When out of the country, debit cards are usually widely accepted.
Disadvantages of a Debit Card
No grace period. Unlike a credit card, a debit card uses funds directly from your checking account. A credit card allows you to borrow funds on credit,
leaving disposable cash in your account.
High Fees. Using your debit card for ATM transactions may be costly if the ATM is not affiliated with your institution.
Some Guidelines
Guard your debit card against loss or theft. Keep it in a safe place just like cash, credit cards or checks.
If you lose your debit card, notify your bank immediately.
Choose a PIN number that only you know. It is recommended, you don't use your phone number or birthday.
Protect your PIN number. Memorize it and never write it on anything you keep with you.
Record transactions.
Analyze your statements immediately and investigate any unknown

Easiest Procedure For Verifying Account Related Details Of...
Easiest Procedure To Verify Account Related Details Of Citibank
Even in the presence of technological advancements, if you depend on anyone to know about your bank account related details, it is not really
good. Yes, if you are customer of Citibank, initially you need to register your mobile number as it is the initial step to access online account details
retrieval. Yes, as soon as you create account, you are said to obtain eligibility to access net banking. As a customer of Citibank, you can access to
SMS banking. SMS banking allows one to get multiple details through online in addition to availing facility to check account balance. As a result, you
will become eligible to retrieve one time password, to check reward points and also to request for cheque book.
What Is The Mobile Number?
One has to send SMS to 9880752484 to get details.
What Are The Advantages Of SMS Banking?
People have to initially know about benefits of SMS banking so that, they will come to use those services.
Advantages:
SMS banking will provide one to request bank details through mobile independent of time and location.
It is really easy
It requires SMS facility on your phone.
What Are The Differences Between Citibank and others?
In order to start accessing to SMS banking, one has to proceed with initial registration under bank. But as a customer of Citibank, you are very lucky
as you no need to register initially.
What Are The Available Services?
Among number of services, people have to

The Impact Of Internet On Its Day Today Happenings
Abstract:
In this 21st century the Internet has made revolutionary impact on all aspects of human life. Out of all, banking operations have greater impact of ICT
on its day–today happenings. An e–cash payment system is one of the evidence of impact of internet and information Communication technology
jargons. In this process a consumer/client opens an account with the banking organization or other which could give and receive money in the digital
coins form. In the case client 's account is deposited in the form of real money, as it is attached to the client 's checking account in reality.
Introduction:
An E–cash or Electronic cash is a kind of system which permits a consumer (person) to make payment for objects/goods or services by a ... Show more
content on Helpwriting.net ...
Thus an E–cash or electronic cash is digital money that is used for online purchasing. To perform e–cash transactions, users need specific software on
his/her PC to enable him/her to download money from their bank account into their cash wallet on their PC. In the process of buying, customers
perform an exchange with the downloaded money with the vendor for the product they make a purchase. The vendor afterwards redeems the sought
money in a bank which accepts e–cash deposits ref:. www.webopedia.com
An E–Cash is a term that indicates a kind of a storage of a value and exchange concept used and created by a person which don't make use paper
documents or coins for buying services. This type of system may work as an alternative means for government–issued physical currency notes and
coins.
Process Of E–Cash
In an e–cash transaction the consumer is required to download and install a software called electronic wallet on his/her computer (PC). So, as to get
Digi Cash, an electronic wallet is used by consumer to create digital coins, and thus, these created coins are sent to the bank to get signed. And after the
coins are signed, the equivalent amount of money is withdrawn from the person's (customers) account of concerned bank. In case of when the person
interested in making a purchase, he/she supposed to send signed digital coins to the Vendor. On

Companies That Exist Within The Banking Industry Essay
1.Competitors
There are over 46 companies that exist within the banking industry. Citigroup, Wells Fargo, Bank of America, J.P Morgan Chase and several others.
The competitors are relatively equal in size, however, they have different ranging revenues. The four major competitors consist of Citigroup,Bank of
America, J.P Morgan Chase, and Wells Fargo. Revenues for Citigroup Inc. were reported at $76 billion in 2014,Bank of America was reported at $100
billion, and $96 billion for J.P Morgan Chase. Wells Fargo lags behind with $26 billion in revenues. Each banking company had roughly around
200,000 employees. Another competitor includes the Commercial Bank of China with revenues totaling $2.8 billion. Each bank has an average of $2
billion in assets, so not one bank has more than the other.
The banking industry has the least amount of growth compared to other industries. However, according to Deloitte (a highly established accounting
firm) the industry could grow within the next 10 years if they strategized and added possible advantages such as; sustainable technology, a new design
for service experiences, and building customer relationships. Sustainable technology can be described as mobile banking, pictured deposits of checks,
and several other mobile capabilities. Artificial intelligence and block chain technology has been thought of as a new design for service experiences.
Block chain technology would allow for all transactions that occurred within the banking

Social Engineering Is A Powerful Tool Used By Cyber Criminals
It is the manipulation of people through deception, lies, fabricated story and tricks. They influence and persuade people to obtain information with or
without the use of technology. Social engineering is a powerful tool used by cyber criminals' especially on seniors because of their level of trust.
They aim at collecting your confidential information and later use it against you. Password, Account number – credit card, debit cards, employee ID,
and full name, date of birth, email address, social insurance number, driver license number and telephone numbers are normally collected
Knowing the person you are dealing with, and the tactics they use is important to overcome them, that is why user awareness and education is critical
Common methods used
Phishing: The practice of sending you emails with a link appearing to be from a reputable source. Be vigilant and do not to be deceived by the content.
For example the content will read like "Visit the web site indicated in the email and verify your personal banking information". They use this method to
collect confidential information from you.
Do not respond to emails unknown to you or you are not aware of especially unsolicited mails. Do not open an attachment unknown to you or click on
a link when asked by an unknown person, always think twice and be diligent. Look at the email address, domain name, the salutation and the language
used in the mail and the urgency required, before deciding to act as most of these are from

Disadvantages Of Credit
Credit cards slowly and steadily have become convenience of modern society and a symbol of a developing modern global economy. They let you
shop on credit and save you from the troubles of searching for an ATM or keeping cash on hand. Also, additional benefits of credit cards such as
special offers and reward points are can make shopping fun and also helps banks attract new customers.
The convenience of the transactions along with these benefits is why more and more people are inclined to obtain and use credit cards from their
respective banks. However, they often find themselves in a dilemma of which credit card to choose as every bank offers a wide range of cards designed
for specific needs.
ICICI Bank is an Indian multinational bank headquartered ... Show more content on Helpwriting.net ...
International travel: Travel aboard and increase the points by using ICICI Bank credit cards.
Automatic bill payment: Pay your recurring bills like utility payments through your ICICI Bank Credit Card to earn more points.
Supplementary cards: Earn ICICI credit card rewards faster by sharing the privileges and benefits of your account. You can gift up to 2 Supplementary
Cards to your family members above 18 years of age.
Frequently asked questions (FAQs):
1.)How to earn reward points by using SBI credit cards?
The reward points earning rate will vary depending on the type of credit card a customer is holding. There are certain steps you need to follow:
пѓ Choose your card type
пѓ Click on terms and condition
пѓ Click on shop and smile reward points
2.)When does the point reflect in customers rewards account?
It usually takes 24–48 hours once you have made a transaction using your ICICI Bank Credit Card for your reward points to reflect in cardholders
rewards points balance. they can view the rewards earned for all transactions in the previous billing cycle in your monthly credit card

Advantages And Disadvantages Of E Banking
2.4 Advantage and Disadvantage of E–Banking:–
The electronic banking has various advantages than the traditional banking system which is simple and convenient for the users. The advantages are–
(i) Electronic banking is easy to open and operate by general people. (ii) One can easily pay their bills and transfer their money without any
problem. Because of this people don't have to stand in long queue and keep their receipt safely as transactions are viewed by the person at anytime.
(iii) The electronic banking is available at anytime because it is open 24 hrs. People can access their account from anywhere and the night time and
holidays also. (iv) The e–banking is fast and efficient and people ... Show more content on Helpwriting.net ...
In this system security parameters were embedded to ensure that credit card numbers are replaced with other numbers termed First Virtual Personal
Identification Number. A person's account was not charged till e–mail verification was obtained from the person confirming the purchase.
Cyber Cash:– Cyber cash is a payment method that makes use of encryption technology in transferring credit card information. It uses unique
programmes called as a "cyber cash wallet software programme." A customer would register with cyber cash and be allotted a wallet ID and a password
connected with one credit card. E–merchant sets up an account with the bank that accept a payment transaction using cyber cash and the bank approves
or denies a transaction in an encrypted from the merchant.
Digi Cash:– The Digi Cash system is generally used for micro payments. Digi cash provides for safe account system to avoid misuse of sensitive data
of customer when they make payments online. This system is no more being used.
Mondex:– Mondex initially applied to the offline world and slowly shifted its base to online transactions. It is a chip card based system that applies to
card transfers of money and invalidates spoofing request to transfer money. This system is similar to the e–cash system wherein funds are stored in the

Essay Dinner at My Place
Every year on Halloween; my favorite holiday, I had a very special dinner party. It looks like it was that time of the year again. So I pulled out my
phone book and decided to invite a couple of people over. After putting lots of thought into it, I decided to invite three people: Jesse Berst, Molly
Masland, and Julia Walker. Now these three people aren't just any three people. They all have something in common; they know about about online
shopping. They are all some type of reporter and have written articles about online shopping. Jesse Berst is and he did a report called "Online
Shopping, The Safe Way;" which teaches some great tips on how to shop carefully.Molly Masland is also a reporter and her story/article was called
"The Dark ... Show more content on Helpwriting.net ...
Of course everyone loves cheese, you can't go wrong with cheese. As for dinner, now that took a little more brainstorming. In the end I concluded that
everyone loves chicken. I had it prepared in a nice creamy sauce and of I had plenty of vegetables. You never know when I vegetarian such as myself
would show up.
Just as I had finished setting things up, the doorbell rang. Jesse Berst was the first to show up; being the new reporter that he is he is always very
punctual. Of course he was dressed in his usual suit and tie. His white hair was neatly combed back and he had a bottle of wine in his hand. "Here
you are," he said politely. After the many thanks and "oh's" and "ah" over the wine I ran to the kicthen to put in refrigerator. Just as I was walking
back to the living room the doorbell rang again. This time it was Julia Walker. She was wearing a simple long black dress and had no jewerly on
except a sivler watch that matched her earings. She was very tall and slender, almost as tall as Mr. Berst. Just as I was about to introduce them
Molly Masland peeked in through the still slightly opened door. "Howdy there," she joyful said like the typical souther woman that she was. She
wore a a pastel colored evening dress with white shoes of course. " I made ya'll some of my simply delicious peach cobbler," she said as she handed me
her container.
We all smiled at her smooth and gentle southern accent. "Why, it's not everyday we get to hear such a beautiful

Characteristics Of My Zone Credit Cards
64. Axis Bank My Zone Credit Card
Axis Bank offers a range of credit cards to their customers. You do not need to hold a savings or current account with Axis bank to apply for an
Axis Bank credit card. To reward the customers for using their credits cards, Axis Bank also has a reward program known as the eDGE Loyalty
Rewards Program. The customers receive reward points for every purchase they make using their Axis Bank credit card. They can accumulate the
reward points and redeem them by choosing products from the eDGE Loyalty Reward Catalogue. Different cards offer different benefits for instance,
some cards such as the Axis Bank My Zone credit card offer more points for shopping using the credit card than others.
Some of the special features of Axis Bank credit cards include:
пѓ Insurance benefit
пѓ Premium card
пѓ Free Credit period up to 50 days
пѓ Cash Back facility
пѓ Personalised photo
пѓ Up to 100% cash withdrawal
пѓ Nil ... Show more content on Helpwriting.net ...
Here are a few features of the Axis Bank My Zone credit card:
Add–On Cards: One of the best features of the Axis Bank My Zone Credit Card is that the cardholder can authorise his loved ones to make purchases
on his account with the help of one or more add–on cards. Family members above the age of 18 including parents, spouse, children, and siblings are
eligible to get an add–on Axis Bank My Zone credit card. In fact, you will earn 100 eDGE loyalty reward points on the issuance of your first add–on
My Zone credit card.
Cash Back: The Axis Bank My Zone credit card comes with a 25% cashback offer on movie ticket purchases at box office or online bookings. The
credit cardholder can get annual cash back up to Rs. 1000 every calendar year (January 1 to December 31). The credit card is billed with the complete
transaction amount during the transaction and the cash back appears as an entry in the account

Credit Card : A Common Of Banking Scenario
Introduction
Credit Card frauds have become very common in banking scenario. Fraud preventions are critical to continue the confidence of the credit card
customers. As it is very important to hold the confidence of credit card customers, credit companies had started educating the customers regarding the
wide varieties of these frauds. This paper briefly deals about the issues related to credit card, its evolution, various methods of usage and ways to
minimize the risk of credit card frauds. Visa misrepresentation on a little scale frequently happens in restaurants or other administration commercial
enterprises, where a tip is given. It is essential to check your credit card receipts with your announcements to guarantee that you were not ... Show more
By the 1940s, popular restaurants and dance club offered their Master cards that could be used just at the specific business foundation. (Biegelman,
2009) In 1946 by John Biggins, a broker in Brooklyn, as indicated by Credit card of primary bank card, named "Charg–It", At the point when a
customer used to buy with the card the bill is sending to Biggins ' bank. Bank repays to the storekeeper and got installment from the customer. There is
a link in that scenario as Charg–It cardholders needed to have a record at Biggins ' bank. Later in 1951, the first charge card in New York 's Franklin
National Bank for credit customers. It can also be used by the holders who are having account in the bank. Numerous different banks additionally
began issuing their Visas around this time. In 1958, American Express got into the Visa business and its card rapidly developed in prominence, it
organized its Bank America card and offered a turning credit account. It began a conflict of sending natural Credit cards to individuals in California to
develop its client base. At the time, banks could work together just in the state where they had their sanction. This understanding worked out as
intended in 1966, and the using of credit cards developed as millions more joined. Likewise in 1966, an alternate gathering of banks made a bank
agreeable and named it the Interbank Card Association, to rival Bank America card. In 1969, this gathering obtained the rights to utilize the name Master

Data Security Policy For Ecommerce Payment Card Applications
Data Security Policy for ecommerce Payment Card Applications
This record depicts the IT Security and IT Services strategies and practices for overseeing IT Services ' stage for University–facilitated ecommerce,
particularly installment card transactions, and the information identified with ecommerce. This arrangement is proposed to consent to the necessities
of the Payment Card Industry Data Security Standard ("PCI DSS"). The PCI DSS is incorporated by reference in this; be that as it may, IT Security will
be the sole determinant of how PCI DSS ' necessities will be connected inside IT Services ' operations. This report will be yearly evaluated and
upgraded as proper to keep up agreeability with the PCI DSS.
For the reasons of this report, the ecommerce base comprises of the processing assets (i.e., servers, stockpiling, system and capacity switches, firewalls,
physical racks containing these, and related programming) that process, transmit, or store installment card information, or can straightforwardly get to
such assets. Servers that are a piece of the ecommerce foundation and any frameworks that can generally specifically get to processing assets that
contain installment cardholder information must be enlisted as directed machines.
ROLES AND RESPONSIBILITIES
College faculty who access data assets that transmit, process, or store installment card information are in charge of the application of this and related
approaches. On account of foremen who oblige such get

Technological Innovation in Indian Banking Sector вЂ“ Use of...
International Journal of Management and Strategy (IJMS) 2011, Vol. No.II, Issue II, January–June 2011 http://www.myresearchpie.com/ ISSN:
2231–0703 TECHNOLOGICAL INNOVATION IN INDIAN BANKING SECTOR– USE OF IT PRODUCTS Dr. Kanhaiya Singh, Professor, Fore
School of Management, New Delhi,India Dr. U. S. Pandey, Associate Professor University of Delhi, New Delhi, India Priya Gupta, Asst. Professor,
SSCBS, University of Delhi, Research Scholar, BIT(Mesra) Ranchi ABSTRACT Transformation is taking in Indian banks from all verticals, and subtle
and not – so – subtle makeovers in banking products are dynamically altering the face of banking. The research paper focuses on the way
transformation is affecting the banking sector and the way use of... Show more content on Helpwriting.net ...
Hence these changes were not the outcome of internal changes but of external changes. Deregulation has opened up new opportunities for banks to
increase revenues by diversifying into investment banking, insurance, credit cards, mortgage financing, depository services, securitization, etc. Now all
the banks have started with the concept of multi– channels, like ATMs, credit cards, debit cards, telephone/mobile banking, internet banking, call
centers, etc. The role of banking is redefined from a mere financial intermediary to service provider of various financial services under one roof acting
like a financial supermarket. International Journal of Management and Strategy ISSN: 2231–0703 International Journal of Management and Strategy
(IJMS) 2011, Vol. No.II, Issue II, January–June 2011 http://www.myresearchpie.com/ ISSN: 2231–0703 Forces for change in Indian Banking:
Underlying forces for change Developments in communication systems, coupled with blurring of differences between banks and non – banks and
globalization have aggravated the competitive environment. Technology became a key differentiator for the new private sector banks. The
technological superiority helped these private sector banks to have upper edge over public sector banks. The traditional source of income (Net Interest
margin = Interest Earned – Interest Expended) was compressed due to the pressure of competition. As a

Social Engineering Is A Powerful Tool Used By Cyber Criminals
Social Engineering
It is the manipulation of people through deception, lies, fabricated story and tricks. They influence and persuade people to obtain information with or
without the use of technology. Social engineering is a powerful tool used by cyber criminals' especially on seniors because of their level of trust.
They aim at collecting your confidential information and later use it against you. Password, Account number – credit card, debit cards, employee ID,
and full name, date of birth, email address, social insurance number, driver license number and telephone numbers are normally collected
Knowing the person you are dealing with, and the tactics they use is important to overcome them, that is why user awareness and education is ... Show
more content on Helpwriting.net ...
Protection against Social Engineering
Never give confidential information through emails, phones or to unknown person
Don't click on a website unknown to you or download or open email attachment from unknown senders.
Before clicking on links in emails and on websites watch for misspellings, @ signs and suspicious domain names.
Make it a habit to periodically check your bank statement to see if they are anomalies or fraudulent transactions.
Use a strong password and personal verification questions.
Reject requests for online tech support from strangers no matter how legitimate they may appear
Avoid being greedy on the web for offers you have not made or responding to any offers made over the phone or via text messages.
Pay attention to website URL. Sometimes online fraudsters make slight changes to URLs in order to direct messages to their own spoofed sites
Secure your computer with anti–virus software and regularly update software and operating systems
Verify that a lock icon is on your browser address bar when submitting payment or confidential information.
Always shred and/or destroy prior to disposal sensitive and confidential information you do not need.
Be suspicious of unsolicited emails
Be cautious in situations where a party refuses to provide basic contact information
Verify incoming checks and ensure clearance prior to transferring any money by wire
Establish call–back procedures to clients and vendors

Advantages Of Axis Bank Credit Card
Many people in India seem to prefer getting Axis Bank Credit cards these days. One of the main reasons behind this might be the amazing benefits
and rewards that Axis Bank offers on its credit cards or the availability of a large range of credit cards to choose from based on personal requirements.
Likewise, Axis Bank offers a range of payment methods, both online and offline, to its customers to pay theircredit card bills. This flexibility makes it
easier for customers to clear their credit card dues on time.
You can pay your credit card bills using net banking whether you hold an Axis Bank account or not. You have the option of going online from any
part of the world and making the credit card bill payment. However, if you like to make the payment through cheque or cash, you can do so easily as
well.
Modes of Axis Bank Credit Card Bill Payment ... Show more content on Helpwriting.net ...
Some of the major ways to make the Axis Bank credit card bill payment are mentioned here.
Cash: If you like to pay your bills in cash, you can do the same to clear your Axis Bank credit card dues. Just visit an Axis Bank branch to make the
cash payment. A nominal Service Fees of Rs. 100 is levied per transaction. The amount is cleared on the same day.
Cheque: You can pay your credit card dues by depositing a cheque in favour of Axis Bank Card Number with your credit card number at an Axis Bank
branch. The cheque payment from an Axis Bank account takes one working day while a cheque payment from any other bank takes 3–5 days to reflect
in your account.
ATM/Debit Card: You can pay your credit card bill by using the ATM/Debit card of your Axis Bank account at any of the Axis Bank ATM. You need
to go to the "Other Services" tab from the main screen and choose "Bill Payment" option. Enter your credit card number and make the payment. The
bill payment is cleared on the same

Weaknesses Of Alpen Bank
Strengths
This is analyzed from the case analysis that AlpenBank is having a lot of strengths which provides it competitive advantage over its competitor in the
market of Romania. The bank has gained high recognition in the European and American countries which is its key strength for further moving in
Romania. Moreover, it is also serving in the western area so it will not be difficult for bank to establish introduce credit card system in Romania. The
vast experience of management in the banking industry is also considered as the key strength for Alpen Bank. Another major strength of Alpen is that
bank is having loyal affluent customers which will help to enhance the sales of credit cards in Romania. Alpen Bank is working from last two decades
... Show more content on Helpwriting.net ...
Many multinationals have utilized the benefits of these relations and penetrate the market of Romania. So, these multinational companies need of
banking services and Bank Alpen can provide them premium level banking services which will be included with the issuance of credit cards. These
large multinational goes through hundreds of financial transactions every day so they can play a significant role in the success of Alpen Bank in
Romania. Therefore, these multinational organizations are also considered as the key political opportunities for

Pasco Sheriff's Office: Case Study
On 08/17/2016, I spoke with Elsie Garcia in the District II Lobby of the Pasco Sheriff`s Office in reference to fraudulent use of her personal
identification. A Credit One Bank credit card account number 4707930511043438 was opened in her name without her knowledge or permission.
Ms. Garcia advised she received correspondence dated 07/24/2016, from Credit One Bank providing her with the PIN number for new credit card. She
said she responded to Credit One Bank in writing on 08/02/2016, that she did not apply for, nor, did she receive a Credit One Bank credit card.
Ms. Garcia stated that she received correspondence dated 07/27/2016 and 07/28/2016 from Credit One Bank acknowledging her change of address
request to 7839 Blackhill

Essay on Who Can Stop Credit Card Abuse
Credit cards have become such a familiar feature of the life style in the world that it is difficult to imagine a consumer economy functioning without
them. The credit cards are nowadays the most convenient of all types of payments. The boom of the credit card industry has affected everyone in the
world of the "plastic money". That was the name given to the credit card right after it was invented. Nowadays, the "plastic
money" occupies a very important place in the economy of the country. "Settlements indicates that the number of credit cards in circulation
increased 34 percent between 1988&#8230;.. The data also show that the value of credit card transactions increased 98 percent during the same
period" ... Show more content on Helpwriting.net ...
They could be used only on a very low level. "The use of credit cards by retailers began in 1914" (Lewis, 1990). Since that date there
was an inconceivable growth of credit card production. Prior to World War I, few hotels, oil companies and department stores issued credit cards.
Then in 1931 the airline companies introduced the credit cards in their business (Lewis, 1990). The evolution and the expansion of the card went lide
the speed of light. The most important step was the introduction of the credit card to the Internet in the 90's. Today, Web servers enable payments by
credit card. A credit card transaction over the Internet is one of the most common types of payment. If a merchant has an account with a merchant
bank that offers Internet credit card processing, he would be able to accept credit card payment over the Internet (http://search.netscape.com).
"There was an increase of $78 billion over 1994, in just one short year. We've been tracking it since 1980, and we've never seen that kind of
increase before." (Glenn, 1984, pp.857–68).
What are the reasons that explain the fast increase of the use of the credit cards? As one reason that might explain the phenomenon, some people may
think that carrying a credit card is much easier than having cash or a checkbook in their wallets or purses. There is no doubt that the "plastic
money" doesn't bother in a wallet or a purse because of its tiny size.
Another reason that

Disadvantages Of Investment Banks
1) What are Investment Banks?
Investment banks are used as business middlemen and underwriters. Investment banks will calculate the risk of an action that a company wants to
perform, underwrites it, and sells the safety. Indeed, investment banks are useful, but they have many other uses. Investment banks can also be used as
M&A advisors, helping the buyer find an ideal company to merge with. Investment banks also sale security and investors such as mutual funds use
investment banks to trade security. People can now open checking accounts with investment banks. JP Morgan offers checking accounts, something
that wasn't possible 20 years ago. Finally, the investment bank industry took a big hit in 2008, and the industry hasn't really recovered ... Show more
ATMs are a common EFT service. Direct deposits are another service that allows companies to perform direct transactions on one's account, such as
gym or membership fees. There are many other types of EFT available for consumers. However, before one signs id EFT service contract, one should
at first receive a summary for one's liability for unauthorized transfers, phone number and contact information in case an unauthorized transfer is made,
type of transfers one can make, instructions on how to report errors on receipts for one's EFT or one's statement, a summary of the institution's liability
if it doesn't stop from charging, circumstances when the institution will share one's information with third parties, and fees one will have to pay when
using another bank's ATM. Different rules apply to deposit accounts with preset transfers. If a missingcredit card is reported stolen within two days, any
charges greater than $50 won't be charged for. If one cannot report a stolen card because he or she is sick, the term will be extended. If I were to lose
my credit card but I fall sick due to chickenpox, I will need to be given a longer term to report my missing credit

Credit Card Epidemic Essay
The silent epidemic sweeping the nation today is credit card abuse. As prices of goods increase faster than average wages, American families slide
deeper into debt. In the meantime, the banks are flourishing from their desire to buy now and pay later. It is amazing how a small piece of plastic can
be so dangerous. Society today almost requires people to carry credit cards. In my opinion, credit cards are one of America's family's most underrated
problems. One could assume the banks encourage spending on impulse in order to secure their future. The access to credit cards make it possible to
make large purchases instantly. The banks set low minimum payments; however, by doing so all you pay on the account is interest. In turn, a... Show
Presently, most companies require or encourage direct deposit for their employees. The banks really have an advantage in this process. A person
will have to receive an ATM card for accessing their money, but the bank will also include a VISA symbol on the card. In some cases, the bank
allows the VISA credit line to be used for overdraft protection. A consumer may be unaware that exceeding their checking balance by $5.00 causes
the bank to draft $100.00 increments into the account from the credit line. This procedure can be deceiving to the customer. The banks offer credit
cards to most everyone, and sometimes they even send the cards through the mail without permission from the consumer. It is unbelievable the high
limits of credit offered on some of these cards. People with good credit are targeted highly by banks and lending institutions. It leads one to think that
the banks are adding more stress to the lives of Americans by making spending so easy. Finally, with the large lines of credit available on most cards,
the problem of theft is very dangerous. If your card is stolen, a thief can potentially destroy someone financially in a matter of hours. Everytime the card
is used it presents a danger of someone using your account number. Also, it can lead to other vital information including, social security number, bank
account numbers, and other private information. Consumers take a large risk using credit cards. In conclusion, the

Protecting Your Personal Details On Our Website
Privacy Policy
Protecting your personal details on our website
unbrandedtablets.com whose registered office is at 90 Sissons Road,Middleton ,West Yorkshire, Leeds Ls10 4JY, knows that you care how
information about you is used and shared and we appreciate your trust in us to do that carefully and sensibly. This notice describes our privacy policy
and forms part of our website terms and conditions ("Website Terms").
By accepting our Website Terms or by visiting www.unbrandedtablets.com ("the Website") you are accepting and consenting to the practices described
in this Privacy Policy.
The Website is brought to you by unbrandedtablets.com Limited. unbrandedtablets.com Limited believes it is important to protect your Personal Data
(as ... Show more content on Helpwriting.net ...
You may change your mind at any time by emailing us at the address below.
Some of the Personal Data we hold about you may be 'sensitive personal data ' within the meaning of the Data Protection Act 1998, for example,
information about your gender or your date of birth.
1. Collecting Information
We may collect Personal Data about you from a number of sources, including the following:
1.1. From you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will
pay for the product or service and your bank details.
1.2. From you when you contact us with an enquiry or in response to a communication from us, in which case, this may tell us something about how
you use our services.

1.3. From documents that are available to the public, such as the electoral register.
2. Using Your Personal Information
2.1. Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and
shall not keep such Personal Data longer than is necessary to fulfill these purposes:
2.1.1. To help us to identify you when you contact us.
2.1.2. To help us to identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this
by automatic means using a scoring system, which uses the Personal Data you have provided and/or any

Speech On Paytm Payment Bank
Paytm Payment Bank is launched in May 23 2017 and now its the most popular bank among adults. Paytm which is already populated for easy
cashless transaction had their kick their backs to offer more to Indian Citizens. Now, their bank many physical banks like services. Paytm Payment
bank offer UPI, debit card and interest on storing money. As well as it will offer fixed interest of upto 7.03% on reaching certain limit which I will
explain later.
Now before we talk about how to open your Paytm bank account first understand why you need a digital Payment bank.
Why You or I need a Paytm Payment Bank Service in 2017?
Comparing 2017 with 2012 or so. It is now getting easy to open a bank account than in past. In order to open bank account in 2017 ... Show more
Its the time to load cash into your saving account. In order to load cash you can use following services. Paytm does not limit any minimum amount to
be transferred. You can submit from Rs.1 to Rs.10000 without any hosch posch.
Bank account transfer (NEFT/RTGS)
UPI transfer/IMPS
I recommend you to use BHIM APP for UPI service. Paytm also provide UPI service where your phone number will be your VPA address. Incase if
your phone number is 9999990000 then your Paytm VPA will be 9999990000@paytm
Open BHIM APP
Tap on Send
Tap on Mobile/Aadhaar/UPI ID
Enter your Paytm UPI ID and verify
Enter amount
Click on big Pay button
Enter your UPI code and send
Your money will be transferred in under a minute

What's Left?
Why there is a limit of 1 Lakh?
RBI restrict the maximum amount to be deposit in Payment banks is Rs.1 Lakhs. This amount may or may not be increase with time. Till today the
max is just 1 Lakhs.
In order to handle such high payment deposit. Paytm partnered with private sector bank. Your exceeded amount will be enrolled in a separate fixed
account. The dashboard for FD will be found under Paytm > Bank

How E Banking Can Ease Our Lives Essay
HOW E–BANKING CAN EASE OUR LIVES –
Indian banks are trying to make the life of their customers easier. Not just bill payment, but you can also invest shop or buy tickets and plan a
holiday simply at your fingertips. In fact, research from ICICI Bank tells us that, "The Internet banking base has been growing at a remarkable pace
over the past few years. At present around 78 per cent of the bank 's customer base has registered for E– banking." In order to get started, all what is
needed is a computer device with a modem or other dial–up connection, a checking account with a bank that offers online service and the patience to
complete about a one–page application––which can usually be done online. You can avail various services which are as follows:
Bill payment service: Each bank has tie–ups with different companies, service and goods providers and insurance companies as well, across different
parts of the country. It facilitates the payment of electricity bills, telephone bills, mobile phone, shopping bills, credit card and insurance premium bills
can be paid with great ease. To pay bills, a simple procedure of one–time registration for each biller has to be completed. Standing instructions can be
set, online to pay the recurring bills, automatically. One–time standing instruction will make sure that the bill payments do not get delayed due to lack
of time. And the best part is that, the bank does not charge from their customers for their online bill payment.
Fund transfer:

A Note On Credit Card
Credit Card
Trend of transaction in the past five years in India in terms of revenues ( % growth y–o–y) пЃ¶The credit card in India witnessed 33% growth in terms
of transaction value, to reach to $23297.5 million in 2013.
пЃ¶The number of credit cards in circulation grows by 2% to 21 million
пЃ¶Banks continue to promote credit cards to customers with new and attractive offers
пЃ¶HDFC Bank Ltd is the leading issuer of credit cards with a 29% value share in 2012
OVERALL SCENARIO
Overall, credit card saw a 2% increase in the cards issued, a 19% increase in the number of transaction and a 33% increase in the transaction value. It
showed a strong improvement in the last five years compared to the other countries. In terms of card circulation, banks continued to maintain a strict
"Know Your Customer" policy, before issuing the card to the customer.
OFFERS FOR DISTRIBUTION OF CREDIT CARDS
Banks gave various offers including cashback on certain amounts of expenditure, discounts especially for retail purchases and special offers on travel
and tourism bookings to boost the sale of the credit cards.
SAFETY
Credit card usage also evolved in terms of merchant acceptance and usage by consumers. Indians have started shifting their attitude towards the use of
credit card and now feel more safe in using it than in the previous years.
COMPANY SHARES
The company share has been shown in the image below. As can be seen that HDFC Bank Ltd. has topped the percentage share in the transaction value

Bealls Florida Credit Card Analysis
Bealls Florida Credit Card Login And How To Apply
Bealls Florida Credit Card is a store branded card and it is very suitable for frequent shoppers at Bealls Florida. Online login for Bealls credit card
Florida is available for online payments and account management. Comenity Bank issues this card and manages the credit account as well. Therefore,
you can login or apply on Comenity Bank website to avail various services available to you once you qualify for the card. Visit the card features page
to learn about the offers and other benefits of having this credit card. Some prominent highlights of the credit card are
2 reward points on every $1 spent
200 reward points equal to $5
Introductory 15% discount on purchases made on the first day ... Show more content on Helpwriting.net ...
Click on the blue colored Apply button.
Step 2: Enter your personal information like full legal name, social security number, date of birth, and total annual income.
Step 3: Then, provide your contact information like detailed residential address, email address, mobile phone and an alternate phone number.
Step 4: Select if you want to add an authorized buyer. Then, provide information about the authorized buyer like full legal name, birth date, and relation
with you if you select yes.
Step 5: Click on the Continue button. Accept terms and conditions and send your application for approval to Comenity Bank on the subsequent pages.
How To Activate Bealls Florida Credit Card
Step 1: Dial 1–866–907–5594 to contact Bealls Florida Credit Card customer service at Comenity Bank. Follow instructions to activate the card.
Step 2: Visit the registration page for Bealls Florida Credit Card.
Step 3: Authenticate your identity by providing your credit card account number, zip code, and last four digits of SSN.
Step 4: Then, create a new account online by providing a new user name, password, email address, and mobile phone number.
Step 5: Select if you want paperless

Identity Theft : The Problem With Security
Identity Theft: The problem with security of who we are Identity theft is the talk of the day with many victims suffering from its dire consequences. It
has the means to ruin an individual 's life with being doubted in the near future when trying to accomplish anything that is credit and government
related. It has sent many innocent people behind bars with accusations that are fraudulent and unnecessary. By a simple credit card number and social
security number, the whole identity profile will be revealed in the eyes of criminal hacker whose main purpose is financial and benefit gain. They the
social security numbers to open bank accounts and also uses the credit accounts to make purchases as their own. Identity theft hackers steal ... Show
It shows that hackers hunt and steal for major corporations for that they include credit card data and as well some with bank account information of its
users on the PlayStation network which is powered by Sony. PlayStation network runs on a shop platform to manage its players which include saving
your credit or debit card information if purchases are to be made in the network. Sony has issued to those who became of the victim of their identity
theft case each "1 million dollars" (Lewis, 2011) to each of its members designed to "cover legal expenses, identity restoration and lost
wages"(Lewis, 2011). Besides the PlayStation network also Qriocity music an individual company before now owned by Sony was also affected.
They made an inclusion that each members of both media establishment are to download the service free membership of an identity protection
program in order to protect and rebuild the credit and identity of the victims of the case. This was Sony's approach on protecting its customers as well
as the company on the attacks that happened and the future attacks that can happen. Was this a good approach or not?Sony PlayStation network and
Qriocity Music which was an individual company before but now owned by Sony had an identity

Customer Satisfaction of ATM Service
Customer Satisfaction of ATM Service: A Case Study of HSBC ATM Dr. Md. Rafiqul Islam Dr. Samir Kumar Sheel Pallab Kumar Biswas *
Abstract: The Automated Teller Machine (ATM) is one type of innovation that can mechanically accept deposits, issue withdrawals, transfer funds
between accounts, collect bills, and make small loans. This study aims at investigating the satisfaction levels of HSBC ATM cardholders (both staff
and nonstaff) with respect to various aspects (promptness of card delivery, the performance of HSBC ATM, the service quality of ATM personnel etc.)
of using HSBC ATM and their opinions on various other related issues (such as positive and inconvenient features of HSBC ATM, recommendation to
improve the service quality etc.).... Show more content on Helpwriting.net ...
The Hongkong and Shanghai Banking Corporation Limited (HSBC) also introduced the ATM facility in 1999. Different studies have been conducted
by the internal management of this bank to have an idea about customer satisfaction about various banking products of HSBC, but no study has been
undertaken to identify the level of customer satisfaction with respect of various aspects of HSBC ATM. But as day–by–day the use of ATM is
increasing, it is important to make a study to gain insight about the level of customer satisfaction with respect to various aspects of HSBC ATM
and to identify the problem areas and proposed recommendation leading to improvement. This study is such an attempt. The main objectives of the
study can be stated as below: (a) To examine the level of nonstaff customer satisfaction associated with various aspects of HSBC ATM (such as
promptness of card delivery, the performance of HSBC ATM, the service quality of ATM personnel etc.); (b) To examine the level of staff customer
satisfaction associated with various aspects of HSBC ATM; and (c) To make policy recommendations to improve the service quality of HSBC ATM.
1.3 Rationale of the Study: The findings of the study will provide information to use in analyzing the current ATM situation of HSBC. As the use of
ATM services is increasing day–by–day, on the part of the bank, it is important to have an idea about what the ATM users are thinking about various
features

Advantages Of The Indusland Bank
Indusland Bank established in April 1994 derives its name from Indus Valley Civilisation. The bank is first among its new generation private sector
bank that obtained a license in the year 1994 to drive the process of economic reforms in the post liberalisation era in India. Conceptualised by
Srichand P. Hinduja, the InduslandBank was born from his vision to use collective contributions from the worldwide as non–residents Indian (NRI)
community towards social and economic development of the country.
The bank offers multiple type of credit card to its customers as the benefits and craze of credit card is increasing day by day. The benefits of using a
credit card are many and not having to carry cash in your pocket wherever you go is the most ... Show more content on Helpwriting.net ...
To avail the service, you have to authorise your Indusland Bank credit card for deducting the amount directly from your bank account. All you have
to do is to completely fill the NACH form after reading all the terms and conditions and then authorise the Indusland Bank to debit your other bank
accounts. . It is a great way to save a lot of time and effort and make your Indusland Bank credit card bill payment with ease.
ATM fund transfer: This is another simple and convenient method to make your Indusland Bank credit card bill payment with ease. However, to
transfer fund via ATM, users have to first select the bill payment option for credit card and then choose the account through which they wish to make
the further payments. Once this step is completed, users have to enter the number of the beneficiary credit card and confirm the transactions.
Offline payment options: You can also pay your Indusland Bank credit card bill payment using these offline payment options. The options

Security Breach Of Banking Industry And Retail Business
Security Breach in Banking Industry and Retail Business
Financial technologies play a significant role in modern banking system. Most of us are familiar with internet banking and mobile banking. These
technologies allow us to access our accounts, transfer funds, pay for our purchases, and even apply for a loan without leaving a house or an office. In
addition, most of us prefer to pay for our purchases with a quick swipe of a credit or a debit card. No doubt, it is more convenient than caring and
counting cash every time we go to a store. But, unfortunately all these technologies come at a cost. Time to time, we hear news about another security
breach in the banking system or retail business, when customers' personal information is ... Show more content on Helpwriting.net ...
For example, in April of 2013, "Bank of America sent out alerts saying they disabled several area cards out of fear that account information may have
gotten into the wrong hands" ("Bank of America Alerts Customers of Security Breach." CBS St Louis). The spokesman for the bank said: "We have
not heard of anything specific, but I can tell you that we, along with other banks, periodically receive alerts from the payment networks about cards that
may have been compromised at a third–party location"( "Bank of America Alerts Customers of Security Breach." CBS St Louis). In May of this year,
several residents of Lawrence County in Missouri reported "that their Commerce Bank debit cards had been compromised following a security
breach over the weekend. Carl Bradbury, director of consumer card product for Commerce Bank, said that about 1,500 customers in various states
were affected by a "merchant's" security breach" (Doombos, Caitlin. "Lawrence Residents Report Commerce Bank Debit Cards Compromised in
Security Breach." LJWorld.com.). Bradbury also added, that "security breaches in the banking industry are not rare. He noted about '60 to 80 breaches
are going on' at any given time" (Doombos, Caitlin. "Lawrence Residents Report Commerce Bank Debit Cards Compromised in Security Breach."
LJWorld.com).
In almost 80 percent of cases, banks notify customers of

Essay on Plastic Money in Indiamn Shopping
OBJECTIVES OF STUDY Primary objectives:– To know the perception of people towards plastic money. Secondary objectives:– To know the
importance of plastic money in the daily life of consumers' W.R.T credit and debit cards. To study the benefits of debit card and credit cards. To find
out the market leader among the various banks/companies issuing credit and debit cards To know the problems faced by respondents using plastic
money. To study the satisfaction level of consumers towards plastic money. NEED AND SCOPE OF THE STUDY Need of the study:
– It is rightly
said the plastic money is need of hour. People are using these cards on a vast scale. But after considering the review of literature... Show more content
on Helpwriting.net ...
Master Card : Card start with No.51 and 55 Diners Club : Card number beginning 36 or 38 Amex Ex : Card number beginning 34 or37 [pic] Progress
in civilization in its turn has brought out radical changes in the manner of trading. The need for something intrinsically useful and easily applicable in
everyday dealing is clearly felt. Cash in the form of currency notes and coins makes up just one form of the payment system. Development in banking
while also giving inputs to the further development of cash brought about a second phase in payment namely paper instructions such as cheques and
credit transfers. The requirement for greater flexibility and convenience has led to electronic payments, and this is where plastic cards have proved
their worth. It allows the card issuers to limit the sum of money the card–holders wish to spend. The spending of card–holders who have defaulted on
payments or who are over their credit limit can be restricted until the balances are cleared. Definition of credit card A credit card is a credit–token
within the meaning of section 14(1), Consumer Credit Act 1974 of the UK which defines a credit–token as a card, cheque, voucher, coupon, stamp, form

Components Requirements For A Bank Operator
Task 1: Requirement specification
Task1a: Stakeholders, functional and non–functional requirements for the coursework specification:
Introduction
There are about three stakeholders for the system given in the coursework specification identified by the writer; below is the list of them all, together
with their functional requirements. The writer has also identified about four non–functional requirements.
a) Bank customer (User)
The functional requirements of bank customer are:
1.User Login
2.View balance
3.Withdraw cash
4.Perform deposit
b) Bank operator
The functional requirements for a bank operator are:
1.System startup
2.System shutdown
c) Bank network system
The functional requirement for bank network system is
1.Bank session_operation
Non–functional requirements for the system are:
1.Reliability
2.Availability
3.Security and

4.Performance
Task1b: Requirement specification template:
1 Introduction
This is a SRS for automated teller machine in advanced requirement requirements engineering and software architecture module. The template deviates
from IEEE standard 830 – 1998.
1.1 Purpose
This software requirement specification (SRS) document is written as part of coursework exercise and is intended for the coursework module leader at
De Montfort University. Other interested parties for this document can be software developers of the ATM system.
1.2 Scope
ATM is a safety–critical and real–time system and is part of a large banking network. The ATM is

Online Banking And Shopping Portal
Introduction
Various levels of information breach covering the headlines at the regular basis, as per the recent times online banking and shopping is at the peak.
While shopping users are sharing their credit card information with the shopping portal trusting them, but some cybercriminals are breaking the security
of shopping portal's server or banking servers and stealing credit card and bank account information and selling them to criminals. This kind of illegal
act prevents the users to share their financial information online.
Current Situation and Example
In this new technology era and with expanding market users around the globe prefers to access their financial information online and shopping also.
With that risk of fraud around ... Show more content on Helpwriting.net ...
Law enforcement in United States will not forgive any criminals and will be pursued in near future. Albert Gonzalez sent a malware software named
"packet sniffer" to a friend in Ukraine and that person forwarded this software to Suvorov. Albert Gonzalez breached into the system of Dave and
Busters restaurants. And then Suvorov got access to Dave and Buster's restaurants to steal credit card information through packet sniffer. For this
Albert Gonzalez prisoned for 20 years in March 2010. The extensive variety of the culprits conveys to light something that those in the digital
knowledge domain have known for quite a while: Criminal programmers are a piece of an extremely develop and multi–billion dollar industry that
stretches far and wide. No association is insusceptible to the danger.
Bank of New York Mellon
Bank of New York stores its backup data in Archive Systems Inc. On a regular transportation to storage facility, a tape consisting of data of around 5
million customers of Bank of New York Mellon reached at storage facility and it was found missing. Except that one tape other nine tape were safe
but the missing tape consisting personal information such as bank account details and Social security numbers. Bank notified customers regarding
breach and informed them to keep their credit card information secured. They hired forensic experts to apply second pass. Total loss of Bank of new
cannot be measured though but data theft cause bank to spend $197 per

DonT Let Crooks Steal Your Identity Case Study
Complete Name: Unit 4 Student Name: Jenkins, Shanika
**********************************************************************************************************
1. Case Study: "Don't Let Crooks Steal Your Identity: How to Protect Yourself
–and Your Credit Rating" (p. 225)
**********************************************************************************************************
2. Provide several methods that crooks use to steal your identity.
Student Answer: There are several methods to a crook use to steal your identity. Some crooks are using credit cards and drivers licenses with
identities lifted from a stolen or forged passports a crook can be one that is pilfering your credit card number and charging merchandise to your ... Show
You will notice when checks start bouncing or a collection agency begin calling you. The good thing is the damage isn 't so much in dollars,since
the financial institution are liable for the unauthorized charges. You wil also notice when you can 't get approved for a mortgage or a job, and the
countless phone calls and paperwork you 'll need to go through to set the records straight. You will also notice when you are applying for credit
somewhere and they will not approve you when you know that you have great credit score. There are also unauthorized credit or debit card purchases,
getting unexpected credit approvals, unprompted collections letters that you have no idea about. Also someone can hack into your email to see if
you have any information in it.Also if you have an account that has been flagged warning it means that it is something odd on your account and
they will flag it as a warning to let you know. A crook can also even get into your mailbox and get your mail, when you are expecting something and
you know that it should have been here by now. You may even have someone to use your medical information, because they don 't have any to take
care of there own problems. Your identity can even be stolen when someone has committed a crime and use your name and get a surprising arrest
warrant for no reason. There are so many ways for crooks ro come up with things.
Correct Answer: n/a

Credit And Debit Card Processing Eco System
Credit and Debit card processing eco system are undergoing significant change recently due to the advancements in the payment landscape.
Disruptive technology in the mobile & ecommerce space has thrown new channels and players in the payment industry, making cards just as another
channel to make payment. Traditionally the 'card issuing' is managed as a product line on its own from operations and processing point of view.
Most big players have dedicated platform, operations / IT teams to support end to end cards processing needs, which includes receivable processing,
customer service, back office operation and GL reporting & MIS. Addition of new form factors in the payment space have made cards as 'one channel'
for fund movement & to make... Show more content on Helpwriting.net ...
This can lead to shared operation / IT teams between the product lines. If we shift the focus to customer centricity, now we can identify more
overlappingarea.Thesesimilarities throws following questions to the card issuers, especially the banks, Do they need dedicated system for end – end
card processing? What are the opportunities to leverage a common application stack to support both Banking and Card processing needs? How to
achieve customer centricity, efficiently? Which system has required agility to meet current technology trends in the market? What part of the card
processing qualify for 'commoditization' so that banks can focus on core business and products? Does the current platform architecture is an enabler
or blocker for the outsourcing or commoditization? What are the additional overheads of having people with varying skills required to support similar
business back office processing or servicing needs? Opportunities Business Drivers A careful analysis of processing value chain and considering
customer centricity & current technology trends in the market, we can identify very good number of candidates between core banking and card
processing which can share

Major German Retail Banks Assignment
Major German Retail Banks
The major banks in Germany are: * Deutsche Bank * Commerzbank (in German) * Postbank (in German) * Dresdnerbank * Volksbank (in German) *
Sparkasse (in German)
There are also many regional banks, such as the Berliner Bank or Hamburger Bank. The Savings Bank (Sparkasse) and People 's Bank (Volksbank) also
have regional branches, which are named according to their location (for example Sparkasse Leipzig or Berliner Volksbank).
Banking technologies allow for online transactions, standing orders and the use of ATMs to make bill payments. Cardholders of some banks may use
others ' free of charge and the banks themselves are becoming more open–plan, providing easy access to business ... Show more content on
Helpwriting.net ...
Current account holders will be issued with a separate EC card for their savings account. Depending on the savings account, money can be withdrawn
at any time or must be left for a specific period in order for higher interest rates to come into effect. A standing order can be set up directly from the
account holder 's current account, or money transfers can be made directly into the savings account from other sources.
Statements
Statements (KontoauszГјge) are normally sent once a month by post to account holders. They may also be printed out at any time from bank terminals
in branches of the account holder 's bank.
When reading a statement, money which has been credited to the account is indicated with H (Haben) and money debited from the account is indicated
with S (Soll).
Receiving money transfers
It is necessary to provide the sender with: * Account name * Account number * Sort code * Name of bank * Swift code
Transfers from the same bank normally take effect on the same day; from other banks this process can take up to five working days. Transfers from
abroad require the international IBAN code, may take longer and incur additional costs.
Transferring money to other accounts
The details required for money transfers (Гњberweisungen) are: * Account name (Kontoinhaber) * Account number (Kontonummer) * Name of bank
(Bank) * Sort code (Bankleitzahl) *

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