Credit Cards & Smart Cards - Darkside
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Credit cards were first introduced in the US in the 1950s and have since grown tremendously in popularity and use. There are now over 300 million Visa and Mastercards in use in the US alone. While credit card interest rates remain high despite competition, credit card companies have engaged in some non-price competition through rewards programs. Smart cards were introduced in the 1970s but have not seen widespread adoption in the US due to their higher costs compared to magnetic strip cards and the challenges of getting consumers to change their habits.
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Credit cards ppt (1)
Credit cards are plastic cards that allow users to make purchases now and pay for them later. They provide pre-approved credit up to a set limit. To be eligible, one must have a bank account and be deemed creditworthy based on income, assets, and expenses. Credit cards display key information like the card number, expiration date, security features, issuing bank, and signature strip. They are classified based on payment type, user status, validity area, brand affiliation, and issuing institution. Credit cards offer convenience for users and guaranteed payment for merchants, while banks earn revenue from fees. However, they also carry risks like debt, fraud, and theft for users and merchants. Safety tips include signing cards, reporting loss/theft
Smart Cards Evolution
This document provides an overview of smart cards, including:
- Their architecture which includes a CPU, memory (RAM, ROM, EEPROM), security logic, and interface.
- How they work by communicating with card readers using standardized commands and responses.
- Security mechanisms like passwords, cryptographic challenges, and biometric storage to authenticate users and the card/terminal.
- How data is stored in their EEPROM memory organized in a file structure.
E Cheques
E-cheques are an electronic payment method that functions similarly to paper checks but uses digitally signed XML documents instead of paper. This technology was developed by IT researchers and bankers to allow for paperless and efficient banking transactions. While e-cheques provide benefits like instant payments and inability to bounce, their use is limited when merchants do not accept them or when multiple signers are required.
Smart cards
A smart card is a plastic card with an embedded microchip that can store data and be used for applications like phone calls, payments, and more. Smart cards were first developed in the 1970s and are now used widely for payment, transit cards, identification, and more. They provide security advantages over magnetic stripe cards and allow for multiple functions on a single card. Smart cards are expected to continue evolving to new form factors and applications in the future.
Smart Card Technology
The document summarizes the history and development of smart cards from 1968 to 1999. Some key events include the first patent filings for microchip cards in 1968 and 1970, the original patent for an IC card in 1974, and the beginning of commercial smart card development in 1977. The document then defines smart cards and describes their various components and applications, including banking, identification, transportation, and telecommunications. The advantages of smart cards over magnetic stripe cards are also outlined, such as increased security, processing power, and storage capacity.
Smart Card Presentation
Smart Card provides a pre-paid public transportation card that can be used across multiple transit systems in the Bay Area without needing exact change. The card has a built-in computer chip and can be used to pay for transit, parking, coffee, groceries and more. Smart Card aims to expand to new retail partners and cities in the next 3-5 years.
Smart card technology
Smart cards are plastic cards with embedded microchips that can store and process data. They come in various types, including contact cards that must be inserted into a reader, contactless cards that communicate via radio frequency, and dual-interface cards that can be used either way. Smart cards provide secure storage of identification, banking, medical, and other important user information and enable faster transactions. They are defined by international standards for dimensions, communication protocols, and more. While offering benefits like security, portability, and flexibility, smart cards also have drawbacks including higher costs and limited reader compatibility compared to traditional cards.
E cash payment system
This document discusses various electronic payment methods including credit cards, debit cards, stored-value cards, digital currency, e-wallets, and peer-to-peer transfers. It notes that credit cards remain very popular for business-to-consumer transactions due to their convenience of paying later. While electronic payments can increase efficiency and lower transaction costs, challenges include a lack of tax records and increased risks of money laundering and forgery compared to cash payments.
Recommended
Credit cards ppt (1)
Credit cards are plastic cards that allow users to make purchases now and pay for them later. They provide pre-approved credit up to a set limit. To be eligible, one must have a bank account and be deemed creditworthy based on income, assets, and expenses. Credit cards display key information like the card number, expiration date, security features, issuing bank, and signature strip. They are classified based on payment type, user status, validity area, brand affiliation, and issuing institution. Credit cards offer convenience for users and guaranteed payment for merchants, while banks earn revenue from fees. However, they also carry risks like debt, fraud, and theft for users and merchants. Safety tips include signing cards, reporting loss/theft
Smart Cards Evolution
This document provides an overview of smart cards, including:
- Their architecture which includes a CPU, memory (RAM, ROM, EEPROM), security logic, and interface.
- How they work by communicating with card readers using standardized commands and responses.
- Security mechanisms like passwords, cryptographic challenges, and biometric storage to authenticate users and the card/terminal.
- How data is stored in their EEPROM memory organized in a file structure.
E Cheques
E-cheques are an electronic payment method that functions similarly to paper checks but uses digitally signed XML documents instead of paper. This technology was developed by IT researchers and bankers to allow for paperless and efficient banking transactions. While e-cheques provide benefits like instant payments and inability to bounce, their use is limited when merchants do not accept them or when multiple signers are required.
Smart cards
A smart card is a plastic card with an embedded microchip that can store data and be used for applications like phone calls, payments, and more. Smart cards were first developed in the 1970s and are now used widely for payment, transit cards, identification, and more. They provide security advantages over magnetic stripe cards and allow for multiple functions on a single card. Smart cards are expected to continue evolving to new form factors and applications in the future.
Smart Card Technology
The document summarizes the history and development of smart cards from 1968 to 1999. Some key events include the first patent filings for microchip cards in 1968 and 1970, the original patent for an IC card in 1974, and the beginning of commercial smart card development in 1977. The document then defines smart cards and describes their various components and applications, including banking, identification, transportation, and telecommunications. The advantages of smart cards over magnetic stripe cards are also outlined, such as increased security, processing power, and storage capacity.
Smart Card Presentation
Smart Card provides a pre-paid public transportation card that can be used across multiple transit systems in the Bay Area without needing exact change. The card has a built-in computer chip and can be used to pay for transit, parking, coffee, groceries and more. Smart Card aims to expand to new retail partners and cities in the next 3-5 years.
Smart card technology
Smart cards are plastic cards with embedded microchips that can store and process data. They come in various types, including contact cards that must be inserted into a reader, contactless cards that communicate via radio frequency, and dual-interface cards that can be used either way. Smart cards provide secure storage of identification, banking, medical, and other important user information and enable faster transactions. They are defined by international standards for dimensions, communication protocols, and more. While offering benefits like security, portability, and flexibility, smart cards also have drawbacks including higher costs and limited reader compatibility compared to traditional cards.
E cash payment system
This document discusses various electronic payment methods including credit cards, debit cards, stored-value cards, digital currency, e-wallets, and peer-to-peer transfers. It notes that credit cards remain very popular for business-to-consumer transactions due to their convenience of paying later. While electronic payments can increase efficiency and lower transaction costs, challenges include a lack of tax records and increased risks of money laundering and forgery compared to cash payments.
Smart cards
Smart cards are credit card sized devices with embedded integrated circuits that can store and process data. They can be used for identification, authentication, data storage and more. The document outlines the history of smart cards from their invention in 1968 to modern applications. Key benefits include security, portability and ease of use. Examples of smart card applications provided are banking, healthcare, access control and telecommunications. Advantages include flexibility and security while disadvantages include potential fees and data access if lost or stolen.
Smart card system ppt
Smart cards can hold up to 32KB of data and have encryption capabilities. They provide security for banking, mobile payments, and ID verification. Smart cards use microprocessors and memory to store and process encrypted data for transactions and access control through card readers. They provide flexibility, security, portability and increasing storage capacity compared to magnetic stripe cards.
Smart Card Technology
Smart cards are plastic cards with embedded integrated circuits that can be used for secure identification and financial transactions. They store data in their microchips and communicate with card readers using established protocols. The main types are contact cards that must be inserted directly into readers, contactless cards that communicate via radio frequency, and dual-interface cards that support both contact and contactless. Smart cards rely on operating systems and encryption to securely store and manage access to user data for applications such as ID cards, payments, and access control.
Smart card ppt
Smart cards are plastic cards with embedded computer chips that store and transact data. They were first used in France in the 1980s for payment in pay phones. Contact smart cards have electrical contacts that connect to readers and transmit data via signals like power, reset, clock, and input/output. They are now used widely for banking, transportation, healthcare and more. Smart cards improve security over other machine-readable cards by providing secure authentication, encryption, passwords, biometrics and more. Standards like ISO 7816 and 14443 govern smart card interfaces and communication.
Ppt Smart Card
Smart cards are credit card-sized cards with embedded microchips that can store up to 32,000 bytes of data. They come in two types - memory-only chips and microprocessor chips. Smart cards provide flexibility, security, and portability for applications like banking, mobile payments, ID verification, and access control. While smart cards offer advantages like increasing data storage and reliability, security remains a key disadvantage to address.
Smart card
This is a compiled ppt of various ppt on the internet. Not my original work. Done for people who need ready refeerence
Smart cards
A seminar on Smart Cards, its history, applications, working principle, architecture, classification and future scopes. Prepared for 3rd year ECE technical seminar.
Sploitego
Nadeem Douba, GWAPT, GPEN currently situated in the Ottawa (Ontario, Canada) valley, Nadeem provides technical security consulting services primarily to clients in the health, education, and public sectors. Nadeem has been involved within the security community for over ten years and has frequently presented talks in his local ISSA chapter, and most recently at DEF CON 20 on the topics of Open Source Intelligence and mobile security. He is also an active member of the open source software community and has contributed to projects such as libnet, Backtrack, and Maltego.
Card Industry Overview
The document provides an overview of the history and evolution of the card and loyalty industries from 1914 to present day. It defines key terms related to cards, payments, and loyalty programs. It also outlines the major players and how money is made in the card and loyalty industries through interchange fees and rewards programs.
Abdullin modern payments security. emv, nfc, etc
The document discusses modern payment security technologies like EMV and NFC. It provides an introduction to payment cards, describes the EMV standard for integrated circuit cards and terminals, and discusses attacks on both EMV and NFC technologies. It also covers future directions in payment security.
What is A Smart Card
A quick overview of this technology call an Integrated Circuit Card aka the Smart Card or Chip Card used in 2005 to a audience of Canadian Financial Institution executives.
Electronic cards credit and debit
This document discusses credit cards and debit cards in banking technology. It provides a brief history of credit cards dating back to ancient times and highlights key developments like Diners Club launching the first plastic credit card in 1950. It describes the different types of credit cards like bank cards, travel cards, and affinity cards. The document also outlines the credit card authorization and settlement processes between merchants, card networks and issuing banks. Additionally, it summarizes the economics of credit cards for issuers, acquirers and associated costs. Debit cards are also introduced along with their authorization process through debit card networks.
Smart cards
The document discusses smart cards, including their history, components, types, applications and advantages/disadvantages. Smart cards were invented in 1968 and are credit card sized devices that contain memory and microprocessors. They have two main types - memory only and microprocessor chips. Common applications include banking, retail, mobile phones, electronic payment and healthcare. Smart cards provide benefits such as convenience, security and portability but also have disadvantages like potential fees and liability if lost or stolen.
Card Industry Overview
The document provides an overview of the card industry and payment technologies. It discusses the history of payment cards from early metal cards in the 1910s-1920s to the development of major credit card networks like Visa and Mastercard in the 1960s-1970s. It also outlines the different types of players in the industry like issuing banks, acquiring banks, processors, and card associations. Additionally, it examines the various types of cards used today such as credit, debit, stored-value, and smart cards. The document aims to educate about the card industry landscape and how money is made through interchange fees.
Smart card technology
Smart card technology allows for pocket-sized cards with embedded integrated circuits that can store information and process data. Smart cards can store thousands of times more data than magnetic stripe cards. They have a variety of applications including identification cards, payment cards, SIM cards, and more. Smart cards provide security through authentication methods like passwords, biometrics, and encryption of stored data. The document discusses the history of smart cards and their components, construction, types, uses, and future applications.
ATM MACHINE
This document discusses the history and workings of automated teller machines (ATMs). It describes how ATMs originated in the late 1960s and were first installed in banks in the UK, Sweden, and US. The document outlines the key components of ATMs, including magnetic card readers, PIN pads, cash dispensers and processors that allow users to access their bank accounts and conduct transactions remotely without visiting a bank in person. It also discusses how ATMs connect to interbank networks to allow cash withdrawals globally using local currencies.
ELECTRONIC PAYMENT SYSTEM
Electronic payment systems allow for financial transactions to occur online through digital means rather than traditional cash or checks. Common electronic payment methods include debit and credit cards, digital wallets, online banking transfers, and mobile payments. These systems provide convenience for users but also raise security and privacy concerns that require protocols like encryption, digital signatures, and biometric authentication. While offering benefits over physical payment methods, electronic payment systems still face challenges around expanding access and reducing costs for merchants and users.
Electronic payment system
Electronic payment systems allow for financial transactions to occur online through digital means rather than traditional cash or checks. Common electronic payment methods include debit and credit cards, digital wallets, online banking transfers, and mobile payments. These systems provide convenience for users but also raise security and privacy concerns that require protocols like encryption, digital signatures, and biometric authentication. While offering benefits over physical payment methods, electronic payment systems still face challenges around expanding access and reducing costs for merchants.
Smart Cards - Enablers of Electronic Commerce_DeloitteConsultingVS1998
Smart Cards - Enablers of Electronic Commerce_DeloitteConsultingVS1998Venkatesan 'Prasad' Sundararajan
This document discusses smart cards and their potential role as enablers for electronic commerce in the United States. It defines what a smart card is and describes its key components and features. It then outlines five key business areas where smart cards can be used: as payment vehicles, for remote access, as information managers, as marketing tools, and as customized delivery systems. It provides examples of pilots and uses in different industries like banking, campus programs, telecom, pay-TV, government benefits, travel, and identification. Finally, it discusses standards and industry groups promoting smart card adoption in the US.How do at ms work.ppt
An ATM allows customers to access their bank accounts to withdraw cash, check balances, and conduct other transactions. It works by connecting through a host processor to various banking networks. The first working ATM was installed in 1967 in the UK. Now ATMs are commonly found in locations where many people gather like malls, airports, and gas stations. They use hardware components like card readers, keypads, displays, printers, and cash dispensers. Software runs the transactions through operating systems and connections to banking networks. Settlement involves electronic funds transfers between customer and bank accounts. ATMs have evolved to provide additional services beyond cash. Extensive testing helps ensure their high reliability.
smart-card-ppt.pptx6rto78r66r8tou7t8o7to87t8r
The document provides an overview of smart cards, including their history, construction, applications, and advantages. Smart cards were invented in 1968 and began commercial development in the 1970s. They are credit card-sized cards with embedded microchips that can store up to 32,000 bytes of data and perform encryption. Smart cards have contact or contactless interfaces and are used for applications such as payments, identification, transportation, and financial services due to their security, flexibility, and portability.
Atm technology and operations
This document provides an overview of automated teller machine (ATM) technology and operations. It discusses the types and components of ATMs, how ATM transactions work across shared networks, security features to prevent fraud, and the role of debit cards. It also summarizes the reconciliation process for ATM transactions and common fraud risks. The document aims to educate customers on safely using ATMs.
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Smart cards
Smart cards are credit card sized devices with embedded integrated circuits that can store and process data. They can be used for identification, authentication, data storage and more. The document outlines the history of smart cards from their invention in 1968 to modern applications. Key benefits include security, portability and ease of use. Examples of smart card applications provided are banking, healthcare, access control and telecommunications. Advantages include flexibility and security while disadvantages include potential fees and data access if lost or stolen.
Smart card system ppt
Smart cards can hold up to 32KB of data and have encryption capabilities. They provide security for banking, mobile payments, and ID verification. Smart cards use microprocessors and memory to store and process encrypted data for transactions and access control through card readers. They provide flexibility, security, portability and increasing storage capacity compared to magnetic stripe cards.
Smart Card Technology
Smart cards are plastic cards with embedded integrated circuits that can be used for secure identification and financial transactions. They store data in their microchips and communicate with card readers using established protocols. The main types are contact cards that must be inserted directly into readers, contactless cards that communicate via radio frequency, and dual-interface cards that support both contact and contactless. Smart cards rely on operating systems and encryption to securely store and manage access to user data for applications such as ID cards, payments, and access control.
Smart card ppt
Smart cards are plastic cards with embedded computer chips that store and transact data. They were first used in France in the 1980s for payment in pay phones. Contact smart cards have electrical contacts that connect to readers and transmit data via signals like power, reset, clock, and input/output. They are now used widely for banking, transportation, healthcare and more. Smart cards improve security over other machine-readable cards by providing secure authentication, encryption, passwords, biometrics and more. Standards like ISO 7816 and 14443 govern smart card interfaces and communication.
Ppt Smart Card
Smart cards are credit card-sized cards with embedded microchips that can store up to 32,000 bytes of data. They come in two types - memory-only chips and microprocessor chips. Smart cards provide flexibility, security, and portability for applications like banking, mobile payments, ID verification, and access control. While smart cards offer advantages like increasing data storage and reliability, security remains a key disadvantage to address.
Smart card
This is a compiled ppt of various ppt on the internet. Not my original work. Done for people who need ready refeerence
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Similar to Credit Cards & Smart Cards - Darkside
Smart cards
A seminar on Smart Cards, its history, applications, working principle, architecture, classification and future scopes. Prepared for 3rd year ECE technical seminar.
Sploitego
Nadeem Douba, GWAPT, GPEN currently situated in the Ottawa (Ontario, Canada) valley, Nadeem provides technical security consulting services primarily to clients in the health, education, and public sectors. Nadeem has been involved within the security community for over ten years and has frequently presented talks in his local ISSA chapter, and most recently at DEF CON 20 on the topics of Open Source Intelligence and mobile security. He is also an active member of the open source software community and has contributed to projects such as libnet, Backtrack, and Maltego.
Card Industry Overview
The document provides an overview of the history and evolution of the card and loyalty industries from 1914 to present day. It defines key terms related to cards, payments, and loyalty programs. It also outlines the major players and how money is made in the card and loyalty industries through interchange fees and rewards programs.
Abdullin modern payments security. emv, nfc, etc
The document discusses modern payment security technologies like EMV and NFC. It provides an introduction to payment cards, describes the EMV standard for integrated circuit cards and terminals, and discusses attacks on both EMV and NFC technologies. It also covers future directions in payment security.
What is A Smart Card
A quick overview of this technology call an Integrated Circuit Card aka the Smart Card or Chip Card used in 2005 to a audience of Canadian Financial Institution executives.
Electronic cards credit and debit
This document discusses credit cards and debit cards in banking technology. It provides a brief history of credit cards dating back to ancient times and highlights key developments like Diners Club launching the first plastic credit card in 1950. It describes the different types of credit cards like bank cards, travel cards, and affinity cards. The document also outlines the credit card authorization and settlement processes between merchants, card networks and issuing banks. Additionally, it summarizes the economics of credit cards for issuers, acquirers and associated costs. Debit cards are also introduced along with their authorization process through debit card networks.
Smart cards
The document discusses smart cards, including their history, components, types, applications and advantages/disadvantages. Smart cards were invented in 1968 and are credit card sized devices that contain memory and microprocessors. They have two main types - memory only and microprocessor chips. Common applications include banking, retail, mobile phones, electronic payment and healthcare. Smart cards provide benefits such as convenience, security and portability but also have disadvantages like potential fees and liability if lost or stolen.
Card Industry Overview
The document provides an overview of the card industry and payment technologies. It discusses the history of payment cards from early metal cards in the 1910s-1920s to the development of major credit card networks like Visa and Mastercard in the 1960s-1970s. It also outlines the different types of players in the industry like issuing banks, acquiring banks, processors, and card associations. Additionally, it examines the various types of cards used today such as credit, debit, stored-value, and smart cards. The document aims to educate about the card industry landscape and how money is made through interchange fees.
Smart card technology
Smart card technology allows for pocket-sized cards with embedded integrated circuits that can store information and process data. Smart cards can store thousands of times more data than magnetic stripe cards. They have a variety of applications including identification cards, payment cards, SIM cards, and more. Smart cards provide security through authentication methods like passwords, biometrics, and encryption of stored data. The document discusses the history of smart cards and their components, construction, types, uses, and future applications.
ATM MACHINE
This document discusses the history and workings of automated teller machines (ATMs). It describes how ATMs originated in the late 1960s and were first installed in banks in the UK, Sweden, and US. The document outlines the key components of ATMs, including magnetic card readers, PIN pads, cash dispensers and processors that allow users to access their bank accounts and conduct transactions remotely without visiting a bank in person. It also discusses how ATMs connect to interbank networks to allow cash withdrawals globally using local currencies.
ELECTRONIC PAYMENT SYSTEM
Electronic payment systems allow for financial transactions to occur online through digital means rather than traditional cash or checks. Common electronic payment methods include debit and credit cards, digital wallets, online banking transfers, and mobile payments. These systems provide convenience for users but also raise security and privacy concerns that require protocols like encryption, digital signatures, and biometric authentication. While offering benefits over physical payment methods, electronic payment systems still face challenges around expanding access and reducing costs for merchants and users.
Electronic payment system
Electronic payment systems allow for financial transactions to occur online through digital means rather than traditional cash or checks. Common electronic payment methods include debit and credit cards, digital wallets, online banking transfers, and mobile payments. These systems provide convenience for users but also raise security and privacy concerns that require protocols like encryption, digital signatures, and biometric authentication. While offering benefits over physical payment methods, electronic payment systems still face challenges around expanding access and reducing costs for merchants.
Smart Cards - Enablers of Electronic Commerce_DeloitteConsultingVS1998
Smart Cards - Enablers of Electronic Commerce_DeloitteConsultingVS1998Venkatesan 'Prasad' Sundararajan
This document discusses smart cards and their potential role as enablers for electronic commerce in the United States. It defines what a smart card is and describes its key components and features. It then outlines five key business areas where smart cards can be used: as payment vehicles, for remote access, as information managers, as marketing tools, and as customized delivery systems. It provides examples of pilots and uses in different industries like banking, campus programs, telecom, pay-TV, government benefits, travel, and identification. Finally, it discusses standards and industry groups promoting smart card adoption in the US.How do at ms work.ppt
An ATM allows customers to access their bank accounts to withdraw cash, check balances, and conduct other transactions. It works by connecting through a host processor to various banking networks. The first working ATM was installed in 1967 in the UK. Now ATMs are commonly found in locations where many people gather like malls, airports, and gas stations. They use hardware components like card readers, keypads, displays, printers, and cash dispensers. Software runs the transactions through operating systems and connections to banking networks. Settlement involves electronic funds transfers between customer and bank accounts. ATMs have evolved to provide additional services beyond cash. Extensive testing helps ensure their high reliability.
smart-card-ppt.pptx6rto78r66r8tou7t8o7to87t8r
The document provides an overview of smart cards, including their history, construction, applications, and advantages. Smart cards were invented in 1968 and began commercial development in the 1970s. They are credit card-sized cards with embedded microchips that can store up to 32,000 bytes of data and perform encryption. Smart cards have contact or contactless interfaces and are used for applications such as payments, identification, transportation, and financial services due to their security, flexibility, and portability.
Atm technology and operations
This document provides an overview of automated teller machine (ATM) technology and operations. It discusses the types and components of ATMs, how ATM transactions work across shared networks, security features to prevent fraud, and the role of debit cards. It also summarizes the reconciliation process for ATM transactions and common fraud risks. The document aims to educate customers on safely using ATMs.
Smart cards
A smart card is a plastic card that contains an embedded microchip which can store and process data. The microchip allows smart cards to carry out encryption and authentication functions. Smart cards come in contact and contactless varieties. They offer benefits like security, intelligence, and convenience. Smart cards are used in applications like mobile phones, healthcare, and transportation to store user data, enable authentication, and process transactions securely. Their use is expected to grow significantly in the future as more services migrate to using smart card technology.
Smart card
This document provides an overview of smart cards. It defines a smart card as a small plastic card with an embedded integrated circuit chip that can store and transact data. The document then discusses the history of smart cards, their design, types including contact, contactless and hybrid cards, applications such as financial, identification and access control, security features, benefits like convenience and enhanced security, and problems with malware and damage.
Eps
Electronic payment systems have grown tremendously in recent years, with over $900 billion transacted online in 2002. Credit cards are currently the most popular method of online payment, used for 65% of transactions. However, other methods like electronic cash and debit cards are growing in popularity as well. The future of payment systems will need to balance consumer preferences with privacy, taxation, and legal issues as electronic money becomes more widespread.
SMART CARD
Smart cards are plastic cards with embedded microchips that can store data and enable phone calls, payments, and other applications. The technology originated in the 1970s and has since been used for pay phones, debit/credit cards, SIM cards, transit cards, and more. There are several types of smart cards including contact cards that require insertion, contactless cards that use embedded antennas, and dual/hybrid cards with both contact and contactless capabilities. Smart cards are used across many industries like retail, transportation, healthcare, banking, and more. Future applications may incorporate biometrics and enable online purchases directly from smart cards.
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Smart Cards - Enablers of Electronic Commerce_DeloitteConsultingVS1998
Smart Cards - Enablers of Electronic Commerce_DeloitteConsultingVS1998
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O documento discute as características de produtos que são mais ou menos atraentes para vendas online. Produtos commodities e de marca tendem a ser menos atraentes, enquanto produtos tecnológicos inovadores com demanda volátil são mais atraentes. O documento também discute como as manufaturas podem se aproximar mais dos clientes finais usando canais online para obter informações sobre tendências de consumo.
Turismo de natureza
Este documento discute o turismo de natureza em Portugal. Ele define o turismo de natureza como experiências ao ar livre baseadas na natureza, como passeios e observação da vida selvagem. O documento também discute os mercados de "natureza soft" e "natureza hard" e identifica recursos naturais abundantes em Portugal, mas uma organização deficiente do setor e pouca procura internacional. Ele sugere focar no desenvolvimento de experiências estéticas, educacionais e de entretenimento baseadas na natureza para atrair mais visitantes.
Gastronomia e Vinhos - Business
O documento discute a definição do setor de gastronomia e vinho, incluindo mercados, gastos médios de turistas, perfis de consumidores e oportunidades. Ele também analisa os requisitos, deficiências, segmentos de clientes, experiências e fatores-chave de sucesso para o desenvolvimento do setor nos destinos priorizados como Lisboa.
Inovacoes e Tendencias na Saude
O documento discute tendências e inovações na área de saúde e bem-estar e suas implicações para a indústria do trigo. Ele aborda o crescimento do mercado de alimentos funcionais, novas oportunidades no Brasil e estratégias para inovação no trigo, como o desenvolvimento de variedades e produtos com benefícios à saúde.
IBRC - Pesquisa qualidade no atendimento
Este documento resume os resultados de uma pesquisa nacional sobre o que os clientes consideram bom atendimento. A pesquisa entrevistou 3.600 pessoas em 8 capitais brasileiras e no Distrito Federal para entender as expectativas dos clientes em relação ao atendimento presencial, telefônico e online. Os resultados incluem os tempos máximos de espera aceitáveis e os fatores mais importantes para um bom atendimento em cada canal.
Seminario Brasil 2020
O documento apresenta um seminário sobre cenários e respostas possíveis para o Brasil em 2020, discutindo quatro cenários (continuidade, consenso, resistência organizada e crise) e objetivos estratégicos para melhorar a qualidade de vida no país.
BNDES - Visao 2020
O documento discute cenários e tendências internacionais para o ano de 2050 apresentados em um workshop no Brasil em 2002. O documento resume três cenários globais possíveis: 1) Mundo de Mercado caracterizado por liberalização econômica e desigualdades crescentes; 2) Mundo Fortaleza caracterizado por crise, estagnação e instabilidade; 3) Mundo Transformado caracterizado por consciência ambiental e social e distribuição mais igualitária de prosperidade. O documento também lista desafios, ameaças e oportunidades identificados para o Brasil nos
Trade marketing no autoservico
1) O documento discute a evolução do varejo no Brasil, desde a era da "expansão" até a atual fase de "eficiência" e as tendências futuras de "fidelização".
2) Apresenta os desafios atuais de atender consumidores de diferentes classes sociais, desde os mais abastados até a base da pirâmide.
3) Discute a importância de entender o "shopper" para influenciar decisões de compra e o papel do trade marketing em apoiar o crescimento sustentável de varejistas e forn
APAS - painel de_mercado_e_consumo_2007
O documento resume as principais informações sobre o mercado de auto-serviço brasileiro em 2006-2007. O setor teve crescimento de faturamento de 0,57% após descontar a inflação, com aumento de volume de vendas superior ao valor. Lojas menores tiveram melhor desempenho, e o perfil típico do consumidor permaneceu inalterado, com compras concentradas nos dias de semana.
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zkStudyClub - LatticeFold: A Lattice-based Folding Scheme and its Application...
Folding is a recent technique for building efficient recursive SNARKs. Several elegant folding protocols have been proposed, such as Nova, Supernova, Hypernova, Protostar, and others. However, all of them rely on an additively homomorphic commitment scheme based on discrete log, and are therefore not post-quantum secure. In this work we present LatticeFold, the first lattice-based folding protocol based on the Module SIS problem. This folding protocol naturally leads to an efficient recursive lattice-based SNARK and an efficient PCD scheme. LatticeFold supports folding low-degree relations, such as R1CS, as well as high-degree relations, such as CCS. The key challenge is to construct a secure folding protocol that works with the Ajtai commitment scheme. The difficulty, is ensuring that extracted witnesses are low norm through many rounds of folding. We present a novel technique using the sumcheck protocol to ensure that extracted witnesses are always low norm no matter how many rounds of folding are used. Our evaluation of the final proof system suggests that it is as performant as Hypernova, while providing post-quantum security.
Paper Link: https://eprint.iacr.org/2024/257
AppSec PNW: Android and iOS Application Security with MobSF
Mobile Security Framework - MobSF is a free and open source automated mobile application security testing environment designed to help security engineers, researchers, developers, and penetration testers to identify security vulnerabilities, malicious behaviours and privacy concerns in mobile applications using static and dynamic analysis. It supports all the popular mobile application binaries and source code formats built for Android and iOS devices. In addition to automated security assessment, it also offers an interactive testing environment to build and execute scenario based test/fuzz cases against the application.
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HERE IS YOUR WEBINAR CONTENT! 'Mastering Customer Journey Management with Dr. Graham Hill'. We hope you find the webinar recording both insightful and enjoyable.
In this webinar, we explored essential aspects of Customer Journey Management and personalization. Here’s a summary of the key insights and topics discussed:
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"$10 thousand per minute of downtime: architecture, queues, streaming and fin...
Direct losses from downtime in 1 minute = $5-$10 thousand dollars. Reputation is priceless.
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Session 1 - Intro to Robotic Process Automation.pdf
👉 Check out our full 'Africa Series - Automation Student Developers (EN)' page to register for the full program:
https://bit.ly/Automation_Student_Kickstart
In this session, we shall introduce you to the world of automation, the UiPath Platform, and guide you on how to install and setup UiPath Studio on your Windows PC.
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What is RPA? Benefits of RPA?
RPA Applications
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UiPath Studio CE Installation and Setup
💻 Extra training through UiPath Academy:
Introduction to Automation
UiPath Business Automation Platform
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LF Energy Webinar: Carbon Data Specifications: Mechanisms to Improve Data Acc...
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Java is for many years one of the most popular programming languages, but it used to have hard times in the Serverless community. Java is known for its high cold start times and high memory footprint, comparing to other programming languages like Node.js and Python. In this talk I'll look at the general best practices and techniques we can use to decrease memory consumption, cold start times for Java Serverless development on AWS including GraalVM (Native Image) and AWS own offering SnapStart based on Firecracker microVM snapshot and restore and CRaC (Coordinated Restore at Checkpoint) runtime hooks. I'll also provide a lot of benchmarking on Lambda functions trying out various deployment package sizes, Lambda memory settings, Java compilation options and HTTP (a)synchronous clients and measure their impact on cold and warm start times.
“Temporal Event Neural Networks: A More Efficient Alternative to the Transfor...
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Main news related to the CCS TSI 2023 (2023/1695)
An English 🇬🇧 translation of a presentation to the speech I gave about the main changes brought by CCS TSI 2023 at the biggest Czech conference on Communications and signalling systems on Railways, which was held in Clarion Hotel Olomouc from 7th to 9th November 2023 (konferenceszt.cz). Attended by around 500 participants and 200 on-line followers.
The original Czech 🇨🇿 version of the presentation can be found here: https://www.slideshare.net/slideshow/hlavni-novinky-souvisejici-s-ccs-tsi-2023-2023-1695/269688092 .
The videorecording (in Czech) from the presentation is available here: https://youtu.be/WzjJWm4IyPk?si=SImb06tuXGb30BEH .
Demystifying Knowledge Management through Storytelling
The Department of Veteran Affairs (VA) invited Taylor Paschal, Knowledge & Information Management Consultant at Enterprise Knowledge, to speak at a Knowledge Management Lunch and Learn hosted on June 12, 2024. All Office of Administration staff were invited to attend and received professional development credit for participating in the voluntary event.
The objectives of the Lunch and Learn presentation were to:
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Credit Cards & Smart Cards - Darkside
- 1. CREDIT CARDS & SMART CARDS (the devil is in the details)
- 2. CREDIT CARDS • First Bankcard introduced in 1951 by Franklin National Bank, Long Island • Revolving card introduced in 1958: by many retail stores: Sears, JC Penneys, etc. • Types of Cards: – (1) 2-Party Card: oil, retail stores – (2) Bankcard: general purpose (initially all banks, now many companies)
- 3. Credit Cards • USERS: – (1) Convenience Users (20-30%) – (2) Borrowers (70-80%) • MARKET – U.S. – over 10,000 card issuers (25% banks) – U.S. – over 300 million VISA cards and another 300 million worldwide – Credit card receivables over 600B worldwide
- 4. Credit Cards • U.S. – over 750,000 secured credit cards in addition • Pricing: unregulated – 1978 Supreme Court Decision “Marquette National Bank v. First of Omaha – this eliminated price regulations, only subject to state usury laws in which credit card subsidiary is located (most popular: South Dakota, Delaware)
- 5. Credit Cards • Credit card receivables can be bundled and sold via securitization process (uniform pool which is very predictable) • ASIDE - 2 Fallacies – (1) minimum payment – (2) credit card limit
- 6. Credit Cards • Inspite of many buyers/sellers, credit card interest rates remain high • Some non-price competition: airline miles, dollars for cars, rebates • Merchant fees have fallen: originally 3% and now down to 1-1.5%
- 7. Credit Cards • 3 Explanations for persistently high rates: • (1) Search/switch costs • (2) customer irrationality • (3) Adverse selection – Ackerlof (1970) “market for lemons” – Received Nobel Prize in Economics None of explanations really convincing!
- 8. SMART CARDS • Smart Card is a card with a computer chip (as opposed to magnetic strip credit card) • First Chipcard introduced in France in 1974 “carte á memoire” • In late 1990s: wave of the future • Today: used in Hong Kong, France, Germany but generally for transportation, phone
- 9. Smart Card • Smart Card potential Use: – (1) Storage: medical information, financial information, personal information (privacy issues!) – (2) Money: currency exchange, parking meters, subway use, etc. – (3) Access: phone, internet, databases
- 10. Smart Card • For Smart Cards to work, need 2 things: • (1) Smart Card Readers : 25000 smart readers compared to over 25 million magnetic strip readers • (2) Cheap Card: magnetic strip card costs between 10-50 cents whereas smart card costs between $1-20
- 11. Smart Card • Smart Card: standardized contacts on front of card replace/supplement magnetic strip • Some require contact with card and pins in reader • Some use contactless laser technology (mostly for transit or quick use)
- 12. Smart Card • In US tested in late 1990s: • Tested in Atlanta during Olympics • Tested in NYC by Citibank • Tested in Milwaukee foodstores • Nissan – cars with a smart card • Utah – driver license with card
- 13. Smart Card • Probably not widely used in U.S. because of (1) cost and (2) get people to change • Smart Card producers: Gemplus, Schlumberger, Solaic • Silicon made by: Motorola, Seimens, SGS-Thompson • About 2 dozen companies working on smart card readers