Getting Out of PA-DSS Scope and Eliminating the High Cost of EMV: What you need to know
by Mike English
Executive Director, Product Development
Heartland Payment Systems
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
Muds Services:
1. Resolution of all queries regarding documents and procedural requirements.
2. End-to-end assistance in obtaining PP license from RBI.
3. Complete support in business plan development, IT Planning, and Application Filing.
4. Consultations and advisory for PCI DSS Compliance.
5. Advisory on Wallet Type (Closed & Semi-Closed, Open).
Payment Gateways in Kuwait - 2014 UpdateBurhan Khalid
This is my updated talk on payment gateway options available in Kuwait for 2014.
The talk was given at @sirdab_lab for the @startupq8 weekly coffee meetup.
EU Pays has been a reliable & affordable payment gateway service provider to varied business segments comprising of payment gateway solutions for tech support, thereby providing quality payment gateway services for technical support business.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
The Most Recommended Fintech Solution Providers 2020The Business Fame
"Welcome to The Business Fame’s exclusive edition, "The Most Recommended Fintech Solution Providers 2020" is our annual feature of the most Recommended Fintech solution providers in today's rapidly growing technology sector. Read on to meet these disruptors, innovators and prepare to be get inspired."
Founded in 2001, CCAvenue is the largest Payment Gateway in India today and currently powers more than 85% of the e-commerce merchants in the country. No wonder the majority of Indian e-commerce merchants choose CCAvenue, the tried and tested payment gateway over other newbie gateways with tall claims!
Affordable Care Act - Next Steps for RestaurateursMark Moreno
Understanding the ACA and “operationalizing” it in a
restaurant business will be challenging. The Treasury
Department and Internal Revenue Service published final
regulations in February and March that provide the rules
by which employers will comply with the employer-mandate
and employer-reporting requirements.
Order Granting Preliminary Injunction Sysco US FoodsMark Moreno
After considering the extensive record in this matter
and the parties’ legal arguments, the court finds that the FTC has carried its burden of showing that a preliminary injunction of the proposed merger between Sysco and US Foods is in the public interest. The FTC has shown that there is a reasonable probability that the proposed merger will
substantially impair competition in the national customer and local broadline markets and that the equities weigh in favor of injunctive relief. The court’s reasoning is set forth in the accompanying Memorandum Opinion. Because the Memorandum Opinion likely contains “competitively sensitive information” of Defendants and third parties, Protective Order Governing Confidential Material, ECF No. 87 ¶ 1, the court has issued the Memorandum Opinion under seal to allow the parties to propose redactions of competitively sensitive information. The parties shall meet and confer and present to the court proposed redactions to the Memorandum Opinion no later than 5:00 p.m. on June 25, 2015. After considering the proposed redactions, the court will issue a public version of the Memorandum Opinion on June 26, 2015.
Muds Services:
1. Resolution of all queries regarding documents and procedural requirements.
2. End-to-end assistance in obtaining PP license from RBI.
3. Complete support in business plan development, IT Planning, and Application Filing.
4. Consultations and advisory for PCI DSS Compliance.
5. Advisory on Wallet Type (Closed & Semi-Closed, Open).
Payment Gateways in Kuwait - 2014 UpdateBurhan Khalid
This is my updated talk on payment gateway options available in Kuwait for 2014.
The talk was given at @sirdab_lab for the @startupq8 weekly coffee meetup.
EU Pays has been a reliable & affordable payment gateway service provider to varied business segments comprising of payment gateway solutions for tech support, thereby providing quality payment gateway services for technical support business.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
The Most Recommended Fintech Solution Providers 2020The Business Fame
"Welcome to The Business Fame’s exclusive edition, "The Most Recommended Fintech Solution Providers 2020" is our annual feature of the most Recommended Fintech solution providers in today's rapidly growing technology sector. Read on to meet these disruptors, innovators and prepare to be get inspired."
Founded in 2001, CCAvenue is the largest Payment Gateway in India today and currently powers more than 85% of the e-commerce merchants in the country. No wonder the majority of Indian e-commerce merchants choose CCAvenue, the tried and tested payment gateway over other newbie gateways with tall claims!
Affordable Care Act - Next Steps for RestaurateursMark Moreno
Understanding the ACA and “operationalizing” it in a
restaurant business will be challenging. The Treasury
Department and Internal Revenue Service published final
regulations in February and March that provide the rules
by which employers will comply with the employer-mandate
and employer-reporting requirements.
Order Granting Preliminary Injunction Sysco US FoodsMark Moreno
After considering the extensive record in this matter
and the parties’ legal arguments, the court finds that the FTC has carried its burden of showing that a preliminary injunction of the proposed merger between Sysco and US Foods is in the public interest. The FTC has shown that there is a reasonable probability that the proposed merger will
substantially impair competition in the national customer and local broadline markets and that the equities weigh in favor of injunctive relief. The court’s reasoning is set forth in the accompanying Memorandum Opinion. Because the Memorandum Opinion likely contains “competitively sensitive information” of Defendants and third parties, Protective Order Governing Confidential Material, ECF No. 87 ¶ 1, the court has issued the Memorandum Opinion under seal to allow the parties to propose redactions of competitively sensitive information. The parties shall meet and confer and present to the court proposed redactions to the Memorandum Opinion no later than 5:00 p.m. on June 25, 2015. After considering the proposed redactions, the court will issue a public version of the Memorandum Opinion on June 26, 2015.
Memorandum Opinion Sysco US Foods Merger / AcquisitionMark Moreno
Americans eat outside of their homes with incredible frequency. The U.S. Department of Commerce, for instance, recently reported, for the first time since it began tracking such data, that Americans spent more money per month at restaurants and bars than in grocery stores. 1 Of course,
Americans eat out at many other places, too-sports arenas, school and workplace cafeterias, hotels and resorts, hospitals, and nursing homes, just to name a few. The foodservice distribution industry supplies food and related products to all of these locations. Foodservice distribution is
big business. In 2013, the market grew to $231 billion. By some estimates, there are over 16, 000 companies that compete in the foodservice distribution marketplace.
The two largest foodservice distribution companies in the country are Defendants Sysco
Corporation ("Sysco") and US Foods, Inc. ("USF"). Both are primarily "broadline" foodservice distributors. As the name implies, a broadline foodservice distributor sells and delivers a "broad" array of food and related products to just about anywhere food is consumed outside the home.
In 2013, Sysco's broadline sales were over 40 billion and USF's were over 20 billion.
Sysco - US Foods PROPOSED FINDINGS OF FACT AND CONCLUSIONS OF LAWMark Moreno
The evidence is overwhelming that the proposed merger is intended to capture the enormous efficiencies in excess of $1 billion in cost savings that will occur when Sysco and US
Foods combine These savings will enable the merged entity to compete more effectively including by lowering prices to the benefit of their customers. With the exception of handful of suspect customer and competitor declarations procured by the FTC speculating that prices might go up there is no evidence that prices will increase as result of the
The Facts; Busting the Grass-fed Beef MythsMark Moreno
Marketing claims that grass-fed beef is healthier or
more eco-friendly are a myth. Grain-fed and grassfed
beef are defined by production, marketing and
taste distinctions, not by nutritional or environmental
differences. The No. 1 reason consumers purchase beef
is taste. Grain-fed beef, like the Certified Angus Beef ®
brand, delivers the superior taste consumers desire.
Understanding the Different Kinds of Beef in the MarketplaceMark Moreno
The U.S. beef industry offers products that appeal to potential
customers. It accomplishes this through fresh beef identified
by different USDA quality grades (Prime, Choice and Select),
company brands and production methods (conventional, natural,
grass-finished and organic).
The taste, texture, tenderness and other properties of products
carrying these designations can vary, and marketers may
capitalize on the attributes that objectively describe their
products and their production methods. That’s the nature
of marketing.
It is important, though, that proponents of these types of
production methods not misrepresent their beef or beef from
animals raised conventionally. To claim conventional beef
is inferior because it contains minute additional quantities
of certain chemicals (e.g., hormones or pesticides), when the
amounts are insignificant and proven safe by science is not
appropriate. To say that grass-finished beef is superior because
it contains minute additional quantities of certain chemicals
(e.g., conjugated linoleic acid or vitamin E) when it is not
reasonably possible to eat enough to improve personal health,
also is not appropriate.
The U.S. beef industry has a wide variety of types of beef from
which consumers can choose, all of which are safe, wholesome
and nutritious. Conventional, natural, grass-finished and organic
beef are defined by production and marketing distinctions, not
by nutritional or safety differences.
http://www.beefresearch.org/CMDocs/BeefResearch/Beef%20Choices.pdf
The recent batch of mega retailers that have been compromised, including Target, Neiman Marcus and Michaels, has revealed just how vulnerable payment systems are. Even with sophisticated tools, strong security policies, updated regulatory requirements such as PCI v3 and other measures to mitigate these attacks, hackers are still able to compromise the systems by taking advantage of inherent vulnerabilities in payment systems.
In this webcast, payment systems expert Slava Gomzin, author of Hacking Point of Sale: Payment Application Secrets, Threats, and Solutions, will show us how retailers such as Target were compromised, what went wrong, failures in PCI to address all vulnerabilities and how these types of breaches can be prevented in the future.
Webcast participants will also receive a free sample chapter of Slava’s book on “Payment Application Architecture,” which provides a detailed overview of how payment systems work, protocols and their weaknesses.
Merchant tokenization and EMV® Secure Remote CommerceNetcetera
Talk by our expert Kurt Schmid about merchant tokenization and EMV® Secure Remote Commerce, held at MPE on 19 February 2019. Merchant Payments Ecosystems is a leading payment conference for merchants and PSPs.
Data Security, Fraud Prevention and PCI for Nonprofit Payment Processors in D...Stephanie Gutowski
Data Security, Fraud Prevention and PCI for Nonprofit Payment Processors in Drupal -
Stephen Bestbier (iATS), Aaron Crosman (Message Agency), Erik Mathy (Pantheon)
Credit card tokenization is an efficient way to handle your company's payment processing needs without having to make any sweeping changes to your current business.
ECMTA 2009 PCI Compliance and the Ecommerce MerchantMelanie Beam
Since the deadline for level 4 merchants to be in compliance is July 2010, I thought I\'d share this presentation I did in July of 2009 at the Ecommerce Summit.
From the eCommerce Summit in Atlanta June 3-4, 2009 where Mountain Media explains the topic of PC Compliance for online merchants. Visit http://www.ecmta.org to find out more.
Mako Networks is a Certified PCI DSS Level 1 Service Provider. Mako is able to more easily assist merchants comply with the requirements of PCI DSS in an efficient and cost effective way.
Credit card processing
https://www.highriskgateways.in/credit-card-processing/
Our credit card processing facility allows you to accept payments from customers around the world, using a variety of credit card brands, including Visa, MasterCard and Cirrus Maestro. In order to support your business, we take a unique approach to credit card payments, focusing on real-time processing, cardholder security, and online fraud prevention
How to Choose Right PCI SAQ for Your Business.pdfVISTA InfoSec
Confused about PCI SAQ options? This guide unravels the selection process to find the perfect fit for your business's payment processing and cardholder data handling.
This graphic explains what PCI compliance is, that is required for all companies that accept credit card transactions, and outlines the PCI Compliance Process.
FTC Complaint Sysco US Foods AcquisitionMark Moreno
Respondents are—by a wide margin—the two largest broadline foodservice distributors in the United States and each other’s closest competitor. Sysco and US Foods are the
only two broadline distributors with nationwide networks of distribution centers, making them the best options for customers with facilities spread across the country.
Respondents also compete fiercely with one another in numerous local areas to serve independent restaurants and other foodservice customers.
MEET THE REVOLUTIONARY VENDING MACHINE WITH TOUCHSCREEN TECHNOLOGYMark Moreno
DIJI-TOUCH MAKES VENDING OPERATIONS A TOUCH MORE EXCITING. THIS INTERACTIVE MACHINE TURNS EVERYDAY SNACKING INTO A DYNAMIC VENDING EXPERIENCE.
Touchscreen Technology—Easy and fun to use.
Unique Engagement—Entertaining advertising and promotional content create memorable user experiences.
Remotely Monitor Machine Status and Inventory—Enjoy full analytics and reporting at your disposal.
Purchasing any technology can be confusing, and this applies to the purchase of a point-of-sale (POS) System. This document will provide you with a checklist of questions and information you should have discussed and/or documented before or as part of your purchasing process. The first document is a checklist of questions you should ask, and the second is a definition of terms for your purchase agreement. Both of these documents will help protect you and your business and help ensure that you make an appropriate
purchase from a qualified POS Systems provider. It is intended to clarify the terms of your agreement and avoid any misunderstanding on the scope or services and terms of the purchase agreement.
Bermar America Put a Sparkle into Wine by the Glass SalesMark Moreno
About
We believe that wine-by-the-glass should be served as the wine maker intended, freshly hand poured from the bottle with craft.
Mission
Have you ever been served a bad glass of wine ? Our mission is to help hospitality operators guarantee that they never serve that inferior experience, and to help them create 'moments of magic' in their wine service. We believe that the art and science of wine service should strive to elevate the wine experience to maximize enjoyment.
Description
At Bermar America we believe that wine-by-the-glass should be served fresh, and hand poured with craft just as a wine maker intended. We are committed to helping wine professionals create these ' moments of magic' with their wine service, and deliver the finest quality wine experience for their guests, . We provide our unique high precision wine preservation technology , Le Verre de Vin and Pod ...
General Information
Wine Preservation Systems and a company that stands for quality, service, education, and great wine!
a retrofit device developed by The
Madison Energy Group and a leading product
development company which reduces the energy
consumption of commercial grade coolers and
freezers.
Commercial refrigerators waste 15-30% of their
energy on up to 60% more cycles than necessary to
maintain food temperature at the appropriate
level.
Thermostats measure air temperature instead of
food temperature (air is less dense and fluctuates
significantly more
Reduced CO2 emissions
Reduced energy consumption
Endorsed by the Green Restaurant Association
@MadisonEnergy
Restaurant Trends 2014 by Restaurant BriefingMark Moreno
Hudson RieHle, Senior VP, Research & Knowledge Group, National Restaurant Association, predicts that the oPeRATinG enViRonMenT FoR ResTAuRAnTs in 2014 will continue on the same positive – but modest – growth path. “Overall, we’re certainly not looking at a rebound to prosperity, but things are headed in the right direction. Last year was the fourth consecutive year of growth for the restaurant industry, although modest. Moving into 2014, economic indicators such as real domestic product, real
disposable income, and employment growth remain positive.” Employment growth – which Hudson says shows signs of being somewhat higher in 2014 – is especially key for the industry because even a small uptick in employment translates into a greater ability for consumers to spend in restaurants.
Food & Water Watch Comment on Proposed Sysco US Foods MergerMark Moreno
Washington, D.C. — In response to the latest news of giant food corporations seeking to further consolidate, Food & Water Watch demanded that the U.S. Federal Trade Commission undertake a thorough and comprehensive analysis of the proposed merger between the two biggest U.S. foodservice distribution firms: Sysco Corp. and US Foods Holding Corp. These companies deliver food to restaurants, schools, hotels and other cafeteria and hospitality establishments.
In a letter sent yesterday to FTC Bureau of Competition Director Deborah Feinstein, Food & Water Watch outlines several antitrust concerns with the proposed corporate union that deserve close scrutiny; requests the agency to oppose the early termination of the antitrust review and urges federal regulators to extend the merger waiting period to thoroughly review the implications of the proposed merger. Food & Water Watch http://www.foodandwaterwatch.org/pressreleases/food-water-watch-slams-sysco-us-foods-merger/
Interesting mobile option to engage customers. Opt4Text™ is the premiere custom Mobile Marketing provider for your business. Text message marketing instantly connects your brand with your audience. The best part is that your message is as relevant as the moment you hit the send button.
You can link to a mobile website to utilize pictures, videos, songs or ringtones! No longer are the days of expired coupons or wishes that you were able to tell your audience about a emergency or special. It's time to call your audience into action!
HOUSTON, TX and ROSEMONT, IL – December 9, 2013 – Sysco Corporation [NYSE: SYY] and US Foods today announced an agreement to merge, creating a world-class foodservice company. The total enterprise value of the transaction is approximately $8.2 billion and the combination has been approved by the Board of Directors of each company.
One chef’s knife has been a champ in our kitchen for nearly two decades.
Can any other blade come close to offering what it does—and at a bargain price?
by Hannah Crowley
Therma-Tek Range Corporation may appear to be a new company in the market, but our tradition and combined experience spans more than 100 years. The owners are seasoned professionals in the design, development, manufacture and sale of commercial foodservice equipment. After selling and re-capitalizing their prior company; which was another well known and established manufacturer of residential and commercial cooking equipment, the owners decided to continue their tradition of success in manufacturing the highest quality foodservice cooking equipment with the formation of Therma-Tek Range Corporation. Our products carry this experience behind them, which sets them far ahead of our competition. The company represents quality, strength and performance, backed by unparalleled warranty and continued service. We carry a reputation in the marketplace for developing and delivering quality, value conscious, innovative products in a timely manner. We continuously emphasize research and development, as well as cutting edge product development, with a close understanding of market trends and needs.
Mercer—a company name highly regarded in the culinary
trade—is synonymous with quality, professional cutlery. A leader in the commercial market for more than 30 years, and the predominant supplier to more than 90% of culinary academies
in North America, Mercer brings you the finest tools used by
the industry.
World renowned commercially, Mercer historically supplied culinary education and professional chefs who have come to rely on the company for its distinct product offerings. Working closely with chef educators, chefs, and the leaders in this industry, Mercer constantly develops and expands its product lines to fulfill their needs. As the trend in the culinary arts continues to gain popularity, Mercer's new product offerings have allowed the company to expand its brand from the broadening professional base and to crossover into the consumer market. The ever-more-sophisticated home consumers are seeking those products used by the professionals. With a growing business in retail cutlery through gourmet, specialty, and department stores, Mercer's products are squarely positioned as high quality professional grade, but with a distinct value advantage.
The hallmark of Mercer's cutlery: exceptional quality in materials, unique design, and dedicated craftsmanship, honed to the exacting performance needs of the discriminating chef makes our products the undeniable choice for the professional and the enthusiast. Mercer is committed to delivering products and services that you can build on and
grow with.
Mercer Cutlery is a division of Mercer Tool Corp. This third generation family business which began as a small industrial company has evolved into a corporation with two distinct product ranges: Mercer Abrasives (www.mercerabrasives.com), the original industrial division offering bonded abrasives, coated abrasives and related products; and Mercer Cutlery, offering professional quality culinary tools and sets.
Today, Mercer's corporate commitment is summarized in these five words: Quality, Performance, Delivery, Service, and Price. The company will continue to offer products people know, use, and trust.
If you have comments, questions, or suggestions about Mercer, this website or any of our products, please e-mail us at: info@mercercutlery.com
Mercer—a company name highly regarded in the culinary
trade—is synonymous with quality, professional cutlery. A leader in the commercial market for more than 30 years, and the predominant supplier to more than 90% of culinary academies
in North America, Mercer brings you the finest tools used by
the industry.
World renowned commercially, Mercer historically supplied culinary education and professional chefs who have come to rely on the company for its distinct product offerings. Working closely with chef educators, chefs, and the leaders in this industry, Mercer constantly develops and expands its product lines to fulfill their needs. As the trend in the culinary arts continues to gain popularity, Mercer's new product offerings have allowed the company to expand its brand from the broadening professional base and to crossover into the consumer market. The ever-more-sophisticated home consumers are seeking those products used by the professionals. With a growing business in retail cutlery through gourmet, specialty, and department stores, Mercer's products are squarely positioned as high quality professional grade, but with a distinct value advantage.
The hallmark of Mercer's cutlery: exceptional quality in materials, unique design, and dedicated craftsmanship, honed to the exacting performance needs of the discriminating chef makes our products the undeniable choice for the professional and the enthusiast. Mercer is committed to delivering products and services that you can build on and
grow with.
Browne Foodservice Stainless Steel Can OpenerMark Moreno
Professional CAN OPENER STAINLESS STEEL SHAFT
*Stainless steel shaft
*Opens cans up to 27.9cm (11”)
*Handle has a comfortable free-spin grip
*Plated steel mounting platform with clamp
*Heat-treated gear for extra durability
*Reversible knife provides longer service;
*replacement gears & knives available
ALL-IN-1 BAR STATION CONDIMENT HOLDER w/ Salt Rimmer Summer is here, outside dining and bars are all ramped up. This is the perfect item to all who serve outside around the pool, cabana, beach house, lodge, roof top, sidewalk, etc. #Restaurants
Welcome to Sweet Endings
we are known for our unique variety of made by hand desserts. Our scratch-baked recipes use the freshest premium quality all-natural ingredients, pure cane sugar, fresh grade AA butter, fresh whipping cream, whole eggs, real cream cheese, pure chocolate, freshly roasted nuts, freshly squeezed juices and fruits; all combined make our extraordinary desserts. http://www.sweetendingsdesserts.com
Plenty of bad news has been published recently about deep frying and the detrimental
health effects of trans fats commonly associated with frying oils. What is rarely pointed
out in the popular press is that the nutrition value in deep fried foods varies widely in
practice and depends on the type of food, the quality of cooking oil, and frying time and
temperature.
This was a restaurant plan/proposal that was built by a high school senior and her team for a project for Virginia FCCLA Star Events Competition. This was a very detailed plan for a prospective restaurant that rivals any that I have seen.
Cookware
Browne-Halco offers an extensive selection of professional quality cookware in Stainless Steel, Aluminum and Cast Iron.
Stainless steel with a clad aluminum disk base provides all-round value in cookware. It cleans easily, has good heat conductivity and will not react with acidic foods.
Aluminum cookware has excellent heat conductivity and is less expensive than most other types of cookware.
Cast Iron cookware is relatively inexpensive and extremely durable. Very good for frying and long, slow cooking.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
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USA WEB MARKET is the Best Verified PayPal, Payoneer, Cash App, Skrill, Neteller, Stripe Account and SEO, SMM Service provider.100%Satisfection granted.100% replacement Granted.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Accpac to QuickBooks Conversion Navigating the Transition with Online Account...PaulBryant58
This article provides a comprehensive guide on how to
effectively manage the convert Accpac to QuickBooks , with a particular focus on utilizing online accounting services to streamline the process.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
2. Getting Out of Scope and Eliminating the High Cost of EMV
heartlandpaymentsystems.com 2
EMV Is Here and Is Costly to VARs, ISVs
and Businesses with “Homegrown” POS
With EMV1
timelines quickly approaching for the
restaurant, retail, petro and convenience industries,
POS system providers, pump providers, merchants and
businesses are preparing for the October 2015 liability
shift for in-store systems and the October 2017 liability
shift for automated fuel dispensers (AFDs). As businesses
become acquainted with EMV and the necessary system
enhancements to support EMV, they soon learn that EMV
can be a time-intensive and costly endeavor.
In a traditional configuration, after integrating EMVCo-
certified payment peripherals and updating systems to
accept and manage EMV transactions, the merchant
or vendor will connect to the acquirer or processor’s
certification environment, which is linked to the EMV
certification test systems for Visa, MasterCard, American
Express and Discover. Using an EMVCo-certified Level I
and II device, the vendor or merchant will need to run
about 120 test transactions for contact EMV and 150 test
transactions for EMV contactless to obtain certifications.
For a POS system, costs include the first contact-only EMV
POS certification fees, plus any fees charged by a processor
to support the certification. This does not include the cost
of EMV transaction management code development, POS
upgrades, installation, or other necessary expenditures.
Optimistically, the time frame to code, test and certify
for EMV is more than seven and a half months. However,
the initial development and certification will likely take
longer because of the intricacies in online and offline
PIN management that take time to code and test. Also,
many parts of this certification process and cost need to
be repeated for each processor and each card brand to
which the POS system certifies. To a degree, each POS or
AFD configuration must also be repeated. The time frame
indicated includes only EMV credit because open questions
related to EMV debit haven’t been resolved by the industry.
The cost for EMV certification is staggering—tens of
thousands of dollars.
1
EMV stands for Europay, MasterCard and Visa, a global standard for
interoperation of integrated circuit cards (IC cards or “chip cards”) and IC
card-capable point-of-sale (POS) terminals and automated teller machines
(ATMs), for authenticating credit and debit card transactions.
There are four major concerns every Value-Added Reseller (VAR), Independent Software Vendor (ISV),
and businesses with “homegrown” POS systems that accept cards has today:
ƒƒ The high cost of achieving and maintaining PCI, specifically PA-DSS validation and compliance
ƒƒ Keeping current with changes in payment technology and mandates
ƒƒ The risk of having your customers’ card data hacked/stolen
ƒƒ The high cost and complexity of developing and certifying EMV
Heartland has solutions for VARs, ISVs and businesses accepting cards that eliminate the risk of stolen data and
eliminate a POS system’s PA-DSS scope as well as pave a road to seamlessly implementing EMV. This paper offers
third-party POS providers, VARs, ISVs, and businesses with “homegrown” payment acceptance the information
they need to manage cost and compliance.
3. Getting Out of Scope and Eliminating the High Cost of EMV
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There Is a Better Road to EMV
Fortunately, there is a way to eliminate the cost, time and
complexity of EMV development and compliance. While
not new, an Out-of-Scope approach to in-store payment
has taken on new value as a solution for EMV acceptance
and as a way to take a POS system out of PA-DSS scope.
In a traditional POS system configuration, the PIN pad
is directly connected to the POS system and sends the
payment information to the POS for authorization.
The POS system receives the authorization back from the
acquirer or processor and concludes the transaction. In this
configuration, the POS system is in PCI PA-DSS scope and
the POS system is responsible for EMV certifications.
Traditional Payment Configuration
Out-of-Scope Configuration
In an Out-of-Scope configuration, the PIN pad or signature
capture/PIN pad receives a prompt from the POS system
to start payment acceptance, and instead of sending the
payment information to the POS, the PIN pad sends the
transaction directly to the acquirer for approval. In this
configuration, manual entry can be done on the PIN pad
to keep the POS system out of PA-DSS scope.
The PIN pad receives the authorization response back
from the acquirer or processor and passes it on to the POS
system. This configuration takes the POS system out of the
payment authorization process. The POS is notified of the
transaction, but no cardholder data is sent to the POS, thus
taking the POS system out of PA-DSS scope.
Heartland
Payment terminal
sends cardholder data
to POS system
1 POS sends transaction data
(cardholder data) to processor
Processor returns authorization
response to POS system
2 3
POS
Terminal
POS System
is in scope
for PCI PA-DSS
POS System is
out of scope
for PCI PA-DSS
Heartland
POS
Terminal
POS system sends
request to EMV terminal
for payment acceptance
EMV terminal sends transaction
request (cardholder data) directly
to processor for authorization
1 Processor returns authorization—
terminal passes response to
POS system to finish transaction
2 3
or or
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Getting and Staying PCI Out of Scope
An Out-of-Scope configuration eliminates the POS system’s
PCI scope, specifically PA-DSS2
scope. When payment
services are provided as part of the POS system, the POS
system provider incurs costs to become PA-DSS validated
as well as continual costs to maintain card brand mandates.
In the case of an Out-of-Scope configuration, PCI scope
is maintained by Heartland and our solution partners,
alleviating that burden from the POS system.
ƒƒ Eliminates POS system’s PA-DSS scope by removing
acceptance and management of card data
ƒƒ The VAR or ISV’s scope is eliminated if all card
acceptance and processing are completed at the
acceptance device
ƒƒ Without card data, the POS is no longer considered
a payment application
Eliminating card data does not take a merchant
out of PCI scope, but does significantly reduce their
PA-DSS scope. The merchant’s PCI scope is reduced when
encrypting card data and eliminating PA-DSS. The number
of PCI SAQ P2PE-HW questions to which a business need
to respond from 230 to 18!4
For businesses with an in-house POS solution, Heartland
Secure and an Out-of-Scope configuration take major
portions of your infrastructure out of PA-DSS scope and
minimize PCI compliance to the very basics of perimeter
security. Providing that the business no longer has access
to any clear text card data, overall PCI scope and associated
costs are reduced by 70-80%.
2
Payment Application Data Security Standard (PA-DSS) is a set of requirements that
are intended to help software vendors develop secure payment applications that
support PCI DSS compliance.
3
http://pciguru.wordpress.com/2010/04/10/open-source-pa-dss-certification/
4
http://pcisecuritystandards.org/documents/PCI_SAQ_P2PE-HW_v2.pdf
The value of an Out-of-Scope configuration for a POS
provider and the merchant is immense. When integrating
EMV support with acquirers and processors, third parties
and merchants incur a high cost per endpoint to become
EMV-certified. The Out-of-Scope configuration eliminates
the need for the POS system to code for EMV,
as well as removes the need to certify the POS system
to the card brands for EMV. Why? Whoever wrote the
payment application residing on the PIN pad in an Out-of-
Scope configuration is responsible for EMV certification.
The POS system may still need to be certified to the
acquirer or processor, but the process takes far less time
and not for EMV. The POS system simply makes calls to the
payment device to begin the payment acceptance process.
Seamlessly Implementing EMV
Has Immense Payback
ƒƒ Our Out-of-Scope offerings eliminate the need for POS
systems to develop for EMV acceptance and incur card
brand certification costs
ƒƒ Speeds time to market and greatly reduces development
costs associated with EMV support
ƒƒ Eliminates the POS systems’ need to support current and
future payment mandates
ƒƒ Solution can get VARs, ISVs and businesses with
a “homegrown” POS system to market with an EMV
solution quicker than their competitors
“…most PA-DSS certifications cost at least
$30,000 or more depending on the complexity
of the application and the number of
platforms involved…”3
5. Getting Out of Scope and Eliminating the High Cost of EMV
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The vast majority of breaches occurred at
businesses with fewer than 1,000 employees.
The average cost per breach for an SMB is up
to $500,000, forcing many out of business.
Heartland Secure protects a business and their
customers’ card data from breaches through
end-to-end encryption, EMV and tokenization.
Heartland Secure
At the core of this powerful PCI avoidance offering—and
seamless manner of implementing EMV—is Heartland
Secure. Heartland Secure consists of E3 end-to-end
encryption, EMV and tokenization. It eliminates PCI
scope by encrypting card data within a secure acceptance,
thus taking the card data out of the transaction and the
business’s ecosystem.
Heartland Secure is what PCI was meant to be—helping
merchants and businesses manage the risk of payment
acceptance through the removal of card data from the
merchant’s network. Heartland Secure. No card data.
No risk.
Encryption’s Impact on PCI Scope Reduction
Heartland Secure and our Out-of-Scope solutions do
not remove a merchant from the requirement to be
PCI compliant. A merchant is responsible to validate
compliance to their acquirer, often through a qualified
QSA or ISA. As stated earlier, the merchant’s PCI scope is
greatly reduced when encrypting card data and eliminating
PA-DSS. These actions reduces the number of PCI SAQ
P2PE-HW questions to which a business needs to respond
from 230 to 18! It is important to note that PCI DSS always
applies to any and all merchants that accept card data. All
applicable PCI DSS requirements for card data in scope
apply if the following is true:
ƒƒ If encrypted cardholder data is stored on a system, media
or environment that also contains the decryption key
ƒƒ If encrypted data is accessible to an entity that also has
access to the decryption key
When Is Encrypted Cardholder Data
Out of Scope?
Encryption of cardholder data with strong cryptography
is an acceptable method of rendering the data unreadable
in order to meet PCI DSS Requirement 3.4. The PCI SSC
states, “Encrypted data may be deemed out of scope if, and
only if, it has been validated by a QSA or ISA that the entity
that possesses encrypted cardholder data does not have
the means to decrypt it.”
If a merchant encrypts cardholder data but does not
possess the means to decrypt it, the cardholder data
is not considered in scope once it has been encrypted.
The best means to encrypt cardholder data is within a
terminal or PIN pad that is PCI PIN Transaction
Security (PTS) certified.
ƒƒ An encrypted PAN is still defined as cardholder data
and in scope for PCI DSS compliance if the merchant
has access to key and ability to decrypt data
ƒƒ If a merchant has no ability to decrypt encrypted
data, the encrypted data is not card data and is NOT
in scope of PCI
ƒƒ Systems that transmit, process and store such encrypted
data are not in scope
ƒƒ Encryption removes clear text card data at point
of entry to eliminate PCI scope risk
ƒƒ By removing clear card data from the merchant’s
environment, the opportunity for monetization of
the card data is also eliminated
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5
https://www.pcisecuritystandards.org/documents/Tokenization_Guidelines_
Info_Supplement.pdf
6
https://www.pcisecuritystandards.org/documents/Tokenization_Guidelines_
Info_Supplement.pdf
Tokenization’s Impact on PCI Scope Reduction
Tokenization, which is a way of replacing sensitive
data like credit card numbers with tokens, is one of the
data protection and audit scope reduction methods
that is recommended by PCI DSS.5
The use of tokens for
post-authorization operations such as returns, chargebacks,
recurring payments, sales reports, analytics or marketing
programs eliminates the storage of the PAN and subsequent
use of the PAN. Tokenization takes applications and
systems for these business processes out of PCI scope.
However, per the Information Supplement: PCI DSS
Tokenization Guidelines that were published by PCI in
August 2011, “Tokenization solutions do not eliminate
the need to maintain and validate PCI DSS compliance,
but they may simplify a merchant’s validation efforts by
reducing the number of system components for which
PCI DSS requirements apply.”6
Per the PCI DSS Tokenization Guidelines, PCI Data
Security Standard (PCI DSS), Version 2, published
in August 2011:
In PCI scope…
ƒƒ All elements of the tokenization system and tokenization
process, including de-tokenization and PAN storage,
are considered part of the cardholder data environment
(CDE) and are in scope for PCI DSS
ƒƒ Any system component or process with access to the
tokenization system or the tokenization/de-tokenization
process is considered in scope
Out of PCI scope are system components that...
ƒƒ are adequately isolated from the tokenization
system and the CDE
ƒƒ store, process or transmit only tokens
ƒƒ do not store, process, or transmit any
cardholder data or sensitive authentication data
ƒƒ may be considered outside of the CDE and possibly
out of scope for PCI DSS
Heartland’s Comprehensive Breach Warranty
Unparalleled in the industry, Heartland is offering
merchants the first-ever comprehensive breach warranty.
Going beyond breach insurance, Heartland’s warranty
protects businesses from being financially liable in case
of a breach of card information.
To be covered under the warranty, a business must have
a Heartland Secure-certified device and process payments
through Heartland.
The Heartland breach warranty is straightforward. In the
case of expenses incurred due to a data breach of card
information, Heartland will reimburse the merchant for
all costs, compliance fines and penalties a merchant must
pay to the card brands, issuing bank or acquiring bank as
well the amount paid for a directly related forensic audit
conducted by a Qualified Incident Response Assessor.
Summary
As a leader in secure payment acceptance, Heartland has
solutions for VARs, ISVs and businesses accepting cards
that eliminate or reduce scope as well as pave the path
to seamlessly implementing EMV. We are working with
leading hardware vendors as well as strategic third parties
to help reduce the cost, complexity and risk associated with
PA-DSS compliance and EMV acceptance.
Combined with Heartland Secure, our solutions, and our
partners’ solutions, we help our customers to be more
secure in knowing that Out of Scope is a reality and EMV
does not need to be painful.