Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free guide for merchants to protect themselves online & POS and to reduce their exposure to chargebacks and losses due to fraud.
• Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Anyone conducting online transactions runs a risk of being defrauded. This article outlines specific things you can look out for and steps you can take to minimize that risk.
Anyone conducting online transactions runs a risk of being defrauded. This article outlines specific things you can look out for and steps you can take to minimize that risk.
Dealing with the hassles of credit card fraud or identity theft can be frustrating and time consuming. This training will provide tips on how to protect yourself, your clients and your loved ones.
As India braces for a future of digital payments, how secure is your account from payment frauds? Here is a list of such frauds that you must watch out for!
Payforit and Mobile Casinos: The Ultimate GuideDroid Slots
Payforit is a mobile payment method which allows uers to pay with their mobile phone account. When users choose Payforit, the charge is added to their mobile phone bill or deducted from their prepaid credit.
Payforit is a set of payment flows and a trustmark; developed by the four UK Mobile Network Operators – Three, Vodafone, EE and O2, as well as PhonepayPlus.
This guide explains everything you need to know about the scheme, and how it is offered at mobile casinos.
Howtodiscuss.com where can i load my cash app card (1)Hospitalityplus1
You can load your cash app card at grocery
store, check cashiers, and convenience stores. The Cash App can be loaded on Walmart,
Walgreens, Rite-Aid, 7-Eleven and CVS.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The Attitude towards E-Learning Blogs among the Students at Taibah University...Taghreed Alrehaili
This study aimed at investigating attitude towards e-learning blogs among the students at Taibah University in learning "University Life Skills". The study employed case study method. The population of the study consisted of all female students in preparatory year at Taibah University for the academic year 1433- 1434 H, whereas the study sample was 73 female students from the path of Health Sciences Preparatory Year at Taibah University in Madinah. An e-learning blog was prepared and used to measure attitudes towards the use of e- learning blogs to learn "University Life Skills". The most important results of the study were there were statistically significant differences at (0.05 ≥ α) level between the mean scores of the pre and post applications of attitude of the experimental group at these levels in favor of the post application. In the light of the results of the study, the most important recommendation was: training courses for faculty and students in Saudi Universities on the use of E- Learning Blogs.
With greater dependency on external providers due to factors such as outsourcing, off-shoring, and cloud computing, vendor relationships have become more complex in recent years. Vendor management can be one of your company’s strengths, or if done poorly, a weakness. Having the right processes and the necessary tools will guarantee that your vendor management is an asset, not a liability. This presentation will explain how to build, maintain, and use a supporting “toolbox” for all vendor management-related activities such as recruiting, evaluating, performance tracking, and training.
Dealing with the hassles of credit card fraud or identity theft can be frustrating and time consuming. This training will provide tips on how to protect yourself, your clients and your loved ones.
As India braces for a future of digital payments, how secure is your account from payment frauds? Here is a list of such frauds that you must watch out for!
Payforit and Mobile Casinos: The Ultimate GuideDroid Slots
Payforit is a mobile payment method which allows uers to pay with their mobile phone account. When users choose Payforit, the charge is added to their mobile phone bill or deducted from their prepaid credit.
Payforit is a set of payment flows and a trustmark; developed by the four UK Mobile Network Operators – Three, Vodafone, EE and O2, as well as PhonepayPlus.
This guide explains everything you need to know about the scheme, and how it is offered at mobile casinos.
Howtodiscuss.com where can i load my cash app card (1)Hospitalityplus1
You can load your cash app card at grocery
store, check cashiers, and convenience stores. The Cash App can be loaded on Walmart,
Walgreens, Rite-Aid, 7-Eleven and CVS.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The Attitude towards E-Learning Blogs among the Students at Taibah University...Taghreed Alrehaili
This study aimed at investigating attitude towards e-learning blogs among the students at Taibah University in learning "University Life Skills". The study employed case study method. The population of the study consisted of all female students in preparatory year at Taibah University for the academic year 1433- 1434 H, whereas the study sample was 73 female students from the path of Health Sciences Preparatory Year at Taibah University in Madinah. An e-learning blog was prepared and used to measure attitudes towards the use of e- learning blogs to learn "University Life Skills". The most important results of the study were there were statistically significant differences at (0.05 ≥ α) level between the mean scores of the pre and post applications of attitude of the experimental group at these levels in favor of the post application. In the light of the results of the study, the most important recommendation was: training courses for faculty and students in Saudi Universities on the use of E- Learning Blogs.
With greater dependency on external providers due to factors such as outsourcing, off-shoring, and cloud computing, vendor relationships have become more complex in recent years. Vendor management can be one of your company’s strengths, or if done poorly, a weakness. Having the right processes and the necessary tools will guarantee that your vendor management is an asset, not a liability. This presentation will explain how to build, maintain, and use a supporting “toolbox” for all vendor management-related activities such as recruiting, evaluating, performance tracking, and training.
Two Tools for Switching from EnergyCAP Enterprise to EnergyCAP OnlineEnergyCAP, Inc.
If your organization is currently running EnergyCAP Enterprise, but are interested in efficiently switching to EnergyCAP Online, two tools to help are Distributions and Audit 52. Presented by David Ulmer at the Catalyst Training Conference by EnergyCAP, Inc.
Find out how smart retailers are recouping all monies due via chargebacks, rebates, and other incentive programs – with auditors – with solution extensions from SAP. The SAP Incentive Administration and SAP Paybacks and Chargebacks applications automate and streamline the complex processes involved.
TRIPLE M = Method for rapid Analysis, Visualization and Documentation of value-generating end-to-end business processes:
“Brown paper” Method – no Investment
Visual – no specific tool or software
Intuitive - easy to learn and use by employees
Effective - enables analysis of the problem and impact
Integrative – adds the information flow in Business Processes
Transparent - degree of IT support
Holistic view – Management’s view
Driven by Measures - KPIs: Quality, Time and Costs
Best practices for efficient handling of retrievals chargebacksJavabynataraJ
Electronic Payments of Best Practices for efficient handling of retrievals chargebacks. We can understand more on Online payments and how the transactions done.
How to implement a strategic IT vendor management programJeff Kubacki
CIO's and their IT leadership teams should focus more time on a strategic IT vendor management program. After doing this for 8 years by conducting annual IT vendor days and implementing World Class IT principles, I decided to share what has worked and why it is important in the transition to becoming strategic business partners.
Key Performance Indicators: Valuable Tools for Measuring PerformanceVesta Corporation
Key performance indicators, or KPIs, can be a valuable tool to help companies evaluate how they are performing. This presentation examines how KPI rates and indicators are calculated, why they can vary from business to business, and when not to compare KPIs to others in the industry. A handy checklist is included to help companies ensure their KPIs support their business needs, as well as how existing KPIs can be refined and thoughts on developing a forward-looking KPI strategy to evolve as the business does.
Visit www.trustvesta.com to view the integrated fraud and guaranteed payments solutions available to your organization.
Every organization has a unique performance appraisal process, with its own review or workflow steps. Farsight's automated appraisal workflow management tool makes it easy for you to automate your current process and adapt it tomorrow to meet your changing needs.
Our Performance Management tool kit provides an overview of Performance Management and useful tips for conducting successful, year-round performance evaluation.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Are You Vulnerable to Credit Card Fraud? Follow These 6 Preventive StepsScamchargeback
Being a victim of credit card fraud is no doubt an incredibly frustrating experience. When you hear news of a huge security breach at a well-known retail giant or someone stealing another person’s information and making unauthorized purchases, you can’t help but feel vulnerable knowing that there’s always a possibility of getting tricked by fraudsters.
However, while scammers devise sneaky methods to lure you into giving out your card information and personal details, there are ways for you to bolster your protection against fraud.
Always be cautious and follow these steps to prevent credit card fraud.
Payment Card Cashiering for Local Governments 2016Donald E. Hester
Slides cover PCI compliance training for cashiers covering topics from Payment Card Industry Data Security Standard (PCI DSS), supplemental guidance provided by Payment Card Industry Security Standards Council (PCI SSC), Visa's Card Acceptance Guidelines for Visa Merchants, and MasterCard’s Security Rules and Procedures Merchant Edition 2011.
How Credit Card Fraud Happens and How You Can Protect YourselfDigital EYE Media
Often a simple transaction is responsible for a crime that can potentially turn a credit card holder’s life completely upside down. Learn how to protect yourself from identity theft.
Ultimate Guide on Card Not Present (CNP) Fraud.pptxFTx Identity
Protect your business and customers from CNP fraud with this comprehensive guide, and learn the types, techniques, and prevention methods to protect your customers' data.
Over 40% of businesses in the UK have experienced fraud in the last year.
This practical guide gives you the information you need to help protect your business against growing threats of fraud.
We show you how and where fraud can take place throughout your business and highlight the "telltale" things to look out for.
We’ve also included key actions you should take to safeguard yourself and your business.
Taking some very basic steps can make a real difference to fraudsters’ success rates.
Whether you are a client of not I do hope that this guide helps business avoid being another statistic of crime this year.
Louise hunt.com-faceless fraudsters 5 helpful tips (1)Louise Hunt
We don’t know these fraudsters, these faceless people with no name or shame. What we do know is: they want our money. £7 in every £10 of attempted fraud is being stopped. Fraud is big business and if the figures tell us one thing – We need to be more vigilant than ever.
Similar to Small Businesses: Tips to Avoiding Fraudulent Chargebacks (20)
This report solely belongs to Symantec. Credit is due to all original authors and no financial gain was made from the report, Simply sharing for educational purposes,
The FBI is the lead federal agency for investigating malicious cyber activity by criminals, nation-state adversaries, and terrorists. To fulfill this mission, the FBI often develops resources to enhance operations and collaboration. One such resource is the FBI’s Internet Crime Complaint Center (IC3) which provides the public with a trustworthy and convenient mechanism for reporting information concerning suspected Internet-facilitated criminal activity. At the end of every year, the IC3 collates information collected into an annual report.
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
This guide aims to help journalists understand their rights at protests and avoid arrest when reporting on these events. It summarizes the legal landscape and provides strategies and tools to help journalists avoid incidents with police and navigate them successfully should they arise. Credit RCFP.Org
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
Verizon Publishes 2020 Data Breach Investigation Report (DBIR) With Insights From Thousands of Confirmed Breaches. Verizon's 2020 Data Breach Investigations Report (DBIR) is the most extensive yet, with 81 contributing organizations, and more than 32,000 incidents analyzed (of which 3,950 were confirmed breaches). Credit:Verizon
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
A Resource Guide to theU.S. Foreign Corrupt Practices Act
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
The FTC takes in reports from consumers about problems they experience in the marketplace. The reportsare stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to lawenforcement. While the FTC does not intervene in individual consumer disputes, its law enforcementpartners – whether they are down the street, across the nation, or around the world – can use informationin the database to spot trends, identify questionable business practices and targets, and enforce the law.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
Below is a list of consumer reporting companies updated for 2019.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three nationwide consumer reporting companies and several other reporting companies that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute suspected inaccuracies in your reports with companies as needed.
Advisory to Financial Institutions on Illicit Financial Schemes and Methods R...- Mark - Fullbright
Transnational criminal organizations (TCOs), foreign fentanyl suppliers, and Internet purchasers located in the United States engage in the trafficking of fentanyl, fentanyl analogues, and other synthetic opioids and the subsequent laundering of the proceeds from such illegal sales.
The mission of the IC3 is to provide the public with a reliable and convenient reporting mechanism to submit information to the FBI concerning suspected Internet-facilitated criminal activity, and to develop effective alliances with industry partners. Information is analyzed and disseminated for investigative and intelligence purposes, for law enforcement, and for public awareness.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
This report is built upon analysis of 41,686 security incidents, of which 2,013 were confirmed data breaches. We will take a look at how results are changing (or not) over the years as well as digging into the overall threat landscape and the actors, actions, and assets that are present in breaches. Windows into the most common pairs of threat actions and affected assets also are provided.
The Federal Trade Commission (FTC or Commission) is an independent U.S. law enforcement agency charged with protecting consumers and enhancing competition across broad sectors of the economy. The FTC’s primary legal authority comes from Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices in the marketplace. The FTC also has authority to enforce a variety of sector specific laws, including the Truth in Lending Act, the CAN-SPAM Act, the Children’s Online Privacy Protection Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Telemarketing and Consumer Fraud and Abuse Prevention Act. This broad authority allows the Commission
to address a wide array of practices affecting consumers, including those that emerge with the development of new technologies and business models.
Sentinel sorts consumer reports into 29 top categories. Appendices B1 – B3 describe the categories,providing details, and three year figures. To reflect marketplace changes, new categories or subcategories are created or deleted over time.The Consumer Sentinel Network Data Book excludes the National Do Not Call Registry. A separate report about these complaint statistics is available at: https://www.ftc.gov/reports/national-do-not-call-registry-data-book-fiscal-year-2018. The Sentinel Data Book also excludes reports about unsolicited commercial email.Consumers can report as much or as little detail as they wish when they file a report. For the Sentinel Data Book graphics, percentages are based on the total number of Sentinel fraud, identity theft, and other report types in 2018 in which consumers provided the information displayed on each chart.Reports to Sentinel sometimes indicate money was lost, and sometimes indicate no money was lost.Often, people make these reports after they experience something problematic in the marketplace,avoid losing any money, and wish to alert others. Except where otherwise stated, numbers are based on reports both from people who indicated a loss and people who did not.Calculations of dollar amounts lost are based on reports in which consumers indicated they lost between $1 and $999,999. Prior to 2017, reported “amount paid” included values of $0 to $999,999.States and Metropolitan Areas are ranked based on the number of reports per 100,000 population.State rankings are based on 2017 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2017). Metropolitan Area rankings are based on 2016 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2016).This Sentinel Data Book identifies Metropolitan Areas (Metropolitan and Micropolitan Statistical Areas)with a population of 100,000 or more except where otherwise noted. Metropolitan areas are defined by Office of Management and Budget Bulletin No. 15-01, “Revised Delineations of Metropolitan Statistical Areas, Micropolitan Statistical Areas, and Combined Statistical Areas, and Guidance on Uses of the Delineations of These Areas” (July 15, 2015). Numbers change over time. The Sentinel Data Book sorts consumer reports by year, based on the date of the consumer’s report. Some data contributors transfer their complaints to Sentinel after the end of the calendar year, and new data providers often contribute reports from prior years. As a result, the total number of reports for 2018 will likely change during the next few months, and totals from previous years may differ from prior Consumer Sentinel Network Data Books. The most up to date information can be found online at ftc.gov/data
A credit score is a three -digit number that predicts how likely you are to pay back a loan on time, based on information from your credit reports.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only. - Medical identity theft has existed in various forms for decades, but it was in 2006 that World Privacy Forum published the first major report about the crime. The report called for medical data breach notification laws and more research about medical identity theft and its impacts. Since that time, medical data breach notification laws have been enacted, and other progress has been made, particularly in the quality of consumer complaint datasets gathered around identity theft, including medical forms of the crime. This report uses new data arising from consumer medical identity theft complaint reporting and medical data breach reporting to analyze and document the geography of medical identity theft and its growth patterns. The report also discusses new aspects of consumer harm resulting from the crime that the data has brought to light
The FTC takes in reports from consumers about problems they experience in the marketplace. The reports are stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to law enforcement. While the FTC does not intervene in individual consumer disputes, its law enforcement partners – whether they are down the street, across the nation, or around the world – can use information in the database to spot trends, identify questionable business practices and targets, and enforce the law.
Since 1997, Sentinel has collected tens of millions of reports from consumers about fraud, identity theft, and other consumer protection topics. During 2017, Sentinel received nearly 2.7 million consumer reports, which the FTC has sorted into 30 top categories. The 2017 Consumer Sentinel Network Data Book (Sentinel Data Book) has a vibrant new look, and a lot more information about what consumers told us last year. You'll know more about how much money people lost in the aggregate, the median amount they paid, and what frauds were most costly. And you'll know much more about complaints of identity theft, fraud, and other types of problems in each state, too. The Sentinel Data Book is based on unverified reports filed by consumers. The data is not based on a consumer survey. Sentinel has a five-year data retention policy, with reports older than five years purged biannually.
This guide addresses the steps to take once a
breach has occured. For advice on implementing a
plan to protect consumers’ personal information, to
prevent breaches and unauthorized access, check
out the FTC’s Protecting Personal Information: A
Guide for Business and Start with Security: A Guide
for Business.
*Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Consumer Sentinel Network Data Book for January 2016 - December 2016- Mark - Fullbright
FTC Consumer Sentinel Network Law enforcement's source for consumer complaints.
All information, data, and material contained, presented, or provided on is for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners.
It is not to be construed or intended as providing legal advice.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
3. FACTORING
Processing transactions through a merchant account for a
business or entity other than the specific business that was
screened for the merchant account
Also called credit card laundering
For example, if an individual operates two separate
businesses, they cannot process one store‘s sales through the
other store‘s merchant account.
Since you are ultimately responsible for all transactions that
run through your merchant account, if any items are charged
back, you are held responsible and your account will be
debited for theses transactions.
The crime? Factoring is used as a method to launder money
via credit cards. Visa and MasterCard can have your
merchant account shut down, and you can be substantially
fined, and placed on the TMF
4. CARD-NOT-PRESENT SCAMS
The risk of fraud increases greatly if your customer and their
credit card are not present at the time a purchase is made
because you don‘t have the opportunity to inspect the card.
―Card-not-present‖ transactions typically occur over the phone or
fax, or are Internet sales or catalogue purchases.
Without the card in hand, you are unable to inspect the card,
check for suspicious markings or verify the customer‘s signature.
As a merchant, you put yourself and your company at greater risk
by accepting these types of transactions.
If you are processing card transactions by telephone, fax or
Internet, make sure that you have signed the specific merchant
agreement required to perform Mail Order/Telephone Order
transactions where the card is not present.
Even after you have the proper agreement in place, it is crucial
that you take the precautionary steps to prevent potential
chargebacks.
5. SKIMMING
One example of skimming is where the fraudster uses a
device to read and copy the data on the magnetic strip of a
credit card – a process known as ―skimming.‖
Other times the information is received by tapping into phone
lines. Regardless of the method used, skimming is
responsible for millions of dollars of losses.
Typically, fraudsters ‗skim‘ the magnetic stripe in order to later
use it to Credit card skimming is when a person records the
information on a credit or debit card without the owner
knowing about it with the intention of using that credit card
information illegally.
Be on the lookout for devices used to swipe credit cards. They
are usually box-shaped cordless devices that look like pagers
and fit in the palm of your hand. Laptop computers have also
been used to accomplish the same thing.
6. DON‘T BE BULLIED
Here the ―customer― attempts to intimidate the cashier by
causing a fuss at the register so that the purchase is rushed,
which may lead to improper check out.
They may tell you that the card won‘t read and not to bother
running it through – that you‘ll have to key it in manually.
The crook may provide an authorization code they claim was
given to them by their bank. Don’t use it!
If the card in hand does not work, call your processor or bank.
If the crook demands anything else, give the card back and
deny the sale. It‘s better to lose a sell to a crook any day.
Don‘t be intimidated by these bullies; always take your time
and make sure the correct procedure is followed when
authorizing the card.
7. THE MANUAL KEY-IN
Often fraud occurs when the thief damages the card on
purpose so that you are forced to manually enter the number
in the electronic point-of-sale terminal.
Fraudulent cards are often damaged in order to bypass the
antifraud features that are placed on them – the magnetic strip
cannot be swiped and transmitted to the verification center for
authorization in the case of a manual key-in.
If you have an electronic point-of-sales terminal, swipe every
card that you come across – no matter how damaged or worn.
And be wary of customers who let you know right away that
their card won‘t read.
If the card doesn‘t work and you end up keying in the number,
make sure you take an imprint of the card.
If the card is severely damaged, simply ask for another form of
payment.
8. BORROWED CARDS
Beware of people waving letters of authorization for
use of a credit card.
Never accept any form of verification or
authorization.
Friends, coworkers, and spouses are not permitted
to borrow each other‘s cards.
The only person who should be presenting the card
to you is the person whose name is on the front of
the card and signature on the back of the card.
Chances are when the rightful owner gets the
statement a chargeback inevitably occurs.
9. THE TERMINAL REPAIR SCAM
This is a classic fraud scam.
Crooks come into your business and tell you that your POS
terminal needs to be repaired – offsite. But don‘t worry, they‘ll
replace your broken one with a loaner.
Once the loaner is in place, all of the information you scan
through is recorded, and now the information is theirs. You
may not even see it coming, as these criminals often pretend
to work for POS companies or say that they are attending to
other official business.
Any attempt to repair your terminal should be reported to the
police, and no replacement terminals should be accepted.
The safest thing you can do is to be cautious and report any
suspicious happenings immediately by calling your Merchant
Services Help Desk. They will help you verify whether your
device has been scheduled for pick up and repair and as well
as the authorized repair dealer.
10. THE LAST MINUTE SHOPPER
Be on the lookout for the shopper who is
purchasing expensive items just before closing
time, or someone who is hurriedly filling a
shopping cart with this type of item, without
paying much attention to price, size or quality.
These are the shoppers whose transactions
need to be handled with your utmost attention.
Crooks use this scam to catch merchants of
guard and not looking at the card carefully or
bypassing security protocol.
11. COUNTERFEIT CARDS
Stolen and counterfeit cards are a huge problem for
merchants and credit card issuers alike.
Because of the technology available to them, counterfeiters
are able to reproduce false cards that are high quality, even
without the benefit of the original.
All they really need is personal information and technology
to produce credit cards, debit cards, and smart cards. The
result is a huge financial loss to businesses around the
globe.
Protect your business by teaching your staff to recognize
the signs of a false credit card by checking the card
security features every time you make a credit card sale.
Call in a Code 10 if you suspect that the card presented to
you seems suspicious.
12. YOUR FIRST LINE OF DEFENSE
CALL IN A CODE 10
Any time you have doubts about something – a fraudulent
card, a signature or even a customer‘s behavior – call in a
Code 10.
A Code 10 allows you to call for an authorization without the
customer becoming suspicious. After dialing the authorization
center, inform the operator that you have a Code 10. The
operator will put you through to the correct person, who will
ask you a series of ―yes‖ or ―no‖ questions.
If the operator decides something is amiss, he or she will deny
authorization. The operator may even request to speak with
the cardholder to ask account information questions that only
the true owner of the card would know.
Call the voice authorization phone number provided by
your Merchant Services. Choose the prompt for "Code
10"
14. TAKE CHARGE OF CHARGEBACKS
Chargebacks are one of the most common – and
costly – ways that fraudsters take advantage of
merchants.
For example, some fraudsters, appearing to be
legitimate customers, will take both the ―merchant
copy‖ and ―customer copy‖ of the sales slip after
they have signed it.
When they receive their credit card statement, they
dispute the charge. And, since your company has
no record of the transaction, the full amount is
credited back to the consumer, and your business
loses the merchandise
15. FRAUD CHARGEBACK
A chargeback is a transaction disputed by the
cardholder or card issuer. There are many reasons for
chargebacks, but the most common are returned
merchandise, terminated services, disputes, errors, or
fraud. Merchants must be able to provide proof that the
disputed transaction is valid and in accordance with
Visa/MasterCard regulations or risk having their account
debited for the disputed amount..
For your business, a chargeback translates into extra
processing time and cost, a narrower profit margin for
the sale, and possibly a loss of revenue.
It is important to carefully track and manage the
chargebacks that you receive, take steps to avoid future
chargebacks, and know your representment rights.
16. AVOIDING CHARGEBACKS
Respond to retrieval requests and chargebacks promptly.
Another suggestion to prevent fraud is to require customers to
enter the 3 digit security code on the back of their card when
ordering products online.
Advertise honestly and have clear terms of service — these
can prevent customers from disputing transactions because
the product they purchased was not as described.
Make it as easy as possible for customers to get customer
service, and make the return policy clear at the time of the
transaction.
Follow the terms of service set by the card brands. Any
compliance violation can cause a merchant to lose its
chargeback rights.
Card-present businesses can prevent chargebacks by
requiring that cards be swiped, and get a signature whenever
possible.
17. CHARGEBACK GUIDELINES
Chargeback Management Guidelines for Visa
Merchants
Chargeback Guide For MasterCard
Merchant Chargeback guide-American Express
Chargeback and Exception Processing Guide
18. VERIFICATION NUMBERS
VISA Merchant Verification Service 800-847-2750
AUTOMATED
Option 1, Address Verification: enter in the numeric portion of the
street address, zip code, and VISA card number and it will advise
you if there is a match. Option 2, Issuing Bank Phone numbers:
enter the VISA card number and it will provide you with the 800
number for the issuing bank if available.
MasterCard Assist 800-622-7747
Select your language preference, then Option 2. Enter the
MasterCard card number and it will provide you with the 800
number for the issuing bank if available.
Discover Address Verification 800-347-7988 AUTOMATED
You will need your Discover Merchant number. Enter the
Discover card number and address information, and it will advise
you if there is a match.
American Express Address Verifications 800-528-2121
Option 3 allows you to verify the name and address of a
particular AMEX card number.
20. PROCESSING TRANSACTIONS MANUALLY WITH AN
IMPRINTER
When you process transactions manually, be sure to take an imprint of
the card every time a purchase is made with a credit card
Hold onto the credit card throughout the sale
Be sure to call in for authorization for every credit card transaction, if
required.
Make sure you neatly print and fill out the sales draft so that it is
complete, clear, and easy to read
Have the customer sign the receipt while you watch and verify that this
signature and the signature on the back of the card match
Don‘t divide one purchase onto more than one sales draft
Do not change or alter the sales draft after the customer has signed it – if
there‘s a dispute, the customer‘s copy is treated as correct
If a transaction has been cancelled by the customer, take the required
steps to stop the billing or reverse it immediately
Be sure to display your return policy at the point-of-sale – remember it is
your responsibility to inform your customers of this policy
Maintain a well-trained staff and ensure that they follow card acceptance
check-out procedures correctly
Save all copies of your sales draft in case of future disputes
21. MAIL AND TELEPHONE ORDERS
If possible, establish the customer‘s identity by writing their
name, address, credit card number, and expiry date on the
sales slip (also include name of issuing institution)
Be sure to call in for an authorization for every credit card
transaction, if required.
If you are taking an order over the phone, fax or Internet, only
ship items to permanent addresses – steer clear of post office
boxes or hotel lobbies, if possible.
Consider utilizing a shipping vendor that requires a customer
signature for delivery of merchandise. Moreover, use a
shipping vendor that can provide easy access to ‗proof of
delivery‘ information as this may assist in the chargeback
process.
Where applicable, utilize a billing system that provides
address verification or CVV processes
Always send a copy of the sales draft to the customer either
when the product is ordered or when it is shipped
22. ADVOCATE TIP#1
Understand the consequences of high risk
transactions and be proactive in preventing
unnecessary chargebacks and taking losses.
Be familiar with your processor‘s steps for potential
fraud. Have a list available with contact numbers for
employees to call if needed.
Consider training classes for employees using the
resources listed in this guide.
If you take a loss from a chargeback, follow up with
your processor or bank on how to prevent it from
happening again.
Repetitive losses could cost you in processing pricing
23. FRAUD RESOURCES
Look Up a ZIP Code – Validate if address is real
Credit Card Fraud Prevention & Security – Discover
Card
The FTC‘s Bureau of Consumer Protection
24. MASTERCARD FRAUD SECURITY
Arming You With Knowledge
MasterCard Security Features
Unsigned Cards
Design Features
Fraud Training
25. VISA FRAUD SECURITY
Visa Fraud Control
Key-Entered Transactions
Card Not Present
Know the signs of possible fraud
Skimming is a Scam
26. ADVOCATE TIP#2
Keep updated on current fraud trends and training
from your processor or bank.
Order flyers and/or posters from Visa and
MasterCard to post as reminders to employee to be
aware of fraud.
Avoid Force Posting transactions, if you are not
able to receive a valid authorization code, ask for
another form of payment.
If you received large international orders and you
had not before, use caution.
Think of what you have to lose, before thinking of what
you’ll make in profit.
27. VERIFIED BY VISA
Verified by Visa works to confirm an online shopper's
identity in real time by requiring an additional password
or other data to help ensure that no one but the
cardholder can use his Visa card online.
When customers see the Verified by Visa symbol on
your site at checkout, they can rest assured that their
online transactions are protected by the brand they
know and trust.
And, even if the cardholder isn't enrolled in the program
or their issuer isn't participating, the merchant is not
liable for certain fraud-related chargebacks on Visa
personal debit and credit card transactions.
Protecting both merchants and consumers against fraud
28. MASTERCARD SECURECODE
MasterCard SecureCode is a private code for your
MasterCard account that gives you an additional
layer of online shopping security. Only you and your
financial institution know what your code is –
retailers aren't able to see it. So you can trust that
your transactions get independent approval every
time.
MasterCard SecureCode®
29. CONSIDER EMV
EMV stands for Europay, MasterCard and Visa, a global
standard for inter-operation 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.
The EMV standards define the interaction at the physical,
electrical, data and application levels between IC cards and IC
card processing devices for financial transactions.
There are standards based on ISO/IEC 7816 for contact
cards, and standards based on ISO/IEC 14443 for contactless
cards (PayPass, payWave, ExpressPay).
The Future of Payments with MasterCard
Visa U.S. Merchant EMV Chip Acceptance Readiness
Guide
30. EMV IN THE NEWS
―Part of the October 2015 deadline in our roadmap
is what‘s known as the ‗liability shift.‘ Whenever
card fraud happens, we need to determine who is
liable for the costs. When the liability shift happens,
what will change is that if there is an incidence of
card fraud, whichever party has the lesser
technology will bear the liability‖ http://blogs.wsj.com/corporate-
intelligence/2014/02/06/october-2015-the-end-of-the-swipe-and-sign-credit-card/
―Visa and MasterCard require U.S merchants and
card-issuing banks to migrate to EMV technology
by October 2015 or face increased liability
exposure.‖
http://www.computerworld.com/s/article/9246424/EMV_smartcards_offer_security_benefits_even_without_PIN_V
isa_says
31. COMPANY NAMES MENTIONED HEREIN ARE THE PROPERTY OF,
AND MAY BE TRADEMARKS OF, THEIR RESPECTIVE OWNERS AND
ARE FOR EDUCATIONAL PURPOSES ONLY.
Compiled and designed by Mark Fullbright , Certified Identity
Theft Risk Management Specialist™ (CITRMS) as a free guide for
merchants to protect themselves online and POS to reduce their
exposure to chargebacks and fraud losses.
Stay Safe, Stay Secure