Safari In iOS 8 Uses Camera To Scan and Enter Credit Card Info by JORDAN KAHN of 9to5mac.com

In iOS 8, Apple has a new feature in Safari that allows users to scan a credit card with the device’s camera rather than manually entering the number when making a purchase online.

When entering a credit card number into a form online to, for example, make a purchase, Safari already allowed users to quickly select credit cards stored in its Passwords & AutoFill settings. You can still do that, but in iOS 8 you’ll now also have the option to select “Scan Credit Card” and snap a picture of the card. Apple then uses optical character recognition of sorts to input the number into the text field in Safari. There’s also a way to scan and save cards using the camera directly from within the Passwords & AutoFill settings.

Website developers don’t have to do anything to enable the feature, as Safari appears to automatically detect when a credit card number is being requested and presents the option to scan above the keypad.

Written by:   @JordanKahn for http://9to5mac.com

Source: http://9to5mac.com/2014/06/05/safari-in-ios-8-uses-camera-to-scan-and-enter-credit-card-info/

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Alto Global Processing: Target CIO Resigns Following Massive Data Breach

Posted by  (@sarahintampa) for TechCrunch.com 

Target Corp.’s Chief Information Officer Beth Jacob is resigning, effective immediately, in the wake of the massive data breach during the holiday 2013 shopping season during which as many as 70 million customers had their personal information stolen, including 40 million debit and credit card accounts.

The retailer also said it would be overhauling its information security practices and compliance division, and would be looking for external candidates to serve as interim CIO.

Jacob had worked at Target from 1984-86, then returned in 2002 as Director of Guest Contact Centers. She was promoted to her current position in 2008, after becoming a VP two years prior.

“While we are still in the process of an ongoing investigation, we recognize that the information-security environment is evolving rapidly,” Target Chairman, President and CEO Gregg Steinhafel said in a brief statement released this morning. “To ensure that Target is well positioned following the data breach we suffered last year, we are undertaking an overhaul of our information-security and compliance structure and practices at Target.”

This also includes elevating the role of the Chief Information Security Officer – another position that Target will hire externally, along with a Chief Compliance Officer.

The company also noted that it’s working with external adviser Promontory Financial Group to help it with its transformation.

Target has been working towards the implementation of chip and PIN card support, a tool that will further ensure customer security. The company also offered free credit monitoring for a year in the wake of the breach disclosure.

Hackers connected to the internal wireless systems at Target stores and grabbed credit card information as it passed through the system. The resulting breach, one of the biggest to date, resulted in millions of credit cards being sold on the black market.

Additional reporting: John Biggs

Source: http://techcrunch.com/2014/03/05/target-cio-resigns-following-massive-data-breach/

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Alto Global Processing: 4 Ways to Build Trust in Ecommerce by Transactionage.com

Recent industry reports put shopping cart abandonment rates at an average of 67%, that’s almost 7 out of 10 shoppers falling off before purchase. Reasons for abandonment are numerous, and not always indicative of poor checkout experience, but unnecessary barriers, confusing clutter, slow loading times and crucially, security concerns are key considerations when analyzing and optimising your ecommerce site.

Mistrust is rife in the online world, so assuring your customers that their payment details are safe with you will make an enormous difference to conversion rates, and ensure you’re not missing out on valuable revenue.

Here are 4 strategies to make sure your online checkout experience is not off-putting to potential customers, delivering the assurance they need to stay the course.

1. Clear policies and company information

You should be providing clear links to your privacy policy, shipping and returns policies, FAQs and company information. You cannot be transparent enough when it comes to helping customers understand who you are, where you are, and what your credentials as a business are.

It is especially important for new online merchants without a well-established brand to introduce themselves and help their customers understand who they are doing business with.

2. Security certificate

In order to accept credit cards and debit cards online you’ll need to ensure your third party providers that have access to cardholder information are PCI DSS compliant (Payment Card Industry Data Security Standard). You will need to certify that your site meets these requirements.

3. Recommendations & testimonials

Consider employing a product review system on your site. Customers want assurance from their peers, and social recommendation (word of mouth) is a powerful persuader. According to a recent report by PricewaterhouseCoopers, 80% of Internet users conduct product research online before making purchases. By allowing customers to provide not only product reviews but also testimonials on their experience with your company, you can go some way to providing peace of mind and comfort to even the most cautious customers.

Of course, not all reviews are glowing, and you should be confident that your business is ready, your fulfillment process is solid, and your checkout is smooth. One silver lining to unfavourable reviews however, is the chance to use the insight, address the issue and deliver a better service for your customers.

4. Payment processing

Help your customers understand how their payments are processed by providing clear information on what happens to their details and information during, and after the transaction.

Make it clear which third parties your site is working with to process payments, and detail any security measures that are in place (provided by your ecommerce payment gateway provider). Third party service providers will meet international standards for data handling and privacy, which will reassure your customers of the safety of your site.  Most even provide their logo for you to include on your site.

In the world of online retail, nothing separates the successes from the failures more than the checkout. With competition for new and existing customers intensifying every year, online retailers need to optimise their checkout processes through conversion rate optimisation to ensure they are doing everything they can to reduce checkout abandonment, and convert shoppers into loyal customers. Getting the assurance piece right is a critical component in achieving your ecommerce goals in 2014.

Source: http://www.transactionage.com/2014/02/05/4-ways-to-build-trust-in-ecommerce/#sthash.bV6YaBTR.dpuf

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Alto Global Processing: Monitise to Integrate Blackhawk Network Gift Cards into Mobile Wallets

Blackhawk Network and Monitise have announced an agreement to make prepaid gift cards from Blackhawk Network’s GiftCardMall™ available for purchase from participating banks and payment companies’ mobile wallets that are powered by Monitise.

We believe that consumer demand for gift cards is increasing around the world and with it the expectation that access to mobile offerings will allow consumers to make purchases whenever they want,” said Tim Attinger, Group Vice President, Strategy and Innovation at Blackhawk Network.

“By working with Monitise, we are helping its bank partners bring great retail brands and consumers together with new revenue opportunities and marketing applications. We are also excited about the overlap between certain of Blackhawk’s global content and Monitise’s international footprint and aspirations.”

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Alto Global Processing: MasterCard Introduces MasterPass – The Future of Digital Payments

MasterPass gives consumers a better way to pay while enhancing and simplifying the physical and digital shopping experience

 To tweet this news, copy and paste http://bit.ly/XpDhd1 to your Twitter handle with the hashtag #MasterCard and #MWCashless

 BARCELONA –  – At Mobile World CongressMasterCard  introduced MasterPass™ – the future of digital payments.  MasterPass is a digital service that allows consumers to use any payment card or enabled device to discover enhanced shopping experiences that are as simple as a click, tap or touch – online, in-store or anywhere.

“Every device is becoming a shopping device,” said Ed McLaughlin, chief emerging payments officer, MasterCard. “MasterPass brings together all of the ways we pay for things, from traditional plastic cards to digital wallets, and gives consumers the ability to make a payment from wherever they are and with one simple experience.”

MasterPass is the evolution of PayPass Wallet Services, which was announced in Spring of 2012 and has been in production trial with select merchants and issuers. Consumers around the world will now be able to sign up for the service through financial institutions in Australia and Canada by the end of March, and in the United States and the United Kingdom later in the Spring and Summer respectively. Additionally, MasterPass availability in 2013 will expand to other markets worldwide, including: Belgium, Brazil, China, France, Italy, Netherlands, Singapore, Spain and Sweden.

The MasterPass suite of services includes:

  • MasterPass checkout services – to provide merchants a consistent way to accept electronic payments regardless of where the consumer may be. For in-store scenarios either at the register or in the aisle, MasterPass will support the use of NFC, QR codes, tags and mobile devices used at points of sale. For online purchases, MasterPass provides shoppers a simple check-out process by eliminating the need to enter detailed shipping and card information with every purchase.
  • MasterPass-connected wallets – to enable banks, merchants and partners to offer their own wallets. Consumers can securely store card information, address books and more in a secure cloud, hosted by an entity they trust. The wallet is open, which means that in addition to MasterCard cards, consumers can use other branded credit, debit and prepaid cards.
  • MasterPass value added services – to enrich the shopping experience before, during and after checkout. These will include more information like account balances and real-time alerts, loyalty programs, as well as Priceless offers and experiences.

“The most successful next generation payment product will be considerate of a wider range of stakeholders in its design and allow them to impact the user experience according to their business need and still-evolving industry dynamics. MasterPass reflects this modern sensibility of agnostic-based design but leverages the muscle that only a global network can deliver,” said Patricia Hewitt, Director, Debit Advisory Service, Mercator Advisory Group.

Merchants and Financial Institutions Embrace MasterPass

Since the introduction of PayPass Wallet Services in May of 2012, merchants and financial institutions worldwide continue to support MasterCard and its digital payments strategy.  With today’s announcement, merchants, issuers and supporting partners working with MasterCard to support the launch of MasterPass include:

  • Financial institutions: BBVA Bank, BNLPOSitivity, BNL Italy, BNP Paribas Fortis Belgium, Banco Sabadell, Banco Santander, Banca Sella, Bank of Montreal, Citi, Commonwealth Bank, Deutsche Bank Italy, EnterCard, EURO 6000, European Merchant Services, Fifth Third Bank, Handelsbanken, International Card Services Netherlands, Intesa Sanpaolo,Lake Trust Credit Union, ME Bank, NAB, SEB Kort, SIA, Swedbank, TMG Financial Services, UniCredit and Westpac.
  • Merchants: AHL, American Airlines, Argos, Boots, Grocery Gateway, Harvey Norman, Hikingboots.com, JB Hi-Fi, LogiTRAVEL, Mediamarket Spa Italy, MLB Advanced Media, Park Avenue Coffee, Roses Only Group, Runningshoes.com, Vodafone Italy and Wintercheck Factory. In addition to these merchants, through our work with service providers and payment gateways worldwide, MasterPass will be available at more than 5,900 merchants.
  • Technology partners: Adyen, Buckaroo, CQR, Cardinal Commerce, Cart32, CO-OP Financial Services, DataCash, Demandware, ICBA Bancard inc., Merchant Warrior, mFoundry, Moneris, OPENTECH.com, Paycorp Holdings, PSCU, Reply, Sage Pay, SIA, The Members Group,  Usablenet and VeriFone Systems, Inc.

Supporting Partner Quotes

  • “We understand the strategic importance of achieving true and global convergence in acceptance, security and simplicity across all channels, including digital. MasterPass allows us to offer to our customers, cardholders and merchants an immediate competitive solution for e-commerce, and a great foundation for new in-store experiences. Santander shares MasterCard’s vision of the future of digital payments and a world beyond cash, and we look forward to extending the benefits of MasterPass to additional markets in which we operate, with a global roll-out in the near future.” Javier Herraiz, Global Director of Innovation in Payments, at Santander Cards
  • “As a digital retail leader, we are keen to be at the forefront of new ways customers can shop with us.  With customers rapidly changing their mix of shopping methods, whether internet, mobile device or in store, MasterPass will in due course enable us to provide our customers with a simple, quicker and secure way to shop.” John Walden, Managing Director, Argos

Find a complete list of MasterCard’s news announcements from Mobile World Congress in our Digital Press Kit and follow us @MasterCardNews #MWCashless #MAMobileSymp to join the conversation.

About MasterCard

MasterCard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Follow us on Twitter @MasterCardNewsjoin the discussion on the Cashless Conversations Blog and subscribefor the latest news.

Media Contact

Brian Gendron

MasterCard Worldwide

914-249-1284
brian_gendron@mastercard.com

Alto Global Processing: B+S card service launch European payment solution to the UK

German electronic payment processors and acquirers B+S Card Service have officially launched in the UK.

Andreas Stendera, Director of Sales, B+S Card Service commented:“B+S is excited to Imagebring its merchant focussed approach and experience of payment processing to the UK. A core example of this merchant centric approach is the China Union Pay (CUP) card acceptance of our product offering at a time when UK merchants need to be prepared for an exponential increase in Chinese tourism. This is as a result of travel visa laws being simplified in April 2013. For merchants to capitalise on this anticipated growth market they need to be able to accept the 2billion issued CUP cards. With these changes to the market merchants need to be prepared to adapt their practices to create the flexibility that is required for their evolving international customer base. B+S is gearing its product portfolio towards assisting merchants to meet these changes in an effective and profitable manner.”

Mr Stendera added: “The launch of B+S in the UK will bring a new dimension and approach to the market. We concentrate on getting the basics right to deliver long term customer satisfaction. By establishing local operations we can truly understand each individual market and provide the best level of support possible to our customers. B+S is built only on the best German principles and with 20 years’ experience in the European market we are well positioned to offer a Europe-wide solution for UK electronic payments sector.”

 

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Source: http://www.paymenteye.com/2013/03/18/bs-card-service-launch-european-payment-solution-to-the-uk/

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Alto Global Processing: Virgin Atlantic Airways strengthens payment security with Semafone

 Source: PaymentEye 

Semafone today announced that its software has been selected by Virgin Atlantic Airways (VAA) to protect card data provided by customers over the telephone. The secure voice Imagesolution will enable PCI compliant payment card payments throughout VAA’s contact centres worldwide.

The Semafone solution allows customers to enter their own card details into their telephone keypad and passes these directly to the bank. The agent cannot see or hear the card numbers but remains on the call during the entry of payment data to offer assistance if needed.  No card data is processed or stored on VAA’s telephony infrastructure or agent desktops, removing the need for the numerous checks and controls that would otherwise be needed to comply with PCI regulations.

“During our evaluation process, we considered a number of different options, but the decision to implement Semafone was simple” commented David Bulman, director of information technology at Virgin Atlantic Airways“The safety of our customers’ data is of paramount importance and we needed to find a solution that we could put in place with limited disturbance. Semafone met all of our requirements.”

“We are delighted to have been selected by Virgin Atlantic Airways to provide PCI compliant payment card capture across its contact centres,” commented Tim Critchley, CEO of Semafone.  “The need to prevent card fraud is a global one so we are very pleased to be able to support VAA in its contact centres across the world.”

Source: http://www.paymenteye.com/2013/03/14/virgin_atlantic_airways_strengthens_payment_security_with_se/#.UUHb1tFAREB

For more information on this please feel free to contact Luca Bizzotto, CEO of Alto Global Processing Please visit Alto Global Processing

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