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Intel and credit card giant MasterCard are announcing a multi-year strategic partnership this evening, which aims to provide a more secure and simple way for consumers to pay for products online. The two companies will be working to combine MasterCard’s expertise in payment processing and commerce with Intel’s strengths in chip-based security. So how are these two companies joining forces? Details are still being disclosed, but MasterCard and Intel are working on providing a safer and simpler checkout process for online merchants and consumers using Intel’s Ultrabook devices and future generations of Intel-based PCs. Another area where Intel and MasterCard will be working together is in the area of emerging payments technologies, including MasterCard’s PayPass and Intel’s Identity Protection Technology.
Today, online and mobile payments platform Dwolla is launching what may be one of its biggest features yet: instant access to cash. Via the new opt-in setting called “Dwolla Instant,” users will be able to immediately deposit and send cash without the usual wait times associated with the mobile payment platform – typically a few days. To use Dwolla Instant, users must first enroll in the service, which requires a monthly $3 participation fee. This fee will begin from the day you switch on Dwolla Instant, but can be turned off and on at will, without penalty. Once enabled, you can then send money to a friend, pay a merchant, or deposit funds instantly. You’ll tell Dwolla what the funding source is for that initial transaction, and that will then be tied to your “Instant Balance.”
Hey PayPal, do you realize people no longer trust you? By heartlessly freezing the accounts of legitimate causes, you’ve shaken our confidence. By releasing the funds only in response to public pressure, you’ve shown that your policy enforcement is erratic and our money can disappear on a whim. The account freezes have become such fiascoes that they transcend the facts.
An acquisition by American Express in Septembergave it a piece of a business that analysts say other lenders should jump into: virtual currencies and virtual commerce. American Express paid $30 million for Sometrics, a four-year-old company that helps video game makers establish virtual currencies and virtual currency commerce within their games. Why pay $30 million for an enterprise that helps video gamers buy virtual clothes for their online avatars? Measured in real-world U.S. dollars, virtual transactions total $2.1 billion a year in the U.S. and $7.3 billion globally, according to Sometrics' founder and chief executive, Ian Swanson.
The day when we no longer have to cart around our fat wallets, jammed with credit cards, coins and cash is fast approaching. Several smart mobile payment platforms have emerged over the past few years making it easy to pay our friends securely and in real time from our smartphones. Today, there are four primary models for mobile payments: Premium SMS based transactional payments, which is great for users without smartphones, Direct Mobile Billing, which accounts for 70% of all digital content purchased online in some parts of Asia, Mobile web payments (WAP), which includes online wallets such as Amazon Payments, Google Checkout or PayPal and finally Contactless NFC (Near Field Communication). The big banks and credit cards all have their own mobile apps, which allow you to check your balance and transfer funds.
Online Payment processing cases
Un livre de Wikibooks. Architectures et solutions de paiement en ligne. [ modifier ] PCI DSS
[ edit ] E-Commerce Applications: Issues and Prospects Various applications of e-commerce are continually affecting trends and prospects for business over the Internet, including e-banking, e-tailing and online publishing/online retailing. A more developed and mature e-banking environment plays an important role in e-commerce by encouraging a shift from traditional modes of payment (i.e., cash, checks or any form of paper-based legal tender) to electronic alternatives (such as e-payment systems), thereby closing the e-commerce loop. a) Benefits of e-Commerce • Expanded Geographical Reach • Expanded Customer Base • Increase Visibility through Search Engine Marketing • Provide Customers valuable information about your business • Available 24/7/365 - Never Close • Build Customer Loyalty • Reduction of Marketing and Advertising Costs • Collection of Customer Data b) Basic Benefits of e Business e-Commerce o increase sales - this is the first thing that people consider
An acquiring bank (or acquirer ) is the bank or financial institution that processes credit and or debit card payments for products or services for a merchant. The term acquirer indicates that the bank accepts or acquires credit card payment from the card-issuing banks within an association. The best-known (credit) card associations are Visa , MasterCard , American Express , Diners Club , Japan Credit Bureau , Attijariwafa Bank , and China UnionPay . [ edit ] Merchant accounts
3-D pourquoi : Le dispositif 3-D secure a été mis en place par Visa et Mastercard afin de réduire le taux de fraude lié au paiement électronique. Le principe de 3-D secure est de renforcer le processus d’authentification du porteur de carte. La banque émettrice doit ainsi mettre en place un module d’authentification renforcé qui s’active dès qu’un de ses clients effectue un paiement sur une solution de paiement à distance disposant d’un module 3-D secure. Pour les commerçants à distance le dispositif 3-D secure n’engendre aucune modification dans les habitudes de gestion de caisse.
American Express Announces ServeSM, the Next Generation Digital Payment Platform Serve Offers Person-to-Person, Online, Mobile, and Traditional Card Capabilities in a Single Account NEW YORK--(BUSINESS WIRE)--American Express (NYSE: AXP) today unveiled ServeSM, a digital payment and commerce platform that gives consumers a new way to spend, send and receive money with services that go beyond the existing global payment networks.
Following in the footsteps of rival Visa , American Express this morning announced a digital payment and commerce platform dubbed Serve , enabling U.S. consumers to make purchases and person-to-person payments online, via mobile phones and at AmEx’s network of millions of merchants. Serve integrates a variety of payment options into a single account that can be funded from a bank account, debit, credit or charge card, or by receiving money from another Serve account. The platform is available immediately to anyone in the U.S. and is expected to launch into other international markets over the coming year.
There was a time when PayPal was the only major e-payment company, preferred by eBay (and owned by them as well). However, more and more e-payment options are popping up. However will customers decide which one to use? Brand will be a huge part of this decision. Here is a short list of the competitors for America’s e-payment dollars along with a brief evaluation of their brand position and logo design.
<a href="http://adserver.adtechus.com/adlink/3.0/5242.1/2382763/0/0/ADTECH;loc=300;key='+adkeys+';grp='+adrand+'" target="_blank"><img src="http://adserver.adtechus.com/adserv/3.0/5242.1/2382763/0/0/ADTECH;loc=300;key='+adkeys+';grp='+adrand+'" border="0" width="0" height="0"></a> Visa announced an agreement to acquire Silicon Valley-headquartered PlaySpan, which operates a payments platform targeting online games, digital media, and social networks, for $190 million. Founded in 2006, PlaySpan provides a monetization-as-a-service platform that includes fraud and risk management, analytics, merchandizing, and global payment connectivity features for online purchases such as virtual currency, subscriptions, and digital goods. Its UltimatePay product allows consumers to buy virtual goods online using more than 85 global payment methods in 180 countries. PlaySpan also sells Ultimate Game Cards, prepaid cards available in over 50,000 retail locations across North America and other countries.
PlaySpan , a provider of monetization solutions for digital goods, social networks, online games, and videos, rolled out an online service it calls "Monetization as a Service," a seven-layer approach to providing a monetization platform: something it calls "the MaaS stack." The idea behind MaaS is to provide payment-as-a-service from the cloud for online games and other content. PlaySpan says MaaS combines a global payment gateway with more than 85 payment options with micropayment, subscription, and e-commerce capabilities. PlaySpan says it also incorporates an analytics dashboard and fraud management tools into its offering.