EMV

19 Oct
2015

Overcoming Major Data Security Challenges in Retail Petroleum Part 2

EMV is More Expensive Than You Think As discussed in the previous blog posting, with the sheer amount of transactional data flowing through retail petroleum industry environments, data security presents a challenging series of initiatives to overcome. With multiple technologies touching the payment stream—from the automated fuel dispenser to the

23 Sep
2015

Overcoming Major Data Security Challenges in Retail Petroleum Part 1

Part One of a Three Part Blog:  Understanding Data Security Challenges in the Retail Petroleum Industry Receiving, storing, and transmitting sensitive data presents challenges for every business. One of the riskiest datasets to handle is payment card data, as it is easy to steal, sell, and use for fraudulent purchases. Due

25 Aug
2015

Are Global Card Brands Stacking the Deck with EMVco?

The card brands have something up their sleeve with the EMVco network tokenization standards. According to the April 2015 PCI document “Tokenization Product Security Guidelines” EMVco has set proprietary standards on network tokenization. These new suggested proprietary standards obviously benefit the card brands and are intended to create additional barriers

10 Jun
2015

Retailers Beware: You Have a Target On Your Back

Banks are working hard to change every policy they have for fraud prevention to reduce their losses. It starts later this year with the EMV deadline for merchants. At that time banks officially push fraud liability directly onto the merchant if the merchant is found to be out of PCI

29 May
2015

Card-Not-Present Fraud on The Rise – Finance Industry On Notice

Card-Not-Present Fraud on The Rise – Finance Industry On Notice Card-not-present fraud is expected to hit $6.4 Billion by 2018. While EMV chip and pin cards, with their immediate authentication, use a great technology for card-present transactions, consider that the technology is over 20 years old and is just being

04 Feb
2015

Hurdles of Tokenization & Consumer Authentication for EMV

Hurdles of Tokenization & Consumer Authentication for EMV – A Software Architect’s Perspective My name is Justin Stanley and I am the lead software architect at TokenEx. When I was asked for my input on a tokenization and consumer authentication blog for EMV, I wanted to be as realistic as

17 Dec
2014

Consumer Authentication – The Liability Shift

Consumer Authentication – What’s in it for Me? Many merchants with an online presence have been hesitant to implement consumer authentication for a variety of reasons. With the use of ‘3-D Secure’ (3DS, Verified by Visa, MasterCard SecureCode) customers may be more likely to abandon a purchase if they feel

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