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SecurityCents Blog

Insights on payment data security, payments news and trends

EMV: Chip Cards, By the Numbers

The switch to EMV is well underway in the United States. This means new processes for customers and merchants. Some customers are seeing the changes more than others but more will be coming soon. This switch involves new in-store technology and internal systems for merchants. As well as new card and learning mew payment processes for consumers. But ultimately this brings greater protection against counterfeit fraud.

Point-to-Point Encryption, What You Need to Know

P2PE is a payment security solution that involves the encryption of cardholder data. Cardholder data includes any information contained on a customer’s payment card, including the primary account number (PAN), cardholder name, expiration date and data used for authentication and authorization. The data may be printed on either side of the card and contained in digital format on the magnetic strip or in the microchip embedded in the card.

How EMV Affects the Little Guy

I have a unique background. Yes, I work for Merchant Link, providing the latest payment security technologies to small, medium, and large hospitality organizations. Prior to Merchant Link, I sold POS for two large organizations, both of which are global companies, and both of which have some of the highest profile clients you could imagine.

4 Payment Technologies Hospitality Businesses Need to Increase Security

Hospitality is a dynamic industry and is constantly evolving, particularly with the integration of new technologies to engage customers and improve service quality. Hospitality executives need to be aware of key technologies in the market, including the latest developments in payment solutions. I’ve summarized four technologies that hospitality tech executives need to understand.

NRF 2017 Recap

Another January and another NRF Big Show under our belts. This year’s show was very well attended with over 33,000 attendees and 500+ vendors. Sir Richard Branson delivered a great keynote describing the foundation of Virgin Atlantic after being stranded on vacation and chartering his own plane and selling the extra seats to other stranded travelers.

Payment Security and its Impact in Lodging

As payment security has evolved over the years, so has merchants’ implementation and approaches to PCI and security. Separating PCI from security makes sense because PCI is considered a minimum set of standards to try to keep a merchant’s environment, and customer’s data in that environment, secure.

Hotel Data Security: Why Cloud Computing is the Reliable Option

In the early days there was a little bit of fear mongering regarding the security of the cloud and despite its wide scale adoption (more than 90% of enterprises and 52% of all SME use cloud services in the US) cloud computing is still an object of skepticism for some who have mixed feelings about it’s security and reliability.

Pay at the Table – What do you think of the process?

The move to EMV has introduced a number of changes for both customers and merchants. One of the most impacted will be table service restaurants. Consumers are used to going to a “sit down” restaurant, ordering their meal, and then paying their wait staff by handing them a credit card. With EMV, in theory, the process should have the wait staff bring the payment device to the consumer, hand the device to the consumer, and then and wait for the transaction to complete. This has raised eyebrows in the U.S., as consumers are left feeling uncomfortable with a hovering waiter.

Impact of Terminal Configurations in U.S. EMV | Part IV

What About Liability

The stick in the card brands’ EMV initiative is, of course, merchant liability for transactions for which merchants are considered the “less secure” party. In the case of Visa, the rules are very simple. If the merchant processes the transaction as an EMV card, the merchant is protected. On the off chance that it is a PIN Preferring Visa card (possible if it is an international card), and the merchant processes it as a signature CVM, the merchant is still protected in the event the card was lost or stolen. For the other card brands, the rules are slightly more complex. If the card is PIN-preferring, and the merchant supports PIN-preferring, the issuer holds the liability. If however, the card is PIN-preferring and the merchant is only supporting signature, the liability would fall to the merchant in the event the card was lost or stolen because the merchant is deemed the least secure party.