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EPAS
EPAS (Electronic Protocols Application Software) is a non-commercial cooperation initiative launched in Europe which aims at developing a series of data protocols to be applied in a point of interaction (POI) environment. The project intends to address the three following protocols; a terminal management protocol, a retailer application protocol and an acquirer protocol. Project Development The proposed initiative was structured along the three following main phases : *Phase I : development of technical specifications and issuance of standards (2006 - mid-2007) *Phase II : development of software and provision of test tools (2007 – 2008) *Phase III : construction of demonstrators (2008) Participants The EPAS Consortium is composed of 24 organisations. *Ingenico (FR) *VeriFone (US) *The Logic Group (UK) *Amadis (CA) *ELITT (FR) *MoneyLine (FR)Lyra Network(FR) *Atos Worldline (DE) *Wincor Nixdorf (ES) *GIE – Groupement des Cartes Bancaires "CB" (FR) (Co-ordinator) *Des ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
ERIDANE
A smart card, chip card, or integrated circuit card (ICC or IC card) is a physical electronic authentication device, used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. Many smart cards include a pattern of metal contacts to electrically connect to the internal chip. Others are contactless, and some are both. Smart cards can provide personal identification, authentication, data storage, and application processing. Applications include identification, financial, mobile phones (SIM), public transit, computer security, schools, and healthcare. Smart cards may provide strong security authentication for single sign-on (SSO) within organizations. Numerous nations have deployed smart cards throughout their populations. The universal integrated circuit card, or SIM card, is also a type of smart card. , 10.5billion smart card IC chips are manufactured annually, including 5.44billion SIM card IC chips. Hist ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Open Payment Initiative
The Open Payment Initiative, or O.P.I. for short, was launched to standardize the application interface between the EPOS application and any cashless payments solution installed on the EFT/PoS terminal. The specification for this interface focused mainly on international and cross-industry aspects. Today, the O.P.I. interface is already a de facto European standard, which is spreading from Germany to retailing projects throughout Europe. The specifications, which were first published in 2003, and reference installations are based on the POS EPS specifications from IFSF (International Forecourt Standards Forum), which were developed for the service station industry and to which retail features have been added. The universal O.P.I. interface has made it possible to integrate varying EFT/PoS solutions in European POS projects for the first time. Versions Technical solution The O.P.I. interface implementation does not depend on a specific operating system. It is an XML-based int ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Europe
Europe is a large peninsula conventionally considered a continent in its own right because of its great physical size and the weight of its history and traditions. Europe is also considered a Continent#Subcontinents, subcontinent of Eurasia and it is located entirely in the Northern Hemisphere and mostly in the Eastern Hemisphere. Comprising the westernmost peninsulas of Eurasia, it shares the continental landmass of Afro-Eurasia with both Africa and Asia. It is bordered by the Arctic Ocean to the north, the Atlantic Ocean to the west, the Mediterranean Sea to the south and Asia to the east. Europe is commonly considered to be Boundaries between the continents of Earth#Asia and Europe, separated from Asia by the drainage divide, watershed of the Ural Mountains, the Ural (river), Ural River, the Caspian Sea, the Greater Caucasus, the Black Sea and the waterways of the Turkish Straits. "Europe" (pp. 68–69); "Asia" (pp. 90–91): "A commonly accepted division between Asia and E ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Data Protocol
In the pursuit of knowledge, data (; ) is a collection of discrete values that convey information, describing quantity, quality, fact, statistics, other basic units of meaning, or simply sequences of symbols that may be further interpreted. A datum is an individual value in a collection of data. Data is usually organized into structures such as tables that provide additional context and meaning, and which may themselves be used as data in larger structures. Data may be used as variables in a computational process. Data may represent abstract ideas or concrete measurements. Data is commonly used in scientific research, economics, and in virtually every other form of human organizational activity. Examples of data sets include price indices (such as consumer price index), unemployment rates, literacy rates, and census data. In this context, data represents the raw facts and figures which can be used in such a manner in order to capture the useful information out of it. Dat ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Point Of Interaction
The point of sale (POS) or point of purchase (POP) is the time and place at which a retail transaction is completed. At the point of sale, the merchant calculates the amount owed by the customer, indicates that amount, may prepare an invoice for the customer (which may be a cash register printout), and indicates the options for the customer to make payment. It is also the point at which a customer makes a payment to the merchant in exchange for goods or after provision of a service. After receiving payment, the merchant may issue a receipt for the transaction, which is usually printed but can also be dispensed with or sent electronically. To calculate the amount owed by a customer, the merchant may use various devices such as weighing scales, barcode scanners, and cash registers (or the more advanced "POS cash registers", which are sometimes also called "POS systems"). To make a payment, payment terminals, touch screens, and other hardware and software options are available. ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Ingenico
Ingenico is a merchant services technology company based in France, that facilitates secure electronic transactions. The company expanded as a manufacturer of point of sale (POS) payment terminals to also include complete merchant payment SaaS and related services. History Ingenico was founded in France by Jean-Jacques Poutrel and Michel Malhouitre in 1980. It is headquartered in Bezons. In 2008, after the merger resulting in The Ingenium Group, Ingenico closed its R&D centre in Barcelona. This centre developed Ingenico's suite of EFTPOS (Electronic funds transfer at point of sale). In 2008, Ingenico acquired 55% of Fujian Landi, a Chinese EFTPOS vendor. In 2009, Ingenico partnered with its two largest competitors, Hypercom and VeriFone, to found the Secure POS Vendor Alliance, a non-profit organization whose goal is to increase awareness of and improve payment industry security. Ingenico acquired German payment processor Easycash in 2009 for €290 million EUR. In 2011, ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
VeriFone
Verifone is an American multinational corporation headquartered in Coral Springs, Florida. Verifone provides technology for electronic payment transactions and value-added services at the point-of-sale. Verifone sells merchant-operated, consumer-facing and self-service payment systems to the financial, retail, hospitality, petroleum, government and healthcare industries. The company's products consist of POS electronic payment devices that run its own operating systems, security and encryption software, and certified payment software, and that are designed for both consumer-facing and unattended environments. Its products process a range of payment types, including signature and personal identification number (PIN)-based debit cards, credit cards, contactless/radio frequency identification cards, smart cards, prepaid gift and other stored-value cards, electronic bill payment, check authorization and conversion, signature capture and Electronic Benefit Transfer (EBT). In 20 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Wincor Nixdorf
Wincor Nixdorf was a German corporation that provided retail and retail banking hardware, software, and services. Wincor Nixdorf was engaged primarily in the sale, manufacture, installation and service of self-service transaction systems (such as ATMs), retail banking equipment, lottery terminals, postal terminals, software and services for global financial and commercial markets. Following Wincor Nixdorf's IPO in May 2004, KKR and Goldman Sachs sold all of their shares. In total, KKR received over €685 million, broken down into €160 million in dividends in 2004, €225 million (two-thirds of stock market proceeds) in 2005, and €300 million in sales proceeds, also in 2005. During the five years that KKR and Goldman Sachs, the number of employees at Wincor Nixdorf increased from 3,400 to 6,300. In October 2015, Wincor Nixdorf’s cashless Payments unit was carved out of the group and started trading independently under the name of AEVI. On August 15, 2016, through the mer ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
EFTPOS
Electronic funds transfer at point of sale (EFTPOS; ) is an electronic payment system involving electronic funds transfers based on the use of payment cards, such as debit or credit cards, at payment terminals located at points of sale. EFTPOS technology was developed during the 1980s. In Australia and New Zealand, it is also the brand name of a specific system used for such payments; these systems are mainly country-specific and do not interconnect. In Singapore, it is known as NETS. Debit and credit cards are embossed plastic cards complying with ISO/IEC 7810 ID-1 standard. The cards have an embossed bank card number conforming with the ISO/IEC 7812 numbering standard. History EFTPOS technology originated in the United States in 1981 and was rolled out in 1982. Initially, a number of nationwide systems were set up, such as ''Interlink'', which were limited to participating correspondent banking relationships, not being linked to each other. Consumers and merchants were s ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Wire Transfer
Wire transfer, bank transfer, or credit transfer, is a method of electronic funds transfer from one person or entity to another. A wire transfer can be made from one bank account to another bank account, or through a transfer of cash at a cash office. Different wire transfer systems and operators provide a variety of options relative to the immediacy and finality of settlement and the cost, value, and volume of transactions. Central bank wire transfer systems, such as the Federal Reserves Fedwire system in the United States, are more likely to be real-time gross settlement (RTGS) systems, as they provide the quickest availability of funds. This is because they post the gross (complete) entry against electronic accounts of the wire transfer system operator. Other systems, such as the Clearing House Interbank Payments System (CHIPS), provide net settlement on a periodic basis. More immediate settlement systems tend to process higher monetary value time-critical transactions, hav ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Electronic Funds Transfer
Electronic funds transfer (EFT) is the electronic transfer of money from one bank account to another, either within a single financial institution or across multiple institutions, via computer-based systems, without the direct intervention of bank staff. According to the United States Electronic Fund Transfer Act of 1978 it is "a funds transfer initiated through an electronic terminal, telephone, computer (including on-line banking) or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer's account". EFT transactions are known by a number of names across countries and different payment systems. For example, in the United States, they may be referred to as "electronic checks" or "e-checks". In the United Kingdom, the term "bank transfer" and "bank payment" are used, in Canada, " e-transfer" is used, while in several other European countries " giro transfer" is the common term. Types EFTs include, but ar ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Retail Point Of Sale Systems
Retail is the sale of goods and services to consumers, in contrast to wholesaling, which is sale to business or institutional customers. A retailer purchases goods in large quantities from manufacturers, directly or through a wholesaler, and then sells in smaller quantities to consumers for a profit. Retailers are the final link in the supply chain from producers to consumers. Retail markets and shops have a very ancient history, dating back to antiquity. Some of the earliest retailers were itinerant peddlers. Over the centuries, retail shops were transformed from little more than "rude booths" to the sophisticated shopping malls of the modern era. In the digital age, an increasing number of retailers are seeking to reach broader markets by selling through multiple channels, including both bricks and mortar and online retailing. Digital technologies are also affecting the way that consumers pay for goods and services. Retailing support services may also include the provision of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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