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Short Payment Descriptor
Short Payment Descriptor (SPAYD, SPD) is a compact data format for an easy exchange of payment information using modern electronic channels, such as smart phones or NFC devices. Practically, the format is being deployed in the Czech Republic (where the format is an accepted unique standard for QR code payments) and the Slovak Republic, but the format can be technically used with any bank using IBAN account numbers. That includes currently the majority of European countries, some in the Middle East and a few others. History Development of the format started in May 2012 during the development of the mobile banking app for Raiffeisenbank a.s. (Czech branch of Raiffeisen BANK International) in cooperation with a technology company Inmite s.r.o. Originally, the format was intended for use for P2P Payments via a QR Code. Later, it was generalized for many other usages, such as NFC payments or online payments. The format was created as an open effort from the very beginning and a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Czech Republic
The Czech Republic, or simply Czechia, is a landlocked country in Central Europe. Historically known as Bohemia, it is bordered by Austria to the south, Germany to the west, Poland to the northeast, and Slovakia to the southeast. The Czech Republic has a hilly landscape that covers an area of with a mostly temperate continental and oceanic climate. The capital and largest city is Prague; other major cities and urban areas include Brno, Ostrava, Plzeň and Liberec. The Duchy of Bohemia was founded in the late 9th century under Great Moravia. It was formally recognized as an Imperial State of the Holy Roman Empire in 1002 and became a kingdom in 1198. Following the Battle of Mohács in 1526, the whole Crown of Bohemia was gradually integrated into the Habsburg monarchy. The Protestant Bohemian Revolt led to the Thirty Years' War. After the Battle of White Mountain, the Habsburgs consolidated their rule. With the dissolution of the Holy Empire in 1806, the Cro ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
VCard
vCard, also known as VCF (Virtual Contact File), is a file format standard for electronic business cards. vCards can be attached to e-mail messages, sent via Multimedia Messaging Service (MMS), on the World Wide Web, instant messaging, NFC or through QR code. They can contain name and address information, phone numbers, e-mail addresses, URLs, logos, photographs, and audio clips. vCard is used as data interchange format in smartphone contacts, personal digital assistants (PDAs), personal information managers (PIMs) and customer relationship management (CRMs). To accomplish these data interchange applications, other "vCard variants" have been used and proposed as "variant standards", each for its specific niche: XML representation, JSON representation, or web pages. An unofficial vCard Plus format makes use of a URL to a customized landing page with all the basic information along with a profile photo, geographic location, and other fields. This can also be saved as a conta ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Data Serialization Formats
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] |
Computer File Formats
A computer is a machine that can be programmed to carry out sequences of arithmetic or logical operations (computation) automatically. Modern digital electronic computers can perform generic sets of operations known as programs. These programs enable computers to perform a wide range of tasks. A computer system is a nominally complete computer that includes the hardware, operating system (main software), and peripheral equipment needed and used for full operation. This term may also refer to a group of computers that are linked and function together, such as a computer network or computer cluster. A broad range of industrial and consumer products use computers as control systems. Simple special-purpose devices like microwave ovens and remote controls are included, as are factory devices like industrial robots and computer-aided design, as well as general-purpose devices like personal computers and mobile devices like smartphones. Computers power the Internet, which links bil ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
EPC QR Code
The European Payments Council Quick Response Code guidelines define the content of a QR code that can be used to initiate SEPA credit transfer (SCT). It contains all the necessary information in clear text. These QR code guidelines are used on many invoices and payment requests in the countries that support it (Austria, Belgium, Finland, Germany, The Netherlands) enabling tens of millions to pay without requiring manual input leading to lower error rates. The EPC guidelines are available from the EPC itself. Another version has also been published by the Federation of Finnish Finance Services (FFI). Sample content So the QR string could be BCD 001 1 SCT BPOTBEB1 Red Cross of Belgium BE72000000001616 EUR1 CHAR Urgency fund Sample EPC QR code History In the course of 2012, Austrian payment facilitator STUZZA (now part of PSA Payment Services Austria) defined the content of a QR code that could be used to initiate money transfers within the Single Euro Payments Area ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Near Field Communication
Near-field communication (NFC) is a set of communication protocols that enables communication between two electronic devices over a distance of 4 cm (1 in) or less. NFC offers a low-speed connection through a simple setup that can be used to bootstrap more-capable wireless connections. Like other "proximity card" technologies, NFC is based on inductive coupling between two so-called antennas present on NFC-enabled devices—for example a smartphone and a printer—communicating in one or both directions, using a frequency of 13.56 MHz in the globally available unlicensed radio frequency ISM band using the ISO/IEC 18000-3 air interface standard at data rates ranging from 106 to 424 kbit/s. The standards were provided by the NFC Forum. The forum was responsible for promoting the technology and setting standards and certifies device compliance. Secure communications are available by applying encryption algorithms as is done for credit cards and if they fit the crite ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Automated Teller Machine
An automated teller machine (ATM) or cash machine (in British English) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, balance inquiries or account information inquiries, at any time and without the need for direct interaction with bank staff. ATMs are known by a variety of names, including automatic teller machine (ATM) in the United States (sometimes redundantly as "ATM machine"). In Canada, the term ''automated banking machine'' (ABM) is also used, although ATM is also very commonly used in Canada, with many Canadian organizations using ATM over ABM. In British English, the terms ''cashpoint'', ''cash machine'' and ''hole in the wall'' are most widely used. Other terms include ''any time money'', ''cashline'', ''tyme machine'', ''cash dispenser'', ''cash corner'', ''bankomat'', or ''bancomat''. ATMs that are not operated by a financial i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
MIME
Multipurpose Internet Mail Extensions (MIME) is an Internet standard that extends the format of email messages to support text in character sets other than ASCII, as well as attachments of audio, video, images, and application programs. Message bodies may consist of multiple parts, and header information may be specified in non-ASCII character sets. Email messages with MIME formatting are typically transmitted with standard protocols, such as the Simple Mail Transfer Protocol (SMTP), the Post Office Protocol (POP), and the Internet Message Access Protocol (IMAP). The MIME standard is specified in a series of requests for comments: , , , , and . The integration with SMTP email is specified in and . Although the MIME formalism was designed mainly for SMTP, its content types are also important in other communication protocols. In the HyperText Transfer Protocol (HTTP) for the World Wide Web, servers insert a MIME header field at the beginning of any Web transmission. Clients ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Percent-encoding
Percent-encoding, also known as URL encoding, is a method to encode arbitrary data in a Uniform Resource Identifier (URI) using only the limited US-ASCII characters legal within a URI. Although it is known as ''URL encoding'', it is also used more generally within the main Uniform Resource Identifier (URI) set, which includes both Uniform Resource Locator (URL) and Uniform Resource Name (URN). As such, it is also used in the preparation of data of the application/x-www-form-urlencoded media type, as is often used in the submission of HTML form data in HTTP requests. Percent-encoding in a URI Types of URI characters The characters allowed in a URI are either ''reserved'' or ''unreserved'' (or a percent character as part of a percent-encoding). ''Reserved'' characters are those characters that sometimes have special meaning. For example, forward slash characters are used to separate different parts of a URL (or more generally, a URI). ''Unreserved'' characters have no such m ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
ASCII
ASCII ( ), abbreviated from American Standard Code for Information Interchange, is a character encoding standard for electronic communication. ASCII codes represent text in computers, telecommunications equipment, and other devices. Because of technical limitations of computer systems at the time it was invented, ASCII has just 128 code points, of which only 95 are , which severely limited its scope. All modern computer systems instead use Unicode, which has millions of code points, but the first 128 of these are the same as the ASCII set. The Internet Assigned Numbers Authority (IANA) prefers the name US-ASCII for this character encoding. ASCII is one of the List of IEEE milestones, IEEE milestones. Overview ASCII was developed from telegraph code. Its first commercial use was as a seven-bit teleprinter code promoted by Bell data services. Work on the ASCII standard began in May 1961, with the first meeting of the American Standards Association's (ASA) (now the American Nat ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Single Euro Payments Area
The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. , there were 36 members in SEPA, consisting of the 27 member states of the European Union, the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland), and the United Kingdom. Some microstates participate in the technical schemes: Andorra, Monaco, San Marino, and Vatican City. SEPA covers predominantly normal bank transfers. Payment methods which have additional optional features or services, such as mobile phone or smart card payment systems, are not directly covered. However, the instant SEPA payment scheme facilitates payment products also on smart devices. Goals The aim of SEPA is to improve the efficiency of cross-border payments and turn the previously fragmented national markets for euro payments into a single domestic one. SEPA enables customers to make cashless eu ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
