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US Bankcard Services Inc
{{Infobox company , name=U.S. Bankcard Services, Inc. , logo = , type = , foundation = California, United States, {{Start date, 1996 , founder = Chris Chang , defunct = , location_city = , location_country = , location = City of Industry, California, USA , locations = , area_served = United States , key_people = Chris Chang, President , industry = Financial services , products = , services = Payment processingCredit Card TerminalsGift/loyalty cardsPOS SystemsQuickDiningMobile Processing , market cap = , revenue = , operating_income = , net_income = , aum = , assets = , equity = , owner = , num_employees = , parent = , divisions = , subsid = , homepage = http://www.usbsi.com/ , footnotes = , intl = U.S. Bankcard Serv ...
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California
California is a U.S. state, state in the Western United States, located along the West Coast of the United States, Pacific Coast. With nearly 39.2million residents across a total area of approximately , it is the List of states and territories of the United States by population, most populous U.S. state and the List of U.S. states and territories by area, 3rd largest by area. It is also the most populated Administrative division, subnational entity in North America and the 34th most populous in the world. The Greater Los Angeles area and the San Francisco Bay Area are the nation's second and fifth most populous Statistical area (United States), urban regions respectively, with the former having more than 18.7million residents and the latter having over 9.6million. Sacramento, California, Sacramento is the state's capital, while Los Angeles is the List of largest California cities by population, most populous city in the state and the List of United States cities by population, ...
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UnionPay
UnionPay (), also known as China UnionPay () or by its abbreviation, CUP or UPI internationally, is a Chinese state-owned financial services corporation headquartered in Shanghai, China. It provides bank card services and a major card scheme in mainland China. Founded on 26 March 2002, China UnionPay is an association for China's banking card industry, operating under the approval of the People's Bank of China (PBOC, central bank of China). It is also an electronic funds transfer at point of sale (EFTPOS) network, and the only interbank network in China that links all the automatic teller machine (ATMs) of all banks throughout the country. UnionPay cards can be used in 180 countries and regions around the world. In 2015 the UnionPay overtook Visa and Mastercard in total value of payments made by customers and became the largest card payment processing organization (debit and credit cards combined) in the world surpassing the two. However, only 0.5% of this payment volume was ...
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Point Of Sale Companies
Point or points may refer to: Places * Point, Lewis, a peninsula in the Outer Hebrides, Scotland * Point, Texas, a city in Rains County, Texas, United States * Point, the NE tip and a ferry terminal of Lismore, Scotland, Lismore, Inner Hebrides, Scotland * Points, West Virginia, an unincorporated community in the United States Business and finance *Point (loyalty program), a type of virtual currency in common use among mercantile loyalty programs, globally *Point (mortgage), a percentage sometimes referred to as a form of pre-paid interest used to reduce interest rates in a mortgage loan * Basis point, 1/100 of one percent, denoted ''bp'', ''bps'', and ''‱'' * Percentage points, used to measure a change in percentage absolutely * Pivot point (technical analysis), a price level of significance in analysis of a financial market that is used as a predictive indicator of market movement * "Points", the term for profit sharing in the American film industry, where creatives involved ...
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Merchant Services
Merchant services is a broad category of financial services intended for use by businesses. In its most specific use, it usually refers to merchant processing services that enables a business to accept a transaction payment through a secure (encrypted) channel using the customer's credit card or debit card or NFC/RFID enabled device. More generally, the term may include: * Credit and debit cards payment processing * Check guarantee and check conversion services * Automated clearing house check drafting and payment services * Gift card and loyalty programs * Payment gateway * Merchant cash advances * Online transaction processing * Point of sale (POS) systems * Electronic benefit transfer programs, such as ration stamps (called ''food stamps'' in the U.S.). Merchant service providers work as an intermediary between the bank, a person or organisation wanting to receive funds and the person or organisation looking to purchase goods or services. The merchant service provider will ...
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Financial Services Companies Of The United States
Finance is the study and discipline of money Money is any item or verifiable record that is generally accepted as payment for goods and services and repayment of debts, such as taxes, in a particular country or socio-economic context. The primary functions which distinguish money are as ..., currency and capital assets. It is related to, but not synonymous with economics, the study of Production (economics), production, Distribution (economics), distribution, and Consumption (economics), consumption of money, assets, goods and services (the discipline of financial economics bridges the two). Finance activities take place in Financial system, financial systems at various scopes, thus the field can be roughly divided into Personal finance, personal, Corporate finance, corporate, and public finance. In a financial system, assets are bought, sold, or traded as Financial instrument, financial instruments, such as Currency, currencies, Loan, loans, Bond (finance), bonds, Shar ...
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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 ...
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Hypercom
Hypercom was an Australian company which was a pioneer of electronic payment processing hardware and software. It was acquired by rival VeriFone in 2011. History Hypercom was founded by Hungarian born George Wallner, David Saul and Leslie Fritz in Sydney Australia in 1978. It went on to dominate the south pacific region in terms of payment terminals. In 1988 the company signed a deal with American Express to provide its terminals to them in the US. To consolidate the deal, Hypercom moved its head office from Australia to Arizona in the US. It then faced head to head competition with 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, consum ... on its home market. On April 4, 2011, Ingenico announced its agreement to acquire Hypercom's U.S. Payment Systems Business prior to the c ...
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Hotel
A hotel is an establishment that provides paid lodging on a short-term basis. Facilities provided inside a hotel room may range from a modest-quality mattress in a small room to large suites with bigger, higher-quality beds, a dresser, a refrigerator and other kitchen facilities, upholstered chairs, a flat screen television, and En-suite, en-suite bathrooms. Small, lower-priced hotels may offer only the most basic guest services and facilities. Larger, higher-priced hotels may provide additional guest facilities such as a swimming pool, business centre (with computers, printers, and other office equipment), childcare, conference and event facilities, tennis or basketball courts, gymnasium, restaurants, day spa, and social function services. Hotel rooms are usually Room number, numbered (or named in some smaller hotels and Bed and breakfast, B&Bs) to allow guests to identify their room. Some boutique, high-end hotels have custom decorated rooms. Some hotels offer meals as part ...
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Supermarket
A supermarket is a self-service Retail#Types of outlets, shop offering a wide variety of food, Drink, beverages and Household goods, household products, organized into sections. This kind of store is larger and has a wider selection than earlier grocery stores, but is smaller and more limited in the range of merchandise than a hypermarket or Big-box store, big-box market. In everyday United States, U.S. usage, however, "grocery store" is synonymous with supermarket, and is not used to refer to other types of stores that sell groceries. The supermarket typically has places for fresh meat, fresh produce, dairy, Delicatessen, deli items, baked goods, etc. Shelf space is also reserved for canned and packaged goods and for various non-food items such as kitchenware, household cleaners, pharmacy products and pet supplies. Some supermarkets also sell other household products that are consumed regularly, such as alcohol (where permitted), medicine, and clothing, and some sell a much w ...
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Ecommerce
E-commerce (electronic commerce) is the activity of electronically buying or selling of products on online services or over the Internet. E-commerce draws on technologies such as mobile commerce, electronic funds transfer, supply chain management, Internet marketing, online transaction processing, electronic data interchange (EDI), inventory management systems, and automated data collection systems. E-commerce is in turn driven by the technological advances of the semiconductor industry, and is the largest sector of the electronics industry. Defining e-commerce The term was coined and first employed by Dr. Robert Jacobson, Principal Consultant to the California State Assembly's Utilities & Commerce Committee, in the title and text of California's Electronic Commerce Act, carried by the late Committee Chairwoman Gwen Moore (D-L.A.) and enacted in 1984. E-commerce typically uses the web for at least a part of a transaction's life cycle although it may also use other technolog ...
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Retail
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 ...
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Card Not Present Transaction
A card-not-present transaction (CNP, mail order / telephone order, MO/TO) is a payment card transaction made where the cardholder does not or cannot physically present the card for a merchant's visual examination at the time that an order is given and payment effected. It is most commonly used for payments made over the Internet, but can also be used with mail-order transactions by mail or fax, or over the telephone. Card-not-present transactions are a major route for credit card fraud, because it is difficult for a merchant to verify that the actual cardholder is indeed authorizing a purchase. If a fraudulent CNP transaction is reported, the acquiring bank hosting the merchant account that received the money from the fraudulent transaction must make restitution to the cardholder, which is called a chargeback. This is the opposite of a card present transaction, when the issuer of the card is liable for restitution. Because of the greater risk, some card issuers charge a greater tr ...
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