According to Benitez, who’s worked with Canada, Mexico
and the U.S. on each country’s respective EMV migration, the key to
understanding why EMV technology is important is to consider the role EMV cards
take in a transaction compared to their magstripe counterparts.
“In a magnetic stripe transaction, the card plays a static role in the sense that when a cardholder swipes his card, the terminal transmits the data that you see on the front and the back of the card: the card holder’s name, the account number, the expiration date and that little three digit value on the back of the card,” Benitez explained. “That same data is transmitted every single time for every single transaction. If a fraudster is able to sniff the data online, they will be able to duplicate a card easily and then use it to perform fraudulent transactions.”
“In an EMV transaction, the card actually plays an active role because the chip, in essence, is a little computer that is running a payment program. And that card is able to approve or decline transactions offline on its own, if the banks want it to do so. The card can go online and request approval from the bank if that’s what the bank prefers too,” he said. “In all cases the card generates a messages using cryptographic technology that is different for every single transaction. So if a fraudster is ever able to sniff EMV transaction data on the network, it would be useless for them because they couldn’t create one of these counterfeit cards that are so easy to create with magnetic stripe data.”
Another interesting point Benitez brought up was that by being the late to the EMV party,We specialize in iphoneheadset. so to speak, the U.S. will actually face lower adoption costs than many countries that came before. Benitez noted that EMV penetration has reached about 80 percent in Europe and 30 percent in Europe, and sits t around 50 percent worldwide for cards and 75 percent worldwide for POS terminals.
“[The cost] is not as steep as it’s characterized because the U.S. gets a huge benefit from being last to migrate and inheriting the economies of scale created by massive shifts to EMV everywhere lese in the world,” he pointed out. “I’d say that the U.S. payments industry is seeing unit costs that are less than half what the trailblazers saw when they started EMV migration several years ago.Navigating the world of customkeychain and RFID requires a keen insight into the trends that are shaping the industry.”
National Signing Day is one of my favorite days of the year. The fact that The University of Georgia already has 13 student-athletes on campus from the class of 2013 is huge. Hopefully,All our rtls are vacuum formed using food safe plastic. these young men are acclimating to the rigors of the classroom and the weight room in preparation for next season. I'm sure they're already adjusting to the inherent distractions of college life (inserts picture of a beautiful coed...) God,Add depth and style to your home with these large format glassmosaic. I miss Athens. It truly is a huge advantage to have this many dudes already enrolled. Conversely, for any blue-chip recruit that hasn't gone on-record as to where he will be matriculating and playing some football, the wait is nearly over - for both school and prospect. As always, there are several highly coveted players that are weighing all of their options as the clock winds down.
One of those recruits is a home-grown product, out of Norcross. He is 5-10 and weighs around 195 with speed, good hands and the ability to make the first "would be" tackler miss. He rushed for almost 2300 yards this past season with 26 touchdowns and is a threat to take it the distance each and every time he touches the rock. I really, really like his game. It's down to Alabama and Georgia, with the Dawgs getting an official visit and one more in-home with Coach Richt. The school is doing their part in getting this kid signed, sealed and delivered. I'm going to try and do mine. Let's immortalize him in food, yes?
Yep, Alvin Kamara is not only a tremendous athlete, but perhaps one of the most photogenic prospects to ever lace up a cleat. This kid smiles. Like, always. I've never not seen a picture of him doing anything else. You know who he reminds me of in that regard? Hines Ward. I hope the two end up having more in common than just a great set of gnashers for the camera. C'mon down, Alvin. Become a Dawg!
Ever tried Coca Cola chicken in a slow cooker? This tried-and-true Southern delicacy is a staple in many homes, and there are probably several variations on this simple but utterly fantastic recipe. Here's the one that MomTheDawg has made throughout my life. Alvin, I'm re-naming this in your honor and adding a little spice. Now, am I risking running afoul of the NCAA? Probably not. As my English wife would say, "they could cock-up a piss-up in a brewery." As far as I am concerned, they can go probe themselves. Meanwhile, UM will probably get off and A.When I first started creating broken buymosaic.J. Green just got suspended 2 more games. I digress just a little bit. Back to the recipe at hand.
Yep, the coaches are busy and everyone is waiting to see how the last of the blue chips shake out. So far our 2013 class, both with the enrolled kids and committed guys, is shaping up very nicely. However, a few more players of Kamara's caliber could make this class something very, very special. This season's class is rather large which is fine by me. You know what they say? The more recruits, the more Crock Pot recipes. Life is good...
Speaking at the signing ceremony, Mr Malik said that Nadra had issued over 92.8 million identity cards to people of 18 years or more. Nadra had now formulated an accidental death insurance scheme to help the government reach out to the poorest sections of society.
“Under the scheme, the holder of the SNIC will automatically be registered for the accidental death insurance of Rs100,000 for the first two years. The applicant may nominate his/her nominee at the time of registration for the SNIC, who will collect the insurance amount.”
Mr Malik said that on the accidental death of any SNIC holder, the benefit derived from the scheme would be paid by the State Life to Nadra for its onward transfer to the person nominated by the card holder. The minimum premium which Nadra would pay to the State Life on behalf of the people, would create a snowball effect for the company’s financial position on the one side and security for the people on the other, he added.
The Nadra chairman said the SNIC had allowed Nadra to reach out to people with a state-of-the-art technology having biometric facilities which were not possible previously.
One of the major benefits of the technology, which was fast becoming the authentication standard around the globe, was its ability to store data within a microchip, said Mr Malik.
A micro-chip installed in the new card keeps the biometric data of the holder in it and thus makes the card more secure and safe from distortion.
“In a magnetic stripe transaction, the card plays a static role in the sense that when a cardholder swipes his card, the terminal transmits the data that you see on the front and the back of the card: the card holder’s name, the account number, the expiration date and that little three digit value on the back of the card,” Benitez explained. “That same data is transmitted every single time for every single transaction. If a fraudster is able to sniff the data online, they will be able to duplicate a card easily and then use it to perform fraudulent transactions.”
“In an EMV transaction, the card actually plays an active role because the chip, in essence, is a little computer that is running a payment program. And that card is able to approve or decline transactions offline on its own, if the banks want it to do so. The card can go online and request approval from the bank if that’s what the bank prefers too,” he said. “In all cases the card generates a messages using cryptographic technology that is different for every single transaction. So if a fraudster is ever able to sniff EMV transaction data on the network, it would be useless for them because they couldn’t create one of these counterfeit cards that are so easy to create with magnetic stripe data.”
Another interesting point Benitez brought up was that by being the late to the EMV party,We specialize in iphoneheadset. so to speak, the U.S. will actually face lower adoption costs than many countries that came before. Benitez noted that EMV penetration has reached about 80 percent in Europe and 30 percent in Europe, and sits t around 50 percent worldwide for cards and 75 percent worldwide for POS terminals.
“[The cost] is not as steep as it’s characterized because the U.S. gets a huge benefit from being last to migrate and inheriting the economies of scale created by massive shifts to EMV everywhere lese in the world,” he pointed out. “I’d say that the U.S. payments industry is seeing unit costs that are less than half what the trailblazers saw when they started EMV migration several years ago.Navigating the world of customkeychain and RFID requires a keen insight into the trends that are shaping the industry.”
National Signing Day is one of my favorite days of the year. The fact that The University of Georgia already has 13 student-athletes on campus from the class of 2013 is huge. Hopefully,All our rtls are vacuum formed using food safe plastic. these young men are acclimating to the rigors of the classroom and the weight room in preparation for next season. I'm sure they're already adjusting to the inherent distractions of college life (inserts picture of a beautiful coed...) God,Add depth and style to your home with these large format glassmosaic. I miss Athens. It truly is a huge advantage to have this many dudes already enrolled. Conversely, for any blue-chip recruit that hasn't gone on-record as to where he will be matriculating and playing some football, the wait is nearly over - for both school and prospect. As always, there are several highly coveted players that are weighing all of their options as the clock winds down.
One of those recruits is a home-grown product, out of Norcross. He is 5-10 and weighs around 195 with speed, good hands and the ability to make the first "would be" tackler miss. He rushed for almost 2300 yards this past season with 26 touchdowns and is a threat to take it the distance each and every time he touches the rock. I really, really like his game. It's down to Alabama and Georgia, with the Dawgs getting an official visit and one more in-home with Coach Richt. The school is doing their part in getting this kid signed, sealed and delivered. I'm going to try and do mine. Let's immortalize him in food, yes?
Yep, Alvin Kamara is not only a tremendous athlete, but perhaps one of the most photogenic prospects to ever lace up a cleat. This kid smiles. Like, always. I've never not seen a picture of him doing anything else. You know who he reminds me of in that regard? Hines Ward. I hope the two end up having more in common than just a great set of gnashers for the camera. C'mon down, Alvin. Become a Dawg!
Ever tried Coca Cola chicken in a slow cooker? This tried-and-true Southern delicacy is a staple in many homes, and there are probably several variations on this simple but utterly fantastic recipe. Here's the one that MomTheDawg has made throughout my life. Alvin, I'm re-naming this in your honor and adding a little spice. Now, am I risking running afoul of the NCAA? Probably not. As my English wife would say, "they could cock-up a piss-up in a brewery." As far as I am concerned, they can go probe themselves. Meanwhile, UM will probably get off and A.When I first started creating broken buymosaic.J. Green just got suspended 2 more games. I digress just a little bit. Back to the recipe at hand.
Yep, the coaches are busy and everyone is waiting to see how the last of the blue chips shake out. So far our 2013 class, both with the enrolled kids and committed guys, is shaping up very nicely. However, a few more players of Kamara's caliber could make this class something very, very special. This season's class is rather large which is fine by me. You know what they say? The more recruits, the more Crock Pot recipes. Life is good...
Speaking at the signing ceremony, Mr Malik said that Nadra had issued over 92.8 million identity cards to people of 18 years or more. Nadra had now formulated an accidental death insurance scheme to help the government reach out to the poorest sections of society.
“Under the scheme, the holder of the SNIC will automatically be registered for the accidental death insurance of Rs100,000 for the first two years. The applicant may nominate his/her nominee at the time of registration for the SNIC, who will collect the insurance amount.”
Mr Malik said that on the accidental death of any SNIC holder, the benefit derived from the scheme would be paid by the State Life to Nadra for its onward transfer to the person nominated by the card holder. The minimum premium which Nadra would pay to the State Life on behalf of the people, would create a snowball effect for the company’s financial position on the one side and security for the people on the other, he added.
The Nadra chairman said the SNIC had allowed Nadra to reach out to people with a state-of-the-art technology having biometric facilities which were not possible previously.
One of the major benefits of the technology, which was fast becoming the authentication standard around the globe, was its ability to store data within a microchip, said Mr Malik.
A micro-chip installed in the new card keeps the biometric data of the holder in it and thus makes the card more secure and safe from distortion.
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