STJ takes great strides to be up to date on the latest technologies, innovative ideas and best practices for payment processes. Our most critical concern is to ensure the security of our customers and our partners. Feel free to contact us to help you by providing you with the knowledge you will need to prepare for and implement a complete payment security plan. Listed below are links to relevant retail payments technical documents. These documents are compatible with Adobe Acrobat Reader Version 4.0 and can be easily saved to your hard disk by right-mouse-clicking on the link and selecting save target as.
Retail Payments Technical Documents:
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PCI DSS Version 1.2- The Payment Card Industry (PCI) Data Security Standard (DSS) was developed to encourage and enhance cardholder data security and facilitate the broad adoption of consistent data security measures globally. This document, PCI Data Security Standard Requirements and Security Assessment Procedures, uses as its foundation the 12 PCI DSS requirements, and combines them with corresponding testing procedures into a security assessment tool. It is designed for use by assessors conducting onsite reviews for merchants and service providers who must validate compliance with the PCI DSS. More
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An Introduction to EMV- A magnetic stripe card generally provides single functions such as payment with access to a savings or checking account (debit card) or payment access to a line of credit (credit card). Thanks to the advent of the microprocessor, smart cards can combine payment with other value added applications like loyalty, identity, transportation, e-purse, and e-commerce onto a single card. This provides convenience to consumers while lowering the cost of issuance. This is called multi-application capability and EMV is the key to providing such capability. In a multi-application card, payments become one important application in the midst of other allowed applications. This paper will help the reader understand what EMV is and its benefits. More
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Payment Card Technology
Topics Covered in This Presentation
- Understanding How Payment Cards Work
- Understanding Vulnerabilities
- Payment Card Vulnerabilities
- Managing Risk
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The Implications of Chip & PIN Migration- Between now and 2010, Visa Canada and its members will be implementing Chip & PIN technology for credit cards in the Canadian marketplace. With this proposed introduction, negative reports have surfaced about the cost implications for retailers. However, there has not been a study that has addressed both the qualitative and quantitative implications of this type of technology for Canadian retailers. More
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Visa News Release: New Chip Migration Study Provides Good News for Canadian Retailers- The Implications of Chip & PIN Migration: A Canadian Retailer’s Perspective, an independent study released today, shows long-term benefits for retailers who implement upgraded technology that allows them to accept more secure payment cards.
- The study provides background, analysis, and details regarding the migration to Chip and PIN, as well as a cost-benefit analysis for merchants. It shows that the majority of retailers who use rented hardware from their Acquirer will assume minimal costs associated with migration and will reap many benefits. The study also shows that retailers with integrated point-of-sale systems can expect a return on investment in 21 to 35 months. More
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