Credit Card Readers – HTLHB http://htlhb.com/ Tue, 13 Jul 2021 04:24:23 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://htlhb.com/wp-content/uploads/2021/06/icon-1-150x150.png Credit Card Readers – HTLHB http://htlhb.com/ 32 32 Loophole cannot enforce arbitration in credit card information exchange https://htlhb.com/loophole-cannot-enforce-arbitration-in-credit-card-information-exchange/ https://htlhb.com/loophole-cannot-enforce-arbitration-in-credit-card-information-exchange/#respond Mon, 12 Jul 2021 23:47:00 +0000 https://htlhb.com/loophole-cannot-enforce-arbitration-in-credit-card-information-exchange/ Law360 (Jul 12, 2021, 7:47 p.m. EDT) – The Gap Inc. cannot enforce arbitration in a proposed class action lawsuit alleging that it violated the California Consumer Privacy Act by using data from Gap- Software company passes credit card users to third party, with a federal judge finding that the bank that issues the cards […]]]>


Law360 (Jul 12, 2021, 7:47 p.m. EDT) – The Gap Inc. cannot enforce arbitration in a proposed class action lawsuit alleging that it violated the California Consumer Privacy Act by using data from Gap- Software company passes credit card users to third party, with a federal judge finding that the bank that issues the cards is the party who could enforce arbitration.

U.S. District Judge John W. Holcomb said in Thursday’s injunction that the gap cannot invoke the arbitration clause in a credit card agreement that plaintiff Christine Alire allegedly agreed to in May 2019 because the company was not clearly an intended third party beneficiary Contract.

“A simple reading of the clause …

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Global Bank Kiosk Market (2021-2026) https://htlhb.com/global-bank-kiosk-market-2021-2026/ https://htlhb.com/global-bank-kiosk-market-2021-2026/#respond Mon, 12 Jul 2021 09:38:35 +0000 https://htlhb.com/global-bank-kiosk-market-2021-2026/ Dublin, Jul 12, 2021 (GLOBE NEWSWIRE) – The “Global Bank Kiosk Market with COVID-19 Impact Analysis, By Type (Single Function Kiosk, Multifunction Kiosk, Virtual / Video Kiosk), Location (Indoor, Outdoor )) Supply, Sales and Geography – Forecast to 2026 “report was added to ResearchAndMarkets.com to offer. The bank kiosk market was estimated at $ 744 […]]]>


Dublin, Jul 12, 2021 (GLOBE NEWSWIRE) – The “Global Bank Kiosk Market with COVID-19 Impact Analysis, By Type (Single Function Kiosk, Multifunction Kiosk, Virtual / Video Kiosk), Location (Indoor, Outdoor )) Supply, Sales and Geography – Forecast to 2026 “report was added to ResearchAndMarkets.com to offer.

The bank kiosk market was estimated at $ 744 million in 2021 and is expected to grow to $ 1,311 million by 2026; It is expected to grow at a CAGR of 12.0% over the forecast period.

Multi-function kiosks will make up the largest share of the bank kiosk market in 2020

Based on the type, the bank kiosk market has been divided into single function kiosk, multifunction kiosk, and virtual / video ATMs. The multifunction kiosk had the highest share in 2020. Factors such as lower capital expenditures for application development, equipment purchase, installation, and maintenance are pushing banks to favor multi-function kiosks over single-function kiosks, thereby fueling the growth of the banking kiosk market.

Indoor segment will make up the largest share of the bank kiosk market in the forecast period

Based on the location, the bank kiosk market is categorized into indoor and outdoor. Indoor banking kiosks are used in places with limited space and can help attract customers if they are in a crowded location. The growing interest in automation and self-service technologies in the banking and financial services sector is contributing to the greater proportion of indoor kiosks.

APAC is expected to have the highest CAGR in the market over the forecast period

Across all regions, APAC is expected to experience the highest growth in the banking kiosk market over the forecast period. The APAC bank kiosk market consists primarily of India, China, Japan, South Korea, and Australia.

The governments of the APAC countries strive to promote the development of the fintech industry and to offer new, innovative banking solutions. The main goal behind the increasing adoption of fintech is to bring international innovators to market and take banking to the next level.

The use of self-service kiosks is also increasing, especially for the population who prefer banking via interactive kiosks to traditional banking. The APAC self-service kiosk market is growing. Increasing customer awareness of the safety and reliability of bank kiosks will fuel the growth of the bank kiosk market.

Key topics covered:

1 Introduction

2 research methodology

3 Summary

4 premium insights
4.1 Major Opportunities in the Bank Kiosk Market
4.2 Bank kiosk market, by type
4.3 Bank kiosk market, after distribution
4.4 APAC Bank Kiosk Market by Type and Country
4.5 Bank Kiosk Market, By Geography

5 Market overview
5.1 Introduction
5.2 Market dynamics
5.2.1 Driver
5.2.1.1 Growing demand for self-service in the banking and financial services sector
5.2.1.2 Extended customer service from ATMs
5.2.1.3 Reduction of the total cost of ownership
5.2.2 Limitations
5.2.2.1 Increasing use of mobile devices for banking services
5.2.2.2 High installation costs and regular maintenance
5.2.2.3 Increasing incidents of cybercrime
5.2.3 Opportunities
5.2.3.1 Introduction of NFC-based contactless payment in the banking sector in the APAC region
5.2.3.2 Growing investments by companies in the Asia-Pacific region
5.2.4 Challenges
5.2.4.1 Combating cybersecurity threats
5.2.4.2 Constantly growing demand for improved technology
5.3 Value chain analysis
5.4 Regulatory landscape
5.5 Porter’s Five Forces Analyzer
5.5.1 Intensity of competitive rivalry
5.5.2 Proxy threat
5.5.3 Bargaining power of buyers
5.5.4 Bargaining power of suppliers
5.5.5 New Entrants Threat
5.6 Ecosystem Analysis
5.7 Technology analysis
5.7.1 Face recognition
5.7.2 Digital avatars
5.8 case studies
5.8.1 Branch processes are changed by cash recycling of cash
5.8.2 Skimming protection solution eliminates card skimming losses
5.8.3 Saudi Investment Bank improves origination by creating a futuristic branch
5.8.4 Bank Alfalah uses self-service cash deposit solution
5.8.5 Banque Populaire installed smart safes in their branches
5.9 Patent analysis
5.10 Average selling price (ASP) trend
5.11 Trade Analysis

6 Bank kiosk market, by type
6.1 Introduction
6.2 Single function kiosk
6.2.1 Bill payment kiosk
6.2.1.1 Bill payment machines enable on-demand business transactions
6.2.2 Check deposit kiosk
6.2.2.1 Check deposit kiosks enable automatic check collection and receipt printing
6.2.3 Card dispenser
6.2.3.1 Card issuers are essential for card-based transactions in self-service kiosks
6.2.4 Passbook printer
6.2.4.1 Passbook printers are used to print out account statements or passbooks
6.3 Multifunction kiosk
6.3.1 Increasing consumer acceptance and increasing use of numerous applications in the banking sector to increase the demand for multi-function kiosks
6.4 Virtual / video voting machine
6.4.1 Virtual / video ATMs provide remote assistance for complex banking operations

7 bank kiosk market, by supply
7.1 Introduction
7.2 Hardware
7.2.1 Card reader
7.2.1.1 Card readers decode information in microchips on credit and debit cards
7.2.2 Card issuing devices
7.2.2.1 Card issuing machines are used for ticket sales applications in various self-service sectors
7.2.3 Printer
7.2.3.1 Printers are used to print bank statements on passbooks
7.2.4 Touchscreens
7.2.4.1 Touchscreens play an important role in bank kiosks
7.2.5 Keyboards
7.2.5.1 Keyboards are used to enter data on banking transactions
7.2.6 Barcode readers and scanners
7.2.6.1 Barcode readers and scanners scan encrypted code to obtain information
7.3 software
7.3.1 Remote device management
7.3.1.1 Remote device management software enables remote changes in kiosk functions and operations
7.3.2 Usage Analysis Software
7.3.2.1 Usage analysis software determines the current usage rate and findings
7.3.3 Content Management Software
7.3.3.1 Content management software enables digital content management throughout the company
7.3.4 Application Development Platform
7.3.4.1 Application development platform provides licensable code modules for bill payment transaction requirements
7.3.5 Multivendor software
7.3.5.1 Multivendor software provides an individual management area for real-time information about the business
7.4 Services
7.4.1 Services include planning, deployment, installation, training, maintenance, upgrade and technical support

8 Bank Kiosk Market, by Location
8.1 Introduction
8.2 Indoor area
8.2.1 Indoor kiosks offer a viable alternative in closed environments
8.3 Outdoor
8.3.1 Outdoor kiosks should offer durability and function in different environmental conditions

9 Bank kiosk market, after distribution
9.1 Introduction
9.2 Rural
9.2.1 Rural areas have potential for further penetration of bank kiosks
9.3 Semi-urban
9.3.1 Government initiatives to promote digital payments and improve access to financial services would increase demand in semi-urban areas
9.4 Urban
9.4.1 Urban distribution to register the highest growth rate during the forecast period
9.5 metropolitan area
9.5.1 Metropolitan Distribution with high acceptance of bank kiosks due to better trained and technically savvy demographics Dem

10 Geographical Analysis

11 competitive landscape

12 company profiles
12.1 Introduction
12.2 Key Players
12.2.1 NCR Corporation
12.2.2 Diebold Nixdorf®
12.2.3 Fame Limited
12.2.4 GRGBanking
12.2.5 Kal ATM Software GmbH
12.2.6 Oki Electric Industry Co., Ltd.
12.2.7 Auriga SpA
12.2.8 Hitachi-Omron Terminal Solutions, Corp.
12.2.9 Cisco Systems, Inc.
12.2.10 Star Micronics Co., Ltd.
12.3 Other players
12.3.1 Aurionpro Solution Limited
12.3.2 Shenzhen Sui-Yi Touch Computer Co., Ltd.
12.3.3 Olicom
12.3.4 Iagona
12.3.5 Hyosung TNS Inc.
12.3.6 Genmega Inc.
12.3.7 Axiomtek Co., Ltd.
12.3.8 Emerico Limited
12.3.9 Shenzhen Yihua Smart Equipment Technology Co., Ltd.
12.3.10 Phoenix Microsystems
12.3.11 Wavetec®
12.3.12 Veripark
3/12/13 Printec Group
3/12/14 AGS Transact Technologies Ltd.
3/12/15 Partteam & Oemkiosks

13 Appendix
13.1 Discussion Guide
13.2 Knowledge Store: The subscription portal
13.3 Available adjustments
13.4 Related reports
13.5 Author information

Please visit https://www.researchandmarkets.com/r/8gff8a for more information on this report

        



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Dispenser skimmers can steal your money https://htlhb.com/dispenser-skimmers-can-steal-your-money/ https://htlhb.com/dispenser-skimmers-can-steal-your-money/#respond Fri, 09 Jul 2021 00:11:15 +0000 https://htlhb.com/dispenser-skimmers-can-steal-your-money/ You wouldn’t believe your local gas station is a cybercriminal hotspot. But you’d be wrong These crafty thieves have been tearing people down at gas stations for years. The most common method is card skimming and can be done in no time. Criminals attach a card reader to the toll booth at the pump and […]]]>


You wouldn’t believe your local gas station is a cybercriminal hotspot. But you’d be wrong These crafty thieves have been tearing people down at gas stations for years.

The most common method is card skimming and can be done in no time. Criminals attach a card reader to the toll booth at the pump and record your credit / debit card details. Tap or click to see the difference between skimmer and shimmer.

Without realizing that your card has been skimmed off or cloned, the criminals can withdraw all of your money from your account in a matter of minutes. Fortunately, there is a new way to identify these dangerous devices.

Here is the back story

Before we could swipe our card at the pump and fill up the vehicle, we had to go to the store, stand in line and pay for the gas manually. That is, if you remember your pump number. Card readers at the pump allow us to pay, fill up and drive off without having to go further than the pump itself.

But convenience comes with technological dangers, such as card readers or card cloning machines that criminals use. The technology is hard to spot if you don’t know what to look for.

The best way to detect a tampered card reader or gas pump is to investigate it thoroughly. Make sure it hasn’t been opened and the security seal is intact and appears to be okay. If you are concerned, touch the reader and move it around. If a device comes off easily, it has likely been tampered with. In some cases, criminals present an identical reader to the real one.

There are apps to detect skimmers

Technology is used to steal your information, but it can also protect you from criminals. There are several apps out there to thwart Skimmers as criminals become more and more sophisticated in their methods. Recently, criminals have been using devices that send out radio signals and an app can help you spot them.

For iOS

Map skimmer locator

The iOS app helps you to find all map skimmers that transmit signals via Bluetooth Low Energy. “If the scan detects a possible skimmer, it displays a warning sign and the possible name of the skimmer,” explains the app.

It also warns that you should not rely solely on the application and use it in conjunction with other detection methods as mentioned earlier in this article.

For Android

ATM skimmer detector

For Android users, ATM Skimmer Detector offers the same functionality as similar iOS versions. It also uses a bluetooth signal to detect potential map skimmers in your area, not just at ATMs but at gas stations as well. When a skimmer is detected, the application will be displayed with a red warning message.

The FTC has also warned customers to be vigilant about card skimmers. “Criminals sell the stolen data or use it to buy things online. They won’t know your information has been stolen until you get your bank statement or an overdraft notice, ”she warned.

Continue reading

10 Accounts That Are More Valuable To Cybercriminals Than Your Credit Card

600,000 credit card records leaked online – see if you are at risk



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Youth and Credit Cards – Monterey Herald https://htlhb.com/youth-and-credit-cards-monterey-herald/ https://htlhb.com/youth-and-credit-cards-monterey-herald/#respond Tue, 06 Jul 2021 21:31:31 +0000 https://htlhb.com/youth-and-credit-cards-monterey-herald/ question: I remember reading a column you wrote last year about the dangers of college student credit card debt and the story of a college student with credit card debt. I just discovered that my son was hiding $ 3,000 in credit card debt on a credit card I had no idea he owned. Can […]]]>


question: I remember reading a column you wrote last year about the dangers of college student credit card debt and the story of a college student with credit card debt. I just discovered that my son was hiding $ 3,000 in credit card debt on a credit card I had no idea he owned. Can you please repeat this column for the benefit of other parents?

reply: Education about the dangers of credit card fraud could certainly have prevented his current debt situation. Unfortunately, like many adults, he learns the hard way!

When my children turned 18, the credit card inquiries began to flood. Perhaps I was naive to be so appalled by the blatant attempts to give them a life in debt by offering them all kinds of “money-back bonuses” and free calculators, pens, and so on.

As many of us adults have found, it is much easier to acquire credit debt than it is to pay it off. So much fun to buy and load, buy and load, buy and load and so on. However, it is so painful when the credit card bill comes in the mail. Willpower and the ability not to spend beyond our means is generally an emotional function, not an intellectual one. In other words, even the smartest of us find ourselves buried in credit card debt because we cannot resist the emotional temptation to buy something NOW. Do you trust your 18 year old son or daughter that they have the emotional strength to resist every time they see something they MUST have to pull out their credit card?

Of course, you can agree with your child to “check” their card (s) in order to determine their future credit balance. However, don’t forget to raise your child. Unfortunately, our high schools do not offer regular courses or programs on personal finance and the dangers of acquiring and controlling credit card debt. Most of us learn the hard way – when it’s too late and we’re already over-indebted. For those parents reading today’s column, please try to educate their children about credit card debt and the interest rate factor. This time will be well invested. Remember, if your child is in debt, who do you think they will turn to for help? That’s right YOU!

Barry Dolowich is a certified public accountant and owner of a full service accounting and tax firm with offices in Monterey. He can be reached at 831-372-7200. Please direct all questions to him at PO Box 710, Monterey 93942 or by email: bdolowich@gmail.com.



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Cardknox introduces contactless QR code payments https://htlhb.com/cardknox-introduces-contactless-qr-code-payments/ https://htlhb.com/cardknox-introduces-contactless-qr-code-payments/#respond Mon, 05 Jul 2021 08:00:33 +0000 https://htlhb.com/cardknox-introduces-contactless-qr-code-payments/ With the popularity of smartphone use and contactless usage, so too does the number of services that offer it. The use of contactless QR code payments at point of sale has become pretty commonplace over the past year and a half as businesses and consumers seek ways to make transactions without touching devices. Cardknox Development […]]]>


With the popularity of smartphone use and contactless usage, so too does the number of services that offer it.

The use of contactless QR code payments at point of sale has become pretty commonplace over the past year and a half as businesses and consumers seek ways to make transactions without touching devices.

Cardknox Development has now announced that its app is compatible with quick response code.

As a result, software developers who want to add contactless QR code payments to their apps have the option to do so. The Cardknox API enables developers to generate unique quick response codes on point-of-sale devices or on customer receipts. When customers scan the codes with their phone, they are automatically directed to a form where they can enter their payment details to complete the transaction.

For the initial roll-out, Cardknox intends to target developers in the retail, travel and hospitality, healthcare, leisure and entertainment sectors.

“Our API plays with the entire contactless movement of consumer payment convenience by allowing developers to add this functionality to their application,” said Cardknox Marketing Supervisor Alex Varone.

_____________________________

Technology quotes that make you think – “If your plans don’t include a cell phone, your plans are ongoing.”Wendy Clark, Coca-Cola

_____________________________

Contactless QR code payments have become increasingly popular over the past year and a half.

According to a study by Mastercard Inc., contactless transaction methods have been very popular since the beginning of the pandemic. Eight out of ten buyers surveyed said they made contactless payments. In addition, a further 74 percent of those surveyed said they wanted to continue using the technology even after the end of the pandemic.

Cardknox’s Quick Response Code API supports a number of different potential uses. For example, restaurants can print a code on a receipt for a customer and the customer can scan the barcode to complete the payment without a cashier or server handling the credit card or the customer touching the point-of-the-point. Sale keyboard.

Healthcare providers can also use contactless QR code payments to bill patients directly using a pre-filled form with account information and performance data. According to Cardknox, the system processes twice as fast as conventional credit card readers. In addition, data entered through the forms accessed using the barcodes is hosted on the company’s secure and PCI compliant payment infrastructure.



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Biden struggles to answer the Russia question in the Michigan Pie Shop answer https://htlhb.com/biden-struggles-to-answer-the-russia-question-in-the-michigan-pie-shop-answer/ https://htlhb.com/biden-struggles-to-answer-the-russia-question-in-the-michigan-pie-shop-answer/#respond Sun, 04 Jul 2021 19:48:00 +0000 https://htlhb.com/biden-struggles-to-answer-the-russia-question-in-the-michigan-pie-shop-answer/ President Biden struggled to answer a reporter’s question on a subject he had just been briefed on over the weekend and had to reach for notes after being distracted by a cashier while checking out at a Michigan pie shop. The exchange raised concerns about Biden’s mental acuity. “Mr. President, please let me know if […]]]>


President Biden struggled to answer a reporter’s question on a subject he had just been briefed on over the weekend and had to reach for notes after being distracted by a cashier while checking out at a Michigan pie shop.

The exchange raised concerns about Biden’s mental acuity.

“Mr. President, please let me know if I can ask you a question,” a member of the traveling White House press pool told the Commander in Chief.

A grinning Biden – who was paying for cherry pie on Saturday at the checkout in the King Orchards Farm Store in Central Lake, Michigan – told the reporter, “Sure”.

“With the recent hack by the Russians, you would say that -” the reporter said before being interrupted and asked about the gigantic cyberattack that hit over 200 US companies on Friday.

“We’re not sure if it’s the Russians,” said Biden. “I got a letter when I was on the plane. That’s why I got off the plane too late. “

The video of the exchange, recorded by another pool reporter, then becomes flawed, even though the president apparently stops speaking altogether in order to insert his credit card into the chip reader.

Before he started answering the reporter again, the cashier asked him if he needed his receipt before the sound went off temporarily and the video froze.

President Joe Biden was surprised when he tried to answer a reporter's question about Russia's recent cyberattacks.
President Joe Biden was surprised when he tried to answer a reporter’s question about Russia’s recent cyberattacks.
REUTERS / Joshua Roberts

“I’m in better shape to speak to you about it,” Biden said seconds later when the video returned, just before he paused to pull notes from his jacket pocket on the subject he had just been briefed on .

“I’ll tell you what they sent me, OK?” He said then, reading from the piece of paper.

“The idea,” he began after taking a few moments to collect his thoughts, “[F]First, we’re not sure who it is, number one. And what I’ve done, I’ve directed all government resources to help with a response if we see what else you need? ‘ said Biden, drawing his attention to the cashier.

“Oh nothing, you’re done,” she replied.

President Joe Biden purchased cake from the King Orchards farm store in Central Lake, Michigan on July 3, 2021.
President Joe Biden purchased cake from the King Orchards farm store in Central Lake, Michigan on July 3, 2021.
AFP via Getty Images

“Okay,” he said to the cashier, then turned his full attention to the reporter’s question.

“The fact of the matter is, I directed the Secret Service to give me a deep dive into what was going on, and I’ll know better tomorrow. And if it happens to either knowledge and / or a consequence of Russia, then I told Putin we would answer, ”he said, putting the notes in his pocket.

When asked if he had already spoken to the Kremlin, Biden said he had not done so as he was waiting for intelligence services to confirm the information before taking action.

He then voiced doubts in the intelligence community that Russia was the source of the hack.

“We are not sure. The first thought was that it wasn’t the Russian government, but we’re not sure yet. “

The cake shop encounter clip was tweeted by the Republican National Committee and soon raised concerns.

“A MEME comes to life,” Twitchy called the clip.

Others suggested the exchange showed that Biden may be in spiritual decline.

Trump-era director of the National Intelligence Service Richard Grenell tweeted, “Americans are appalled by these weekly videos that highlight Biden’s state of mind. DC reporters ignore these moments – but we’ll see. And we see [the media] Protect Biden. “

“A grocery store employee challenged Biden more than the WH Press Corps would ever do,” added Twitchy writer Doug Powers.

Friday’s mass cyber attack – which cybersecurity firm Huntress Labs blamed for the Russia-affiliated REvil ransomware gang – hit at least 200 companies at the start of Independence Day weekend.

President Joe Biden had to reach for notes in his pocket after being questioned by a pool reporter.
President Joe Biden had to reach for notes in his pocket after being questioned by a pool reporter.
REUTERS / Joshua Roberts

Biden was on a tour in Michigan to mark the end of pandemic restrictions – and to publicize his government’s spending-free economic plans.

It is nowhere near the first time Biden’s mental acuity has been challenged – and the president recently raised it himself without being asked.

In a speech from Wisconsin last Tuesday, the president admitted questions about his mental acuity and said he was wrongly accused of mentally losing him.

And critics have often noticed where Biden appears confused or seems to lose his train of thought.

For example, Biden said last month that COVID-19 killed more Americans than all of the wars of the last century combined – including the U.S. war in Iran, which never happened.

He also attacked reporters last year when they asked him about Trump’s derision of taking a cognitive test.

Last month, more than a dozen members of the Republican House – led by former White House Doctor Ronny Jackson, who now represents Texas – asked Biden to take a cognitive test and publish the results “so that the American people can get the full.” President knows his person’s spiritual and intellectual health. “

“The American people should have absolute confidence in their president,” the letter to Biden said in part.

“You deserve to know that he or she can perform the duties of Head of State and Commander-in-Chief. They deserve full transparency about the mental faculties of their highest elected leader. “





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Increase in skimming devices reported at local gas pumps and ATMs to prevent identity theft https://htlhb.com/increase-in-skimming-devices-reported-at-local-gas-pumps-and-atms-to-prevent-identity-theft/ https://htlhb.com/increase-in-skimming-devices-reported-at-local-gas-pumps-and-atms-to-prevent-identity-theft/#respond Sat, 03 Jul 2021 00:44:49 +0000 https://htlhb.com/increase-in-skimming-devices-reported-at-local-gas-pumps-and-atms-to-prevent-identity-theft/ Palm Springs police say they have seen an increase in skimming devices at local gas pumps and ATMs. “Those things are out there. They are active in the area again, ”said Sgt. Mike Casavan, Palm Springs Police Department The skimming device can read your card as soon as you insert it into the device. Police […]]]>


Palm Springs police say they have seen an increase in skimming devices at local gas pumps and ATMs.

“Those things are out there. They are active in the area again, ”said Sgt. Mike Casavan, Palm Springs Police Department

The skimming device can read your card as soon as you insert it into the device. Police say the suspect can then access your personal information wirelessly while a hidden camera captures your PIN number as you type it on the keypad.

“We are currently receiving reports from companies and reports from people who have been victims of identity theft,” said Sgt. Casavan.

Authorities say there is a possibility you won’t see anything unusual while using a compromised computer. Some of these skimming devices are virtually invisible from the outside.

“The ones we are currently seeing are hidden in the machine,” he added.

A Palm Canyon mobile station says they are on high alert and often check their pumps internally for suspects.

“We have a company come over every few weeks to make sure something like this doesn’t happen. We want our customers to come back and feel safe here, ”said Albert Castillo, Service Manager, Mobil, Palm Springs.

The police say you may want to change the payment method as a preventive measure.

“One of the safest things you can do is pay with cash. Or if you want to use your card, you can pay at the checkout in the store. We understand that this is not always convenient. We’re just saying if you use your card at the pump or ATM just be careful, ”said Sgt. Casavan.

If you’ve been a victim of identity theft, or if you suspect a machine has been compromised with a skimmer, contact the business owner and your local police immediately to file a complaint.

Tips courtesy of Experian.com

  • Pay with cash.
  • Pay where the credit card terminal is less likely to have been tampered with.
  • Use mobile payment options like Google Pay or Apple Pay.
  • Use the chip reader instead of swiping. Shimming is possible this way, but less likely.
  • Use credit instead of direct debit whenever possible. If a thief can steal your debit card information, they will have access to your bank account.
  • Examine the card reader to make sure nothing looks or feels unusual. If something seems wrong, pay inside and report your concern.
  • If possible, only stop at busy, well-lit, and well-maintained gas stations. Look for stickers or other signs that the pumps are being checked regularly.
  • Download the Skimmer Scanner app, which can warn you of a skimmer. The app can warn you via Bluetooth if the pump has been tampered with.

Click here for more information on skimming devices



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Better buy: Shopify vs. Square https://htlhb.com/better-buy-shopify-vs-square/ https://htlhb.com/better-buy-shopify-vs-square/#respond Thu, 01 Jul 2021 16:30:00 +0000 https://htlhb.com/better-buy-shopify-vs-square/ Over the years, Shopify (NYSE: SHOP) and square (NYSE: SQ) have become more and more similar and approach the same market from different perspectives. Shopify initially focused on enabling e-commerce and then switched to point-of-sale (POS) solutions for physical retailers. Square did it the other way around, first launching mobile card readers for stationary retailers […]]]>


Over the years, Shopify (NYSE: SHOP) and square (NYSE: SQ) have become more and more similar and approach the same market from different perspectives.

Shopify initially focused on enabling e-commerce and then switched to point-of-sale (POS) solutions for physical retailers. Square did it the other way around, first launching mobile card readers for stationary retailers and then finding their way into online shops.

Despite their different origins, both investments have paid off. Shopify and Square stocks are up 900% and 295% respectively over the past three years. But which is the better buy today?

Image source: Getty Images

Shopify

In 2004 Tobias Lütke and Scott Lake set out to set up an online snowboard shop. However, they found the experience frustrating and ultimately unhappy with the outcome due to the lack of user-friendly tools. But that disappointment became the inspiration for a better idea: Shopify.

Lütke and Lake co-founded Shopify to simplify e-commerce. Driven by this mission, the company’s cloud-based software is a comprehensive solution that enables sellers to start, operate, and grow their business across physical and digital channels.

Shopify also offers merchant services like payment processing, shipping discount, and financing, all of which are aimed at making trading more accessible. The company is enjoying strong demand – and Shopify is now the retail operating system for 1.7 million merchants worldwide.

In addition, despite competition from companies like Amazon and Walmart, Shopify has consistently exceeded Wall Street expectations, posting impressive financial results like clockwork.

Metric

2017

Q1 2021 (TTM)

CAGR

revenue

$ 673.3 million

$ 3.4 billion

65%

Free cash flow

($ 16.3 million)

$ 615.4 million

N / A

Data source: Shopify SEC filings. TTM = trailing 12 months. CAGR = average annual growth rate.

Management currently puts Shopify’s market opportunity at $ 153 billion, but that number doesn’t take into account large companies (i.e., 500+ employees). That means Shopify Plus – a customizable trading platform for corporate customers – makes the company’s true market opportunity even greater.

This is especially noteworthy because Shopify Plus seems to be gaining traction. It currently supports over 10,000 companies including Fortune 500 companies like General electrics, Nestle, and PepsiCo. If this momentum continues, Shopify could be a trillion dollar company by 2030.

square

Like Shopify, Square started out solving a problem. In 2009, co-founders Jack Dorsey and Jim McKelvey introduced the now famous mobile card reader, a small dongle that enabled merchants to use their smartphones as point-of-sale systems and payment processing devices.

Since then, Square’s business has expanded into two distinct segments: the seller ecosystem and the cash app ecosystem, both of which have benefited from the growing popularity of digital payments and e-commerce.

Square hardware at the bakery's checkout counter.

Image source: square

Square’s seller ecosystem includes a range of hardware, software, and services that help merchants manage all aspects of their business, from payment processing and inventory to payroll and marketing. The company recently launched Square Online, which allows merchants to create online stores that automatically sync with physical retail locations.

On the other hand, the Cash App ecosystem is aimed at consumers and enables users to send, spend and invest money. Square integrated Bitcoin into the Cash app in 2018, thereby increasing customer loyalty. And last year, the company acquired Credit Karma Tax and added a mobile tax return solution to the Cash app.

In financial terms, Square has had impressive results over the past few years, although investors should note that low-margin Bitcoin sales skew sales numbers. Because of this, it makes more sense to consider gross profit.

Metric

2017

Q1 2021 (TTM)

CAGR

revenue

$ 839.3 million

$ 3.2 billion

50%

Free cash flow

$ 101.6 million

$ 16.5 million

N / A

Data source: Square SEC filings. TTM = trailing 12 months. CAGR = average annual growth rate.

Management currently estimates Square’s market opportunity at $ 160 billion, which leaves plenty of room for future growth. In particular, Square recently launched its seller platform in Ireland, which means its services are now available in six regions (including the US, UK, Canada, Japan and Australia). As trade continues to evolve, I expect both of Square’s ecosystems to grow rapidly.

The judgment

I’ll initiate this by saying I own both Square and Shopify. In fact, they are two of my biggest holdings and I am very optimistic about the future of both companies.

Shopify wins this competition, however. The company is growing faster and has established itself in 175 countries, far more than Square. Ultimately, I think this offers more benefits for investors.

This article represents the opinion of the author who may disagree with the “official” referral position of a premium advisory service from the Motley Fool. We are colorful! Questioning an investment thesis – even one of our own – helps us all think critically about investing and make decisions that will help us get smarter, happier, and richer.



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Better Business Bureau: Phishing Scams Are More Important Than Ever | Features / entertainment https://htlhb.com/better-business-bureau-phishing-scams-are-more-important-than-ever-features-entertainment/ https://htlhb.com/better-business-bureau-phishing-scams-are-more-important-than-ever-features-entertainment/#respond Tue, 29 Jun 2021 04:00:00 +0000 https://htlhb.com/better-business-bureau-phishing-scams-are-more-important-than-ever-features-entertainment/ BBB recommends that it is even more important for everyone to be aware of phishing scams. These can take the form of offers to win, impending penalties or even an SMS. Sometimes the sender relies on a victim’s curiosity to trigger a click or download of something dangerous. Other phishing formats may not have click-links, […]]]>


BBB recommends that it is even more important for everyone to be aware of phishing scams. These can take the form of offers to win, impending penalties or even an SMS. Sometimes the sender relies on a victim’s curiosity to trigger a click or download of something dangerous. Other phishing formats may not have click-links, but instead have a phone call to inquire about an account or subscription.

Any unsolicited or unexpected communication asking for personal information or asking you to download an attachment is a red flag. Much of this news comes from scammers posing as trustworthy companies and organizations. They “phishing” for social security numbers, bank details, passwords, credit card details, or other personal information for use in identity theft. Don’t fall for the bait!

This is how the scam works

Scammers have a creative variety of cover stories to hide their real intentions. Phishing messages typically use one of three methods to deceive victims:

1. The message promises a reward (gift card, free item);

2. Faced with a fine (unpaid taxes, missed jury duty, disabled bank account);

3. Appears harmless (a file from the office scanner or a colleague).

Phishing scams usually follow a pattern. The victim receives an email, a phone call or a text message (so-called “smishing” or SMS phishing). The message prompts the target to click a link, exchange information, call a phone number, or download an attachment that is likely to contain malware. In the case of an email or SMS, the link often leads to a form that asks the target to enter personal information.

Think twice before downloading anything from the Internet, especially if it’s an attachment from an anonymous sender. Scammers hide malware in an attachment and after it has been downloaded; it can vandalize your personal device or steal your personal information. If you are online at home, the scammer can also steal the IP address and then connect to another device that is connected to your home WiFi.

Tips to avoid this scam

  • If something sounds suspicious, give the company a direct call or check the company website directly. Don’t click links in an unexpected email – type the company’s URL in the browser or do a web search to find the right website.
  • Don’t click, load, or open anything from an anonymous sender. This is likely an attempt to access your personal information or install malware on your computer.
  • Question general emails. Scammers cast a wide web by including little or no specific information in their fake emails. Always be careful of unsolicited messages that do not contain your name, the last few digits of your bank account number, or other personal information.

Related: Some phishing scams specifically target CEOs and other executives in order to get company information or personal data of everyone in a company. Visit bbb.org/scamstudies to read BBB’s Business Email Compromise (BEC) Fraud Study.

For more informations

If you’ve discovered a scam (whether you’ve lost money or not), report it to BBB.org/ScamTracker. Reporting it can help others avoid falling victim to scammers. Learn how to protect yourself by visiting BBB.org/avoidscams. For more information on phishing scams, please contact the Federal Trade Commission.

Better Business Bureau for the Region and Greater West Virginia Cantons provides tips and advice for consumers to avoid fraudulent practices. Visit bbb.org/canton or call 330-454-9401 to search for a company, file a complaint, write a customer review, read tips, find events, and more.



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The online shopping platform Shopkees.com introduces EMI on all debit and credit cards https://htlhb.com/the-online-shopping-platform-shopkees-com-introduces-emi-on-all-debit-and-credit-cards/ https://htlhb.com/the-online-shopping-platform-shopkees-com-introduces-emi-on-all-debit-and-credit-cards/#respond Sun, 27 Jun 2021 03:00:20 +0000 https://htlhb.com/the-online-shopping-platform-shopkees-com-introduces-emi-on-all-debit-and-credit-cards/ Photo credit: Delivered Shopkees.com, one of the leading e-commerce platforms for electronics in the Middle East, has introduced a new “Buy Now, Pay Later” feature to offer their customers a complete shopping experience. Now customers can buy all products through EMI on debit card with 0% interest. Shopkees stocks branded computers, laptops and accessories, mobile […]]]>


Photo credit: Delivered

Shopkees.com, one of the leading e-commerce platforms for electronics in the Middle East, has introduced a new “Buy Now, Pay Later” feature to offer their customers a complete shopping experience. Now customers can buy all products through EMI on debit card with 0% interest. Shopkees stocks branded computers, laptops and accessories, mobile devices, wearables, smart devices, televisions, monitors, printers, scanners, game consoles, cameras, power supplies and network devices as well as software products.

E-commerce is growing exponentially in the region and therefore it is becoming increasingly difficult to meet customer demands. By offering not only innovative products but also payment methods, Shopkees wants to offer their customers additional convenience. Customers can pay completely interest-free in four simple installments. If you buy a product for AED 1000, you only have to pay AED 250 initially. And the balance can be paid in the 3 later installments. This means that customers do not have to postpone buying the items they want, even if they are short of cash. This simple installment payment scheme allows customers to shop without worrying about their available balance in their bank account.

A Shopkees spokesman said customers can now take full advantage of this offer as they no longer have to wait until they have enough money to buy their likes. They affirmed that Shopkees is committed to providing branded electronics at competitive prices to buyers with express delivery service. Shopkees is also known for its dedicated customer support.

Shopkees serves a separate department, business.shopkees.com, especially for corporate customers who purchase office supplies like printers, cartridges, computers and parts, etc. in bulk. With more than 18 years of IT sales experience, Shopkees offers uncompromising quality and affordable products and services. On this platform, corporate customers can now buy first-class products from well-known brands with special promotions and discounts.

In this separate section, Shopkees offers several invaluable services such as CCTV installation and maintenance, access control system, network cabling and infrastructure solutions, cybersecurity solutions and data recovery solutions. Now corporate customers don’t have to look any further for an all-inclusive support company. Shopkees also intends to improve the relationship between its customers and the company through the annual maintenance contract. Other installation services offered by the site include printer installation, server installation, migration, and maintenance services. By enabling the telephony service, Shopkees has demonstrated its skills and commitment to the technology-driven business sector.

Today the world is going through a time of innovation and digitization and Shopkees has also made it into payment mode. With stores throughout the Middle East, Shopkees offers international shipping to customers around the world, so customers residing in areas where Shopkees stores are not available can make purchases.

More information can be found at https://www.shopkees.com/



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