Java Card Technology

Java Card

Java Card technology provides a secure environment for applications that run on smart cards and other devices with very limited memory and processing capabilities. Multiple applications can be deployed on a single card, and new ones can be added to it even after it has been issued to the end user. Applications written in the Java programming language can be executed securely on cards from different vendors.

Micro Finance Bulletin

MicroFinance Bulletin

ATM Cash Money Transfer

Our Business

ATMCASH.com is a leading US based money service provider headquartered in Las Vegas, Nevada. ATMCASH.com is an authorized MasterCard - Independent Sales Organization Member Service Provider (ISO MSP) of a California state chartered Bank.

Our unique service enables US residents to send money easily, safely and inexpensively to over 150 countries around the world and to all 50 United States. Wherever our customers are, they can always call or visit us online and send money immediately.

Our Charity

We are so delighted to hear that our customers are so excited to have found ATMCASH.com and appreciate our service so much.

To say thank you to all of our customers and for all of our success, we have and will continue to donate and invest in entrepreneurs in those same developing countries around the world that our customers send money. To see our latest contributions and to participate visit www.kiva.org

SMS Trap

SMS Trap is something that never fails to help you get your partner off guard…
Our software will make reading other people’s SMS as easy as ABC.
Ready for some real spy stuff ? Want to test your beloved or just trick your best buddy ?
This is exactly what you need then ! Be aware of everything ! This is a service for you !

All you have to do to start using our service is following three easy steps:
А) Get registered at our site
B) Download the program
C) Install it at the cell phone of your partner
AND THAT’S IT !
As soon as you are done with this, you will be able to view both the sent and the incoming SMS messages here at our site, inside your account area.
You will be able to read them ALL online !
Click here to see example

SME ToolKit Indonesia

SME ToolKit Indonesia

Sebagai sebuah proyek dari International Finance Corporation dan Program for Eastern Indonesia SME Assistance (PENSA), SME Toolkit Indonesia menawarkan informasi manajemen bisnis dan pelatihan tanpa dipungut biaya untuk usaha (bisnis) kecil dan menengah (UKM) dalam akuntansi dan keuangan, perencanaan bisnis, sumber daya manusia (SDM), pemasaran dan penjualan, operasional, dan teknologi informasi (TI). SME Toolkit menawarkan banyak sekali tulisan bagaimana-caranya, formulir bisnis, perangkat lunak bisnis tanpa dipungut biaya, pelatihan online, latihan penilaian diri sendiri, kuis, dan sumber daya untuk membantu pengusaha, pemilik bisnis, dan manajer dalam memulai, membiayai, meresmikan, dan menumbuhkan bisnis mereka.

NSIApay is payment gateway in Indonesia

NSIApay is a business that was created to enable Indonesian businesses to perform credit card transactions via the Internet. Our payment processing services offer merchants an outstanding global platform to maximize the opportunities presented by the digital economy. NSIApay is a fully owned Indonesian company, partners with Picmond Pte Ltd, a a software house who specializes in cross-channel integration of various delivery channels such as Internet, mobile phones, ATMs and kiosk terminals for business and financial institutions

With NSIApay, we believe that we offer the most competitive online, real-time credit card processing in Indonesia. To use NSIApay you must have an Internet Merchant Facility with one of our partner banks. Once you have joined NSIApay online, your account is typically setup and running within 24 hours.

There is no need to host your website with us or purchase expensive encryption hardware and/or software.

Castles Technology

Contact Information Castles Technology

RFID I/O Tools

What is RFIDIOt?

RFIDIOt is an open source python library for exploring RFID devices. It's called "RFIDIOt" for two reasons:

1. I like puns. This one stands for "RFID IO tools"
   
2. Since I haven't done any serious programming for a long time, I felt like an idiot having to learn a whole new language and the code probably looks like it's written by an idiot. However, python rocks, so it was worth it!

MRTD - Machine Readable Travel Document

JMRTD

ICAO

A Free Implementation of Machine Readable Travel Documents

JMRTD is a free implementation of the Machine Readable Travel Document (MRTD) standards as specified by the International Civil Aviation Organization (ICAO). The electronic passport (or "ePassport"), which by now has been introduced in many countries, is an implementation of these standards.

Both a card side application (the "passport applet") and a host side API for accessing electronic passports are developed. The passport applet makes it possible to create your own passports (in case you're starting your own country). The applet is written in Java Card.

The host side API makes it possible to authenticate with a passport and read the information on the chip. The host side API is written in Java.

Downloads

The host API can be downloaded as an automatic installer.

• The current version of the host API is jmrtd_installer-0.3.jar
• The current version of the applet is passportapplet-0.0.1.zip
• Or you could check out the SVN repository (we're using the Subclipse plugin for Eclipse)

Note that the host API currently requires JDK 1.6.

Documentation

Available documentation:

• License (it's LGPL)
• Installation instructions
• API docs of the host API

Specifications

Most of the specifications are open (as in: can be purchased). Here's our list.

• The ICAO specs consist of two technical reports:
  • ICAO TR PKI - v1.1
  • ICAO TR LDS - v1.7
• The MRZ (DG1) is specified in ICAO Doc 9303:
  • ICAO 9303 part 1 volume 1
  • ICAO 9303 part 1 volume 2
  • ICAO 9303 part 3
• Biometric data (DG2 a.o.):
  • ISO/IEC CD 19794-5: Biometric Data Interchange Formats - Part 5: Face Image Data: Specification of Face image.
• Specs dealing with crypto (SOd):
  • RFC 3369: Cryptographic Message Syntax: Specification of the data-structure used in the security object.
  • ISO/IEC 9796-2:2002 Digital signature schemes giving message recovery: Specification of the padding used in secure messaging and of the active authentication cryptogram.

Certificates

We have a list of country signing certificates that Google found.

External Links

• Our project page on SourceForge.net.
• Similar projects (in alphabetical order):
  • cmrtd is a sibling project of JMRTD written in C.
  • The Golden Reader Tool (GRT) by BSI.
  • JMRTD is the obligatory recursive link.
  • JSmex is a smart card explorer which supports MRTDs.
  • The OpenMRTD.org project by Harald Welte.
  • The RFIDIOt project by Adam Laurie.
  • THC-ePassport by THC/vonJeek is the JavaCard applet used in the August 2008 Times articles.
  • wzPass is Windows software for reading ePassports by Johann Dantant.
• General information:
  • ICAO site and ICAO/MRTD site.
  • Wikipedia entries on Biometric passport, ePassport, and MRTD.
  • Paspoort informatie (in Dutch) by the Dutch government.
• Opinions and/or blogs on the ePassport by other people:
  • E-passports without the big picture: Jaap-Henk Hoepman and Bart Jacobs on ePassports, identity management, and privacy.
  • MRTD Analysis.org: Lukas Grunwald's site
  • The ePassport cloning myth never dies: A blog entry on ePassport "hacks" by ZDNet's George Ou.
  • Bio Paspoort.blogspot.com: An anonymous blog (in Dutch) about the passport
  • The practical nomad: Edward Hasbrouck's blog.
  • Beveiliging elektronisch paspoort: FAQ (in Dutch) by the System & Network Engineering group at UvA about the August 2008 articles in The Times.
  • Passport cloning in perspective: Cees-Bart Breunesse of Riscure on ePassport cloning.

Contactless Payment Resources

Contactless Payment Resources

Contactless Payments Resources

The launch of contactless payments across North America has begun in earnest. American Express, MasterCard, and Visa have all launched contactless payment initiatives, with leading banks issuing millions of contactless credit and debit cards to consumers. Major retailers across the U.S. are installing contactless readers that can accept contactless payment and are integrated with point-of-sale (POS) systems. Research shows that consumers, issuers and merchants benefit from the use of contactless payments. Consumers enjoy added convenience, speed and ease of use, while issuers and merchants enjoy faster transaction times, increased spending per transaction, lower operational costs and penetration into the cash payment market.

The resources below were compiled by the Smart Card Alliance Contactless Payments Council to provide up-to-date information on the status of the contactless payments programs being launched by the financial industry in the U.S.

• Contactless Payments Reports and Presentations
• Contactless Payments Issuers - See Sidebar
• Merchants Accepting Contactless Payments - See Sidebar
• Contactless Payments in the U.S.: Recent Articles and News

Contactless Payments Reports and Presentations

• Contactless Payments: Merchant ROI Model, Smart Card Alliance Contactless Payments Council Merchant Work Group, August 2008

• Proximity Mobile Payments Business Scenarios: Research Report on Stakeholder Perspectives, Smart Card Alliance Contactless Payments Council white paper, July 2008

• Proximity Mobile Payments: Leveraging NFC and the Contactless Financial Payments Infrastructure, Smart Card Alliance Contactless Payments Council white paper, September 2007

• Contactless Payments: The Retailer Experience, July 19, 2007, web seminar produced in partnership with STORES Magazine

• Accepting Contactless Payments: A Merchant Guide, Smart Card Alliance Contactless Payments Council white paper, July 2007

• Contactless Payments: Issuers Meet Demand for Speed and Convenience, May 3, 2007 web seminar produced in partnership with SourceMedia

• Contactless Payments: Frequently Asked Questions, Smart Card Alliance Contactless Payments Council publication, February 2007

• Retail Contactless Payment Systems Benchmark Report: Improving Customer Retention and Loyalty, Aberdeen Group report, January 2007

• The What, Who and Why of Contactless Payments, Smart Card Alliance Contactless Payments Council position paper, December 2006

• Smart Card Alliance Contactless Payments Security Q&A, December 2006

• Smart Card Alliance Contactless Payment Security Statement, November 2006

• Contactless Payments: Consumer Attitudes and Acceptance in the United States, Smart Card Alliance and Javelin Strategy & Research report, November 2006

• Contactless Payments: A New Era of Payments for Retailers, February 22, 2006 web seminar produced in partnership with the National Retail Federation STORES Magazine. The seminar includes presentations by Bob Riesenbach, Wawa, David Sanderson, KeyBank, George Wilcox, Chase Paymentech, and Randy Vanderhoof, Smart Card Alliance.

• Americas Smart Card Market Analysis, Frost & Sullivan report developed in collaboration with the Smart Card Alliance, September 2005

• Paying with a Wave, Tap and ‘blink’: Contactless Payments in the U.S., Smart Card Talk article, August 2005

• Contactless Payments: Delivering Merchant and Consumer Benefits, Smart Card Alliance report, March 2004

NFC Forum

The NFC Forum

Mission

The Near Field Communication Forum was formed to advance the use of Near Field Communication technology by developing specifications, ensuring interoperability among devices and services, and educating the market about NFC technology. Formed in 2004, the Forum now has 150 members. Manufacturers, applications developers, financial services institutions, and more all work together to promote the use of NFC technology in consumer electronics, mobile devices, and PCs.

Goals

The goals of the NFC Forum are to:

• Develop standards-based Near Field Communication specifications that define a modular architecture and interoperability parameters for NFC devices and protocols
  
  
• Encourage the development of products using NFC Forum specifications
  
  
• Work to ensure that products claiming NFC capabilities comply with NFC Forum specifications
  
  
• Educate consumers and enterprises globally about NFC

The NFC Forum provides a highly stable framework for extensive application development, seamless interoperable solutions, and security for NFC-enabled transactions. The NFC Forum has organized the efforts of dozens of member organizations by creating Committees and Working Groups.

In June, 2006, only 18 months after its founding, the Forum formally outlined the architecture for NFC technology. In August, 2006, the Forum released the first four Forum-approved specifications. The specifications – along with the release of four initial tag formats – provide a “road map” that enables all interested parties to create powerful new consumer-driven products.

Online Smartcard Training

Online Smartcard Training

Smart cards are now being used globally in financial, healthcare, identity, security, transportation and telecommunications applications. It’s important to be grounded in the basic fundamentals of this emerging and evolving technology.

The online Fundamentals of Smart Card Technology course provides a thorough overview of the state of the smart card industry, the basic components of smart card technology and the applications used throughout the global marketplace. The course covers a broad array of topics from why people are moving to smart cards to how the basic structure of smart card architecture is formed and utilized.

Based on the successful Smart Card Alliance Educational Institute classes, this course consists of nine modules and takes approximately six hours to complete. Users can enter and exit the course at will and always return to the last viewed page. Topics include:

• Module One: Introduction to Smart Card Technology
• Module Two: Smart Card Security
• Module Three: Contactless Smart Card Technology
• Module Four: Access Control Applications
• Module Five: Biometrics
• Module Six: Public Key Infrastructure
• Module Seven: Smart Card Financial Applications
• Module Eight: Card Issuance and Personalization
• Module Nine: Smart Card Implementation

The online training course costs US$99 per user.

• Click here to enroll and take the Fundamentals of Smart Card Technology Course.

Baca ISO8583 di Java

Tutorial ISO-8583

Pada dasarnya aplikasi jPos dibagi menjadi 2 (dua) mode, yaitu client mode atau server mode.
Perbedaan kedua mode ini terletak kepada siapa yang akan melakukan initiate request terlebih dulu.
Jika berlaku sebagai client mode maka send request message akan dikirim terlebih dulu kemudian menunggu reply, sedangkan di sisi server akan menunggu incoming message kemudian akan di reply lagi ke sisi client.

International Bank Account Number (IBAN)

International Bank Account Number (IBAN)

About IBAN

The International Bank Account Number (IBAN) is an international standard for identifying bank accounts across national borders. It was originally adopted by the European Committee for Banking Standards, and was later adopted as ISO 13616:1997 and now as ISO 13616:2003. The official IBAN registrar under ISO 13616:2003 is SWIFT and the IBAN registry is currently at SWIFT.

The IBAN consists of a ISO 3166-1 alpha-2 country code, followed by two check digits (represented by kk in the examples below), and up to thirty alphanumeric characters for the domestic bank account number, called the BBAN (Basic Bank Account Number). It is up to each country's national banking community to decide on the length of the BBAN for accounts in that country, but its length must be fixed for any given country.

The IBAN must not contain spaces when stored electronically. When printed on paper, however, the norm is to express it in groups of four characters, the last group being of variable length.

Acquirer Systems Software

Acquirer System

Acquirer Systems is a leading independent software provider of test and certification solutions to the payment card industry.

For over ten years we have built and maintained a reputation for accuracy, speed and performance.

Our solutions enable the testing and certification of high-end issuing and acquiring hosts, through to back-office systems, payment terminals and EMV chip cards.

Customers use our software to bring their payment products to market fully functional, on time and within budget.

TELKOM e-Payment (Host to Host)

E-Payment Telkom

TELKOM e-Payment (Host to Host)

DESKRIPSI
Host to Host merupakan sistem transaksi Online (real-time approach) yang menghubungkan antara Host / Server pemilik tagihan (selanjutnya disebut Biller) dengan Host / Server collecting Agent (selanjutnya disebut CA) secara langsung.

Transaksi dalam sistem Host to Host menggunakan mekanisme terdelegasi dimana Host CA diberi otoritas untuk melakukan transaksi dengan aturan tertentu sesuai aturan protokol ISO 8583

Dengan sistem Host to Host, CA dapat melakukan integrasi layanan ke sistem Perbankan yang dapat disesuaikan dengan seluruh perangkat CPE dari CA [mis : ATM, Teller, PhoneBanking, dll]. Sistim pelaporan transaksi dilakukan di masing-masing Host [Host Biller, Host CA dan Host DataCommunicator]. Jika ada perbedaan dalam laporan transaksi, dilakukan rekonsiliasi dan serangkaian proses penyamaan (adjusment).

Host to Host TELKOM yang selanjutnya disebut dengan layanan TELKOM E-payment, adalah sistem komunikasi data yang dikelola oleh DIVMEDIA dan berfungsi untuk menyampaikan data billing pelanggan dari Host Biller ke Host CA untuk keperluan penerimaan pembayaran jasa telekomunikasi.

Proses Bisnis Sistem TELKOM E-Payment ini melibatkan 3 (tiga) pihak yang saling berhubungan, yaitu : Biller, Data Communicator dan Collecting Agent (CA).

1. Biller merupakan institusi yang memiliki tagihan dan memerlukan pembayaran secara online oleh pelanggan. Umumnya sistem di Biller menggunakan database yang berisi data pelanggan dan Account Receiveble (A/R). Misalnya TELKOM, TELKOMSEL, PLN, PAM dlsb.

2. Collecting Agent (CA) yaitu institusi yang memiliki kemampuan untuk bertindak sebagai perantara dalam penerimaan tagihan dari pelanggan. Proses transaksi H2H menggunakan standar protokol ISO-8583. CA umumnya menggunakan sarana pengumpulan (collecting point) pembayaran berupa : ATM, Cash Teller, Phone Banking, Internet Banking dlsb.

3. Data Communicator merupakan institusi yang memiliki switch yang berfungsi untuk menjembatani sistem perbankan dengan sistem di Biller. Data Comunicator menyediakan modul-modul interface di sisi Biller untuk dapat berinteraksi langsung ke CA dengan protokol ISO-8583.

Proses bisnis untuk operasional layanan TELKOM E-payment dituangkan dalam dokumen SOP & SMP yang disepakati bersama antara Biller, CA dan Data Communicator

FAQ Layanan TELKOM e-Payment

1. Apa itu Host to Host (TELKOM E-Payment) yang merupakan salah satu produk TELKOM ?
“Host to Host merupakan sistem transaksi Online (real-time approach) yang menghubungkan antara Host / Server pemilik tagihan (Biller) dengan Host / Server collecting Agent (CA) secara langsung”.

2. Apa tujuan atau manfaat dari layanan TELKOM E-Payment ?
Tujuan dari penyediaan layanan ini adalah :

• Agar pelanggan (dari Biller terkait) dapat melakukan pembayaran atas tagihan layanan secara online memalui seluruh sistem terminal atau distribution point [mis : ATM, CashTeller dll) yang dimiliki oleh perbankan
• Agar Biller dapat meningkatkan layanan melalui penyediaan sistem pembayaran tagihan secara online. Sistim Host to Host merupakan tools untuk ”customer loyalty program”.
• Agar Komunitas perbankan dapat memperluas layanannya melalui penyediaa fasilitas pembayaran tagihan rekening layanan publik.

3. Apa yang dimaksud dengan Biller itu ?
Biller merupakan institusi yang memiliki tagihan dan memerlukan pembayaran secara online oleh pelanggan. Umumnya sistem di Biller menggunakan database yang berisi data pelanggan dan Account Receiveble (A/R). Misalnya TELKOM, PLN, PDAM dlsb.

4. Apa yang dimaksud dengan Collecting Agent (CA) ?
Collecting Agent (CA) yaitu institusi yang memiliki kemampuan untuk bertindak sebagai perantara dalam penerimaan tagihan dari pelanggan. Proses transaksi H2H menggunakan standar protokol ISO-8583. CA umumnya menggunakan sarana pengumpulan (collecting point) pembayaran berupa : ATM, Cash Teller, Phone Banking, Internet Banking dlsb.

5. Apa yang dimaksud dengan Data Comunicator ?
Data Communicator merupakan institusi yang memiliki switch yang berfungsi untuk menjembatani sistem perbankan dengan sistem di Biller. Data Comunicator menyediakan modul-modul interface di sisi Biller untuk dapat berinteraksi langsung ke CA dengan protokol ISO-8583.

6. Apa manfaat menjadi CA dari layanan TELKOM E-Payment ?
Bagi CA, layanan TELKOM E-Payment memiliki manfaat berupa :

• Memudahkan pembayaran tagihan bagi pelanggan CA.
• Menjadikan CA sebagai Bank yang unggul, karena dapat melakukan berbagai pembayaran secara mudah dan efisien.
• Memperoleh biaya/fee collecting agent.
• Optimalisasi perangkat outlet perbankan, melliputi :
• ATM
• Terminal Teller
• Phone Banking
• Internet Banking
• Mobile Banking

7. Apa manfaat menjadi Biller dari layanan TELKOM E-Payment ?
Bagi Biller, layanan TELKOM E-Payment memiliki manfaat berupa :

• Kemudahan membayar tagihan, tanpa memandang area pelayanan. Pelanggan telepon di Bogor dapat membayar tagihannya melalui salah satu CA yang telah terhubung secara Host to Host di mana saja.
• Perluasan outlet pembayaran :
• Secara nasional, sesuai jangkauan CA.
• Secara internasional, jika CA telah menggunakan sistem Phone Banking maupun Internet Banking.
• Efisiensi jaringan, dibanding dengan sistem SOPP Point to Host (P2H) yang memerlukan 1 (satu) line telepon untuk setiap terminal :
• Menambah peluang pendapatan atas satu saluran telepon yang tadinya untuk terminal SOPP P2H.
• Menambah traffik data di internal CA, sehingga menambah peluang pendapatan TELKOM dalam bisnis link data.
• Menghindari kasus pembayaran ganda, seperti pada kasus off-line.

8. Apa bedanya dengan layanan Point to Host ?
Point to Host :

• Biller harus mengelola banyak jaringan (kesetiap teller pembayaran)
• Jumlah teler dan area pembayaran terbatas
• Biaya operasional tinggi
• Security : low

Host to Host :

• Hanya mengelola satu jaringan yang menghubungkan Host Biller ke Host Bank (Collecting agent)
• Jumlah tempat pembayaran dapat memanfaatkan semua distribution channel Bank (saat ini sudah 25 Bank, dengan distribution channel ATM, Teller, PhoneBanking)
• Proses settlement lebih sederhana
• Biaya operasional rendah
• Security : high

9. Bagaimana Layanan Help Desk dari TELKOM E-Payment ?
Layanan Help Desk 7 X 24 Jam Help Desk Multimedia

10. Kapan proses rekonsiliasi dilakukan ?
Rekonsiliasi transaksi dilakukan setiap hari dengan asumsi transaksi hari ini dilakukan pada hari n+1

11. Bagaimana Posisioning layanan TELKOM E-Payment ?
Posisioning Layanan TELKOM E-Payment adalah Kemudahan Pembayaran secara online melalui koneksi langsung ke Institusi Perbankan.

12. Saat ini sudah berapa biller yang terhubung ke TELKOM E-Payment ?
Saat ini komunitas yang sudah terhubung al :

• Seluruh DIVRE TELKOM (1-7)
• Garuda Indonesia
• Telkomsel (July 2004)

13. Berapa jumlah CA yang terhubung ke TELKOM E-Payment ?
CA yang terhubung sebanyak 25 CA.

14. Apa itu TEL-75 ?
TEL-75 adalah Daftar rincian transaksi penerimaan harian yang dicetak dari SISKA pembayaran Jastel per nomor telepon dari SISKA.

Exchange Data MP3 Pajak

Exchange Data MP3-Pajak
Proyek untuk melakukan integrasi dan pertukaran data antara nasabah si bank, Bea dan Cukai dan Ditjen Pajak

EDIFACT

EDIFACT
United Nations Directories for Electronic Data Interchange for Administration, Commerce and Transport

ISO 8583 Wikipedia

ISO 8583 Standard for Financial Transaction Card Originated Messages - Interchange message specifications

Microfinance based on Smartcard

BGS Smartcard

Microfinance based on Smart Cards

Business Context
The United Nations International Year of Microcredit 2005 provided an occasion to raise awareness of the importance of microcredit and microfinance in the eradication of poverty by supporting the poor and low-income segment of the population increase and stabilize their incomes, build assets, and strengthen the powerful, but often untapped, entrepreneurial spirit existing in communities around the world.

In many developing countries microfinance scenarios have become a profitable business scheme as microfinance institutions worldwide have shown that poor, unbanked people are creditworthy and that the daily microsavings of a mass population can accumulate into substantial amounts of money generating a profitabel money float for the microfinance institution. In general, microfinance is the provision of a broad range of financial products such as deposits, loans, payment services, money transfers, insurance and others to low-income households and, their micro enterprises which are usually concentrated in rural and thus more underdeveloped areas. Client access and efficient provision of banking products in rural markets, usually fails through missing branch infrastructure which in turn is the result of a low populated environment. One of the core problems for banks is high transaction and service costs. Creating the necessary branch and service infrastructure to reach a large number of small borrowers who require credit frequently and in small quantities, requires large investments in service outlets and personnel.

System Description
The DUET system platform has been geared to offer financial institutions, operating in rural and urban cash dominated mass markets, the means to provide a flexible and profitable financial card based solution. In order to achieve the necessary outreach and functionality in areas lacking telecom and branch infrastructure, microprocessor smart cards utilizing the offline card to card transaction conception are the basis of the solution. The establishment of a full-coverage, low cost agent network will enable Banks and Microfinance Institutions (MFI) to successfully tap into the microfinance market, using one common system platform.

MF Product 1: Remote Savings book
The Microfinance Host Center provides the field agent with client specific account information prepared for this day. This information, such as client current account balances and amounts to be collected, could be prepared based on the predefined route taken by the agent reflecting his periodic customer visits schedule. At the point of interaction in the field, the client enters his card into the hand held terminal of the agent, the two cards establish a secure session in an offline mode during which any updates for this specific client, available on the agent card as described above, are transferred to the client card. If we assume a further savings transaction, cash against savings, the value of the respective amount collected in cash is written to the client card (savings certificate). This savings data transaction is signed by the agent using the agent PIN and the transaction is stored on the agent card from where it is transferred to the host at the end-of-day upload. The host then uses this transaction information to perform the necessary updates to the client savings account, making this information available at the next agent download for this client’s visit.

MF Product 2: Remote Microcredit Operations
The Microfinance Host Center approves and issues a Microcredit against prior client application delivered through a field agent. The approved value is transferred to the clients microcredit account and is made available as a secure certificate for the agent download prior to the client visit. As part of the secure offline communication between agent and client cards, the credit value is transferred onto the client’s card. Now the client card has spending power which can be used for the purchase of goods and services at a merchant terminal. At future agent visits to the respective client, the agreed repayment amount would be paid in cash to the agent and recorded on the agent card as a repayment transaction, ultimately being uploaded to the host for microcredit settlement and account update. With every repayment, the outstanding loan value would be decreased on the client card, offering the client a reference to his account’s status. The cash repayments would also always be performed against the agent’s available cash collection limit maintained on his card.

Benefits

• Provision of customized financial services to low-income households in rural markets that would otherwise remain unbanked
• Establishment of a low-cost agent-host network in areas lacking the necessary infrastructure through the use of smart card technology
• Provision of mobile, manageable and transparent “last mile” delivery channels through field agents
• Architecture soundness guaranteeing secure, uninterrupted and fault tolerant system operation
• Improved system reliability due to usage of distributed server resources and a combination of online and offline transaction processing
• Lowest total cost of ownership consisting of costs of infrastructure, transactions and operations
• Reduction of all manual procedure generating immense paper work and manual error
• Increased speed of operations: Transactions that usually take a couple of minutes each can now be done in just a fragment of time
• Reduced administration costs due to automation of process flows
• Easy and convenient monitoring of financial operations viewable with a pocket sized Value checker, at ATMs or banks as often as required
  
• Dynamic information on customer behavior and habits

ISO 8583 Decoder

ISO 8583 Decoder

This is Free on-line ISO 8583 Decoder service of Financial transaction card originated messages.

Telepon Verification

Telesign

Founded in December 2004, TeleSign is a leading provider of telephone verification services to web-based companies of all sizes. TeleSign's flagship solution, Telephone Verification, allows businesses with an online presence to authenticate their users' identities in real-time. PhoneID, another TeleSign technology, complements Telephone Verification by providing information about both domestic and international telephone numbers, including where a phone number is located and the type of phone associated with a particular number (landline, mobile, VOIP, etc.).

As of September 2008, TeleSign has processed over 181,000,000 transactions for clients in industries such as eCommerce, Lead Generation, Online Classifieds, and more. Our clients range in size from large Fortune 500 companies down to small, single-employee businesses.

Building Better Software

Stellman-Greene

Jennifer Greene and Andrew Stellman have been managing projects and writing about project management together since they first met in 1998. Their first book, Applied Software Project Management, was published by O’Reilly in 2005 and received widespread praise from both working project managers and academic researchers. Their second book, Head First PMP, was released in March 2007, and almost immediately became one of the top selling books from O’Reilly.They founded Stellman & Greene Consulting in 2003, providing project management services and training to both companies and individuals. Andrew and Jenny regularly contribute to the project management body of knowledge, writing articles, presenting at conferences, and giving back to the project management community any time they have the opportunity to do so.Which is why they started this site! Jenny and Andrew want to help you build better software, whether that means helping you adopt better practices, write better code, get a better handle on quality, or better understand your user. That’s why they love writing, and it’s what they love writing about.

JCOP Family Information

JCOP Family Information
USB JCOP

Chip Card Testing and Approval Testing

Chip Card Testing and Approval Testing

Chip Card Testing and Approval Process

Visa oversees testing of contactless chip card that support Visa contactless payments. This process allows Visa to ensure that devices are developed to Visa specifications and will support Visa applications.

After the specification license agreements have been executed and before the testing can begin, the vendor must complete an Approval Services Testing Agreement with Visa.

For each contactless chip card that a vendor wishes to have tested, the vendor must submit an online card questionnaire. Visa will use the questionnaire to determine whether the product is eligible for testing.

The Most Comprehensive Resources Compliances

Compliances Online

PIN Entry Device (PED) vulnerabilities

PIN Entry Device (PED)

PCI Security Standard Council

PCI Security Standard

The PCI Security Standards Council is led by a policy-setting Executive Committee, composed of representatives from the founding payment brands. To view the members, please select the Executive Committee box below.

Operational decisions are made by a Management Committee, also from the payment brands. To view the members, please select the Management Committee box below.

An Advisory Board, drawn from Participating Organizations, provides input to the organization and feedback on the evolution of the PCI Data Security Standard. A Marketing Working Group, Technical Working Group, and a Legal Committee, whose participants are drawn from the payment brands, deal with their respective activities.

Android

Android

Android is a software stack for mobile devices including an operating system, middleware and key applications. It is being developed by the Open Handset Alliance, a group of more than 30 technology and mobile companies. Android was built from the ground-up to enable developers to create compelling mobile applications that take full advantage of all a handset has to offer. Developers can create applications for the platform using the Android SDK.

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21CCTV Securing Indonesia

21CCTV

Our Focus

1. Vision: One (minimal) CCTV at every property: residential and commercial.
2. Mission: Peace of Mind for people in Indonesia by giving prospective customer easy access to CCTV, either for online purchase directly, or to get further information.

SKYE Prepaid Services

Skye

PREPAID
skye adalah prabayar.
Digunakan sebagai uang tunai, alat pembayaran yang Cepat, Mudah, Aman, dan Nyaman.

VALUE
skye adalah bernilai.
Diskon terbaik CDR (Customer Discount Rate) akan diberikan kepada anda melalui skye marketing program dan anda akan mendapatkan pendapatan pasif tanpa merubah gaya hidup anda.

skye adalah sebuah ide baru, tetapi banyak kegunaannya:

* Berbagai jenis mitra merchant
* Banyak lokasi mitra merchant
* Pembayaran tiket parkir
* Pembayaran bensin
* Mengisi pulsa handphone
* Membeli kebutuhan sehari-hari
* Pemesanan hotel dan pesawat terbang
* Alat bantu mengatur anggaran
* Hadiah untuk berbagai acara:
o Ulang tahun & berlibur
o Ucapan terima kasih & ucapan selamat
* Menambah kegunaan di dalam perusahaan seperti ID staff & Access Control



Merchant Benefit

Menerima skye akan mempunyai dampak besar bagi bisnis. skye bekerja untuk memberikan pilihan cara pembayaran yang dihandalkan, cepat, mudah, aman dan nyaman. skye membantu mendapatkan dan mempertahankan pelanggan serta membuka jalan untuk memperkuat penjualan dan pengembangan bisnis.

Nikmati 5 alasan bergabung dengan skye :

MENINGKATKAN VOLUME TRANSAKSI & PENDAPATAN

Pelanggan cenderung berbelanja lebih banyak ketika mereka membayar dengan skye daripada membayar dengan uang tunai karena lebih cepat, mudah, aman, nyaman, dan mendapatkan skye point link.
Pelanggan akan mendapatkan skye point link 24 jam sehari dan 365 hari setahun, maka mereka akan datang berkunjung lebih sering, lebih banyak pendapatan.

MENINGKATKAN POSISI MERK, PRODUK, DAN NAMA BAIK PERUSAHAAN

Program komunikasi skye (skye CRM, iklan ATL & BTL, katalog, brosur, majalah gratis, banner, alat promosi, seminar, lokakarya, acara, website dan banyak lagi) akan membantu untuk meningkatkan Posisi Merek, Produk dan Citra Perusahaan.

MENINGKATKAN DAYA GUNA OPERASIONAL

* Meningkatkan penggunaan terminal EDC akan menghemat 1% rekonsiliasi uang dan waktu
* Mengurangi kesalahan dalam penghitungan uang tunai
* Tidak ada biaya untuk contactless reader, mesin EDC, biaya transaksi, perawatan dan alat-alat promosi
* Settlement 1 x 24 jam maksimum dalam hari kerja


AMAN

Dengan sedikitnya jumlah uang tunai pada kasir, mengurangi peluang untuk tindakan kriminal. Terhindar dari uang palsu. Tidak perlu setor uang tunai ke bank.

BERSIH DAN SEHAT

Mengurangi kontak langsung dengan uang sehingga terhindar dari bakteri dan bibit penyakit menular

IT Guru® Academic Edition software

OP.Net

IT Guru® Academic Edition software was created for introductory level networking courses, and designed and tested to be used with popular classroom lab manuals.

Convenient Features

* Based on IT Guru® commercial version 9.1
* Downloadable from our website at no charge
* Greatly simplified licensing relative to the commercial version of IT Guru®
* Built-in Application Characterization Environment (ACE™) and Wireless™ capability
* Specially designed and tested to be used with popular textbooks and lab manuals
* 6-month renewable license

RT:Request Tracker

Request Tracker

RT is an enterprise-grade ticketing system which enables a group of people to intelligently and efficiently manage tasks, issues, and requests submitted by a community of users.

The RT platform has been under development since 1996, and is used by systems administrators, customer support staffs, IT managers, developers and marketing departments at thousands of sites around the world.

Written in object-oriented Perl, RT is a high-level, portable, platform independent system that eases collaboration within organizations and makes it easy for them to take care of their customers.

RT manages key tasks such as the identification, prioritization, assignment, resolution and notification required by enterprise-critical applications including project management, help desk, NOC ticketing, CRM and software development.

RT is used by Fortune 100 companies, government agencies, educational institutions, and development organizations worldwide.

ePay Online Top Up

E-Pay Solution

0 days Blog

Ebooks Blog

Easy Pay by SMS

Pay by SMS

End 2 End Smart Card Solution

End 2 End Smart Card Solution

Vyatta OpenSource Networking

Vyatta OpenSource Networking

WinDJView

WinDJView

PC Engines

PC Engines

jPos User Mailing List

jPos User

Java Card Development Kit, Make your Choice

Java Card Development Kit

Money Transfer to Visa Prepaid Card

iKobo

Atalla Hardware Security Module (HSM)

BogoAtalla
Atalla HSM Simulator

Link to Security Site

Security Tube