While January 1, 2023 sounds like it’s eons away, from a project planning and assessment timeline perspective, it’s quite soon. When you add in the CPRA lookback period of January 1, 2022, and associated fines and penalties that will hit in 2023, planning takes on even greater importance.
Category: SECURITY+
The Liability Shift for Outside Payment Fraud at Gas Stations is Looming
There are efficiencies that can be gained with any hardware or software upgrade, especially with a project as intensive as becoming Outdoor EMV compliant.
Is a Tailored Managed Fraud Service Right for Your Business?
Recently, Danny Omiliak, Senior Consultant with W. Capra Consulting Group, was enjoying some time away from his Chicago home, visiting Arizona. At the same time, however, Danny’s credit card was making purchases around Chicagoland. Imagine for a moment, that you were a merchant among the handful where Danny’s stolen card was used- do you have…
Preventing Payments Fraud with Dynamic Verification
In the payments industry one of the major ongoing concerns for both issuers and merchants has been fighting fraudulent transactions. Historically the most known types of fraud for Card-Present transactions (Contact and Contactless) are Counterfeit (cloning a card’s magnetic stripe information onto another) and Lost-stolen (using a valid card without requiring a PIN). The merchants…
Managing Work-Life Balance Under COVID-19
Not too long ago, many of us idealized opportunities to work from home. What was not to love about working from the coziness of home? Your kids were at school, you could focus on productivity and you did not have to bother looking at your watch to be sure you could catch the last express…
Data Privacy Update: First CCPA warning notices distributed, California Assembly Bill 1281 and CPRA
California continues to lead the pack in terms of states implementing and enforcing consumer data privacy rights. Shortly after CCPA enforcement started, the California Attorney General (AG) issued a series of warning notices to various businesses. The content of those letters is confidential, but during a recent conference the Supervising Deputy AG shared some information…
Behind the Numbers of the 2020 Technology Study
This article originally appeared in Convenience Store News. Convenience Store News’ online content can be found here. It is clear that the COVID-19 pandemic has brought about technology momentum. The impacts of COVID-19 clearly show the tech influence on ways that businesses must now operate. For those retailers participating in the 2020 Convenience Store News…
Information Technology and Communication During COVID-19
With the ongoing pandemic, workers across the country have had their typical work locations shifted and displaced, often to haphazard home office setups, with some organizations scrambling to enable their workforce to work from home. Resulting from this of course is the obvious chaos, shuffling of duties and tasks, and a general overhaul of how…
Analysis of the Texas AFD Anti-Skimming Regulation
Introduction to the Regulation On September 1st, 2019 Texas Legislature created Chapter 607 of the Texas Business and Commerce code related to card skimmers on automated fuel dispensers (AFDs). This chapter requires petroleum merchants to implement procedures to prevent, detect, and report the installation of skimmers on their unattended AFDs. The Office of the Attorney…
Multi-Factor Authentication and Security Practices Within Office 365
Nearly all organizations experience incoming security threats. Whether it’s via email, malware, or otherwise, organizations must equip themselves with the set of tools to be proactive in blocking and defending themselves against such threats. Organizations in the financial and payment processing sector are unfortunately targeted at a higher rate than others, simply due to the…
Circumventing Mobile Fraud Protections
With many payment channels, bad actors seek to take advantage of vulnerabilities to secure goods or funds at little to no cost to them; the same holds true for mobile payment applications. With each merchant mobile app implementation, different combinations and permutations of entry points for fraudsters arise, and in my experience, it’s the combination…
Data Privacy and the Consumer Relationship
The conversation around data privacy and trust is evolving. In allowing consumers the right to access and the right to delete personal information that a merchant maintains, the General Data Protection Regulation (GDPR) was the first sweeping law of its kind. The California Consumer Privacy Act (CCPA) followed not long after, and Washington state has…