E-Commerce Report 2010 – Trends in Consumer and Payment Behaviour in E-Commerce on the Basis of Real-Life Transactions
In 2010 the E-Commerce Report (formerly known as "Pago Report") has been published for the ninth time.
The E-Commerce Report is based on the evaluation of more than 24 million real-life purchase transactions processed on the Deutsche Card Services platform between October 2008 and September 2009. The annual study has established itself as one of the most important e-commerce surveys all over Europe because it is the only report based on real transactions instead of interviews. All evaluated data were fully anonymised, and all data protection precautions were duly carried out.
In co-operation with experts from a popular market research institute, purchasing and payment behaviour of consumers from Germany, UK, the rest of Europe, and the non-European countries were analysed using established statistical methods. The result is an comprehensive insight into the status quo in e-commerce concerning purchasing and payment behaviour, non-payment risk and industry specifications.
The E-Commerce Report 2010 is available in the [Shop] for 500 euros plus VAT.
35 Organizations Reselling Roam Data Mobile Service
PaymentsSource | Monday, April 19, 2010
Interest in Roam Data Inc.'s mobile-payment service appears to be high among independent sales organizations. Most of Roam Data's 35 resellers are ISOs, says Will Graylin, founder and CEO of Boston-based Roam Data
Roam Data also has agreements with Atlanta-based First Data Corp., Dallas-based Chase Paymentech LLC and Palm Desert (Calif.) National Bank, among others. First Data and Chase Paymentech resell Roam Data's services under their brand names, Graylin tells PaymentsSource. Graylin would not say how many merchants are using the service.
POS-terminal maker Ingenico SA, a minority investor in Roam Data, demonstrated the RoamPlayer technology at last week's Electronic Transactions Association Annual Meeting and Expo in Las Vegas.
During the conference, Ingenico representatives displayed a card reader, developed by HomeATM ePayment Solutions, that plugs into the audio jack of many smartphones, enabling card-present transactions.
35 Organizations Reselling Roam Data Mobile Service
PaymentsSource | Monday, April 19, 2010
Interest in Roam Data Inc.'s mobile-payment service appears to be high among independent sales organizations. Most of Roam Data's 35 resellers are ISOs, says Will Graylin, founder and CEO of Boston-based Roam Data
Roam Data also has agreements with Atlanta-based First Data Corp., Dallas-based Chase Paymentech LLC and Palm Desert (Calif.) National Bank, among others. First Data and Chase Paymentech resell Roam Data's services under their brand names, Graylin tells PaymentsSource. Graylin would not say how many merchants are using the service.
POS-terminal maker Ingenico SA, a minority investor in Roam Data, demonstrated the RoamPlayer technology at last week's Electronic Transactions Association Annual Meeting and Expo in Las Vegas.
During the conference, Ingenico representatives displayed a card reader, developed by HomeATM ePayment Solutions, that plugs into the audio jack of many smartphones, enabling card-present transactions.
Editor's Note: Before you read this story about 10 tips to prevent hackers from getting your card information when shopping online, I should let you know that ultimately, practicing these tips won't protect you. I will however, show you a simple and logical way to make your online transactions exponentially more secure...ultimately providing you and yours with the peace of mind so many online-shoppers lack, yet desire. Here's how...
Simply place an order for a HomeATM Personal Swiping Device, and you won't ever have to worry about the following 10 tips designed to "help" protect your identity when shopping online.
Even if you were to memorize and practice the art of using all 10 of these tips, you are NOT going to be protected when shopping online. You'll be more protected, but not fully protected. But there is a way to fully protect you when you shop online.
It's simple...compare the two choices:
Choice One (current method): Think about it. Does any part of your mind, intuition, thought process, knowledge, etc. think this is a safe way to purchase anything online? Then why would you enter your card information including your card number and expiration date into a box on a website and then worry hacker will see your data or break into the the retailers system in the future, steal your data and wipe out your bank account?
Choice Two (Our Way): For the cost of shipping and handling, we'll send you our SwipePIN device and you can process your purchases online the same way you do it in retail stores.
Simply take out your card and swipe it yourself in the safety of your own home. See the numbers on the PIN pad? Yes, it even allows you to further secure the transaction with your PIN. (all data is fully encrypted). You should be "SwipePIN your Slider"
This globally patented platform brings the Point of Sale device Home...where the Point of Sale occurs. Better yet, (and here's our direct response TV commercial pitch) "Try HomeATM's SwipePIN device at home FREE for 90 days...just pay shipping and handling ($5.00) and if you're not completely convinced it's the most secure way to make your online purchases, let us know and we'll deactivate it. Otherwise, use it to send us $5.00 dollars for a total cost of only $10.00! You can now shop online safely, securely with the knowledge that both your card and card reader are hack and skim free, respectively. (You can also rest assured it hasn't been tampered with)
Until you start using the SwipePIN method, consider these tips to reduce your risks. But remember, there's keyloggers, hijackers, screen scrapers, hacktivists, wardrivers and myriad other threats that these tips don't protect you against.
Ten Online shopping tips to protect your identity
This holiday season many online shoppers wanting to avoid the hassle of visiting crowded shopping malls will look to the web as a quick and easy to purchase gifts for friends and loved ones. Although the number of Canadians shopping online continues to grow, there are still many consumers who won't shop online for fear they could be victims of identity theft.
The truth is that identity theft is a relatively rare occurrence and most identity theft occurs in using low tech off-line methods therefore most experts agree that shopping online is very safe provided consumers use some common sense when shopping online.
To help make shopping online more safe and secure, Digital Home presents the following Ten Tips for Secure online holiday shopping:
1. Only provide personal information if you're on a secure Web site. Once you are logged in, make sure the Web address starts with "https"("s" means it's secure). For added safety, check for a site certificate before submitting information on a secure page. Confirm the owner of the certificate by clicking on the padlock icon at the bottom of most browsers. You should see the owner listed as well as the site address. This address should match the Web site address at the top of the page; if they do not match, you may be at a fraudulent Web site and should not enter personal data.
2. Never respond to emails asking you to "confirm" recent transactions after you shop. These likely are "phishing" scams sent to lure private information from you.
3. Maintain a paper trail. Print and save records of your online transactions, including the product description and price, the online confirmation/receipt, and copies of any email(s) you exchange with the seller.
4. Do not share your passwords with anyone and never provide your social insurance number, birth date, or mother's maiden name in an email.
5. Make sure all of your security software is up-to-date before you do your online shopping. That includes anti-virus software, anti-spyware, and firewalls.
6. Check a company's privacy policy before doing business with it. A company should allow you to know what personal information its Web site is collecting, why and how it will be used. If you can't find a privacy policy -- or if you can't understand it -- consider taking your business to another site that's more security-conscious and accommodating to customers.
7. Consider using a separate email account for your online shopping. You can set up a free email account online through several different services.
8. Check your bank and visa accounts regularly for any activity you did not initiate. This is especially needed during the busy holiday shopping season. You should be able to log on quickly and check to see if there is any unusual activity in your bank or credit card account that you did not initiate. If there is, contact your bank immediately.
9. Do business with companies you know and trust. Research a company before revealing personal or financial information online. Confirm an online seller's physical address and phone number in case you need to get in touch with them. If you get an email or pop-up message from the seller while you're browsing that asks for financial information, don't reply or click on the link in the message. Legitimate companies don't ask for this information via email or pop-ups.
10. Watch out for fake "look-alike" sites. Some con artists disguise their Web site as a well-known company's site. Check your browser's address bar to make sure you're always using the correct Web site address. If the Web site seems suspicious, leave it immediately and call the company.
Finally and perhaps the most important piece of common sense when shopping online is one that is true when shopping offline - Never let anyone see your card numbers and never hand your card over.
E-Commerce Report 2010 – Trends in Consumer and Payment Behaviour in E-Commerce on the Basis of Real-Life Transactions
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