For beginners - 2011 01 - PAYMENT SYSTEM – BASIC SCHEMES
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The document describes different payment system schemes involving card payments and interchange fees. In the basic scheme, when a customer pays a merchant using a card, the card issuer receives $98.40, pays the merchant $97, and pays the payment system $99 while the customer pays $100. The document then outlines 4 versions of a payment system where a bank acts as both issuer and acquirer, handling authorization processing either in-house or through a third-party service provider while working with card schemes. Across the versions, responsibilities for transaction routing, software support, and merchant terminal management are allocated between the bank, potential software developers, and service providers.
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Electronic payment systems allow for financial transactions to occur online through digital means rather than traditional cash or checks. Common electronic payment methods include debit and credit cards, digital wallets, online banking transfers, and mobile payments. These systems provide convenience for users but also raise security and privacy concerns that require protocols like encryption, digital signatures, and biometric authentication. While offering benefits over physical payment methods, electronic payment systems still face challenges around expanding access and reducing costs for merchants.Payment Card System Overview
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This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.ATM / Electronic Clearing Service
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An ATM, or automated teller machine, allows customers to access their bank accounts and perform transactions without a human bank teller. Customers insert their debit or credit card and enter their PIN to access their accounts. Using an ATM, customers can withdraw cash, check balances, transfer funds between accounts, and perform other banking tasks. ATMs are connected to financial networks so customers can access their funds from machines not owned by their bank. Estimates show there are over 2.2 million ATMs globally, providing convenient banking access.Pay your payments safely merchant account services by jay wigdore
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The document details the object-oriented static modeling of a banking system with automated teller machines (ATMs) connected to a central server. It describes the functionalities of the ATM, including cash withdrawals, balance inquiries, and fund transfers, while outlining transaction validations and interactions between customers, operators, and system components. The modeling includes various entity classes, their relationships, and the structure of client/server subsystems involved in managing transactions and maintaining records.Use Cases_Industry wisuigkillhihkjbkhjgyufgjgj
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This document discusses various use cases for automating banking processes using robotic process automation (RPA). It describes how RPA can be used to automate reconciliation activities like branch reconciliation, cards reconciliation, and ATM reconciliation. It also discusses automating end-to-end ATM dispute management and POS dispute processes. Other areas mentioned for automation include credit card contact centers, audit confirmation reports, loan account opening, and KYC/AML processes. The document highlights benefits of RPA like reduced errors, handling higher volumes, and freeing up staff for more valuable tasks.Task 2
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This document summarizes the functional requirements for an ATM system. It states that users must have a password to log on and withdraw money, and that the system stores user personal information and account details. The requirements are divided into the ATM requirements, such as authorization and transactions, and the bank computer requirements, which also include authorization and transactions. Non-functional requirements specify the network availability and ability to process multiple ATM transactions simultaneously using different data formats. A mathematical statement expresses the requirements propositionally that a user can log on and withdraw money only if they have a password.Task 2
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This document summarizes the functional requirements for an ATM system. It states that users must have a password to log on and withdraw money, and that the system stores user personal information and account details. The requirements are divided into two sections - requirements for the ATM itself, such as authorization and transactions, and requirements for the bank computer, also regarding authorization and transactions. Non-functional requirements include the ATM network being available 24/7 and the ATM handling transactions from multiple banks simultaneously. A mathematical statement is provided to represent the requirements propositionally.6. electronic payment systems
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ATMs work by reading a user's card to associate them with their bank account. Authentication via a PIN is required. Cash is dispensed from bills pre-loaded into the ATM and counted by an electric eye. Transactions are recorded and bills are evaluated for thickness to prevent multiple bills being dispensed together. ATMs connect to host processors and banks via dedicated phone lines or dial-up to authorize transactions and facilitate electronic funds transfers.Electronic payment systems
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The document provides an overview of electronic payment systems including various methods such as e-cash, credit cards, and e-banking. It discusses the components and types of electronic money, smart cards, electronic funds transfer, and the role of banks in transactions. Additionally, it covers the advantages and disadvantages of e-banking, highlighting security concerns and the complexities faced by users.Iservesbt
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This document summarizes key concepts related to eCommerce payment processing infrastructure. It outlines the components involved including cardholders, merchants, issuing banks, acquiring banks, processors, and payment associations. It describes the authorization, capture, and settlement phases of a transaction. It also discusses fraud prevention techniques like address verification and CVV numbers. The infrastructure uses components like IBM WebSphere Payment Manager, web and application servers, databases, and Java programming to facilitate transactions between merchants and cardholders over the internet.Check-out & settlement procedure in hotel front office
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The document compares traditional ATMs with an innovative multipurpose ATM. Traditional ATMs located in banks, malls, and airports allow customers to withdraw cash, check balances, pay bills, and transfer funds. The multipurpose ATM has additional functions like purchasing postage stamps, train/concert/movie tickets. It has updated hardware and software but a higher price and is limited to inland areas. Both ATMs provide benefits like safety, easy access, reduced fraud and staff workloads, and privacy during transactions. Security systems protect against physical attacks and verify customer identity.Getting Started - LMS Agent Program
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The document provides an overview and agenda for a National Sales Agent training program. It aims to give agents a basic understanding of the payments industry, Leaders Merchant Services' products and services, pricing, selling strategies, and how to make money. It covers topics like the payments transaction process, fees involved, EMV, Durbin Amendment, PCI compliance, and Leaders' offerings like credit/debit card processing, gift cards, loyalty programs, and merchant cash advances. It emphasizes ethics in marketing and stresses developing prospects through referrals in order to generate sales.Meetup #1 Fundamentals of Payments
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The document covers the fundamentals of payments, discussing conversion rates, transaction flows, and the key players in the payments ecosystem. It highlights the evolution of payment methods and explores alternative payment methods (APMs) along with key terms related to payments. The meetup series aims to educate participants about various aspects of payments to improve their understanding and implementation in business.Handling Cash and Payments in Bars ppt.
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The document discusses procedures and controls for handling cash payments in bars. It covers common payment systems like cash registers, electronic point of sale systems, and newer options like contactless and mobile payments. It also outlines best practices for receiving payments, recording sales, managing cash floats, counting cash at the end of shifts, and reconciling the cash drawer total. Maintaining strict internal controls over cash handling, separation of duties, and securing funds is important to prevent errors and fraudulent activities.Samuel_CV 2016
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Samuel Kamal Nicola is seeking a full time job in an international bank or in credit cards. He has over 22 years of experience in banking, especially in the cards field. He held several managerial positions at Network International Egypt related to merchant acquiring, card issuance operations, and merchant support. He has extensive experience handling tasks like DCC reconciliation, chargeback transactions, risk management, and quality control. Samuel has a Diploma in Financial Services from the Chartered Institute of Bankers in Scotland and a Bachelor's degree in Commerce from Helwan University in Egypt.The Impact of Blockchain Technology on India’s Financial Sector
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一比一原版(惭笔毕业证)墨尔本理工学院毕业证如何办理 taqyed
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MP墨尔本理工学院毕业证书多少钱【q薇1954292140】1:1原版墨尔本理工学院毕业证+MP成绩单【q薇1954292140】完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。
【主营项目】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理毕业证|办理文凭: 买大学毕业证|买大学文凭【q薇1954292140】学位证明书如何办理申请？
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理墨尔本理工学院毕业证|MP成绩单【q薇1954292140】国外大学毕业证, 文凭办理, 国外文凭办理, 留信网认证
三.材料咨询办理、认证咨询办理请加学历顾问【微信:1954292140】毕业证购买指大学文凭购买，毕业证办理和文凭办理。学院文凭定制，学校原版文凭补办，扫描件文凭定做，100%文凭复刻。More Related Content
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The Impact of Blockchain Technology on India’s Financial Sector
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India’s financial sector is on the brink of a digital revolution, with blockchain technology emerging as a key disruptor. Once considered a buzzword linked only to cryptocurrencies, blockchain has now evolved into a powerful tool with real-world applications in banking, finance, and even government services. But what does this mean for India’s economy and its people?
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MP墨尔本理工学院毕业证书多少钱【q薇1954292140】1:1原版墨尔本理工学院毕业证+MP成绩单【q薇1954292140】完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。
【主营项目】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理毕业证|办理文凭: 买大学毕业证|买大学文凭【q薇1954292140】学位证明书如何办理申请？
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理墨尔本理工学院毕业证|MP成绩单【q薇1954292140】国外大学毕业证, 文凭办理, 国外文凭办理, 留信网认证
三.材料咨询办理、认证咨询办理请加学历顾问【微信:1954292140】毕业证购买指大学文凭购买，毕业证办理和文凭办理。学院文凭定制，学校原版文凭补办，扫描件文凭定做，100%文凭复刻。How Abhay Bhutada Foundation Strengthens Cultural Education at Shivsrushti.pdf
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This presentation highlights how the Abhay Bhutada Foundation is actively strengthening cultural education through its long-term support of Shivsrushti, a heritage theme park near Pune dedicated to the life of Chhatrapati Shivaji Maharaj. By funding regular maintenance, technological upgrades, and inclusive programs, the Foundation ensures that Shivsrushti remains an engaging learning space for students and visitors. The park combines traditional craftsmanship with digital storytelling to make history accessible and memorable. It also empowers local youth and artisans through training and employment while promoting hands-on education through creative workshops. With plans for future expansion, Shivsrushti stands as a living example of cultural preservation powered by collaboration and philanthropy.SWING TRADING COURSE BY FINANCEWORLD.IO (PDF)
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Ride the Market Waves – Swing Trading Course by FinanceWorld.io
Discover the smart way to profit from market ups and downs with FinanceWorld.io’s comprehensive Swing Trading Course. This detailed PDF guide is perfect for those seeking a flexible, effective trading style that fits busy schedules, providing you with the strategies and confidence to capture short- to medium-term gains.
What’s Inside This Course:
Introduction to swing trading and how it compares to day and long-term trading
Understanding market cycles and spotting profitable opportunities
Tools and platforms for successful swing trading
Technical analysis: identifying trends, support & resistance, and reversal patterns
Fundamental factors that influence price swings
Entry and exit timing techniques for maximum profit
Position sizing and risk management essentials
Swing trading psychology and staying disciplined
Case studies, real-world trade examples, and practical tips
Who Should Download This PDF?
Aspiring traders seeking a balance between day trading and investing
Busy professionals who want to trade without monitoring markets all day
Anyone looking to improve their trading results with proven, actionable strategies
Why FinanceWorld.io?
Our clear, step-by-step guidance and expert insights make swing trading accessible to all, from beginners to those wanting to refine their approach. FinanceWorld.io gives you the knowledge and confidence to trade smarter, not harder.Economic security of a logistics company: financial, marketing, and environme...
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Adrien Matray - A Prominent Macroeconomist
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Adrien Matray is an applied macroeconomist whose research examines how finance shapes economic growth and economic inequality. Growing up in the less affluent suburbs of Paris, where economic disparities were stark, sparked his interest in understanding how financial systems affect well-being. His work addresses critical issues like income inequality and lack of access to formal financial institutions, aiming to inform policies that better regulate alternative financial services and promote equitable economic outcomes, especially for low-income communities.RECENT DEVELOPMENT IN TAXATION OF CHARITABLE TRUST
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We study the contribution of supply and demand shocks to income inequality in a panel setting. In particular, we exploit the newly created Global Repository of Income Dynamics to study how unanticipated supply and demand shocks identified using long-run restrictions affect income inequality as measured by Gini. We find that demand shocks originating in the United States, on average, increase income dispersion, which we interpret as the impact of changes to US consumption of foreign goods and services. Supply shocks also tend to increase income dispersion, but have a much weaker and short-lived impact. A comparison with responses to domestic shocks reveals that demand shocks exhibit a similar dynamic. Domestic supply shocks are linked to declines in income dispersion. Why Alternative Payment Methods Are Changing the International Business Lands...
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This document explores how Alternative Payment Methods (APMs) like mobile wallets, fintech platforms, and cryptocurrencies are transforming international business. It highlights the benefits of faster settlements, lower costs, and global reach—while showcasing how platforms like PayXBorder are leading the charge in enabling seamless cross-border transactions.2025 RWA Report: When Crypto Gets Real | CoinGecko
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The revival of real world assets (RWA) in crypto marked one of 2024’s most quietly transformative narratives. While attention remained fixated on memecoins, Layer 2 ecosystems, and political betting markets, RWA steadily evolved from a niche experiment into one of the most credible and capitalized sectors in crypto.
So, how far have the core RWA verticals come since the start of 2024?
We’ve summarized the key highlights, but be sure to dig into the full 18 slides below.Ad
For beginners - 2011 01 - PAYMENT SYSTEM – BASIC SCHEMES
- 1. PAYMENT SYSTEM – BASIC SCHEMES January 2011 Branko Banik
- 2. Card payment scheme – interchange fee Bank pays to merchant 97$ Merchant ?s settlement Bank Bank receives 98.40$ Card issuer (Bank) Cardholder pays 100$ Issuer pays 99$ Payment system (MC, Visa, Amex, …, 3-rd. Parties) Merchant Customer pays by card Cardholder Transmission transactions Clearing transactions
- 3. Payment system v 1 Bank always holds acq. licenses and certified payment SW solution (for EFT, ATM, …) Bank – issuer/ acquier Clearing Files – incoming/outgoing Not-on-us txn auth. Card schemes Auth. process. centre In-house TMS* Service providing In-house - EFT SW support - 1-st lev. Sup. - 2-nd lev. Sup. (on-field interv.) - monitoring - de-/install. - staff training - …. Merchant 1 EFTs Merchant 2 EFTs Merchant X EFTs * TMS – terminal management system
- 4. Payment system v 2 Into certification processes are involved: Card schemes + Acquier + Auth.processor + EFT (ATM) SW developer Clearing Files – incoming/outgoing Not-on-us txn auth. Bank – issuer/acquier Auth. process. centre In-house Txn. routing May be SW developer Card schemes May be SW developer Merchant 1 EFTs TMS Service provider Merchant 2 - EFT SW support - 1-st lev. Sup. - 2-nd lev. Sup. (on-field interv.) - monitoring - de-/install. - staff training - …. EFTs Merchant X EFTs
- 5. Payment system v 3 Clearing Files – incoming/outgoing Bank – issuer/acquier Card schemes May be SW developer Merchant 1 On-us txn auth. Auth. process. Center & TMS SP - EFT SW support - 1-st lev. Sup. - 2-nd lev. Sup. (on-field interv.) - monitoring - de-/install. - staff training EFTs Merchant 2 EFTs Merchant X EFTs
- 6. Payment system v 4 Clearing Files – incoming/outgoing Bank – issuer/acquier On-us txn auth. Card schemes May be SW developer May be SW developer Merchant 1 EFTs Auth. process. Center Txn. routing TMS Service provider - EFT SW support - 1-st lev. Sup. - 2-nd lev. Sup. (on-field interv.) - monitoring - de-/install. - staff training Merchant 2 EFTs Merchant X EFTs
- 7. Payment system v 4 EFT SW developer (3-rd. party) Clearing Files – incoming/outgoing Bank – issuer/acquier Card schemes On-us txn auth. Merchant 1 EFTs Auth. process. Center Txn. routing TMS Service provider - EFT SW support - 1-st lev. Sup. - 2-nd lev. Sup. (on-field interv.) - monitoring - de-/install. - staff training Merchant 2 EFTs Merchant X EFTs
- 8. Payment system Thank for your attention!