Payments Systems in the U S Second Edition

Payments Systems in the U S    Second Edition Author Carol Coye Benson
ISBN-10 0982789726
Year 2013-11
Pages 170
Language en
Publisher
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"Payments Systems in the U.S." is a comprehensive description of the systems - (cards, checks, cash, ACH, etc.) that move money between and among consumers and enterprises in the U.S. In clear and lively writing, the authors explain what they systems are, how they work, who uses them, who provides them, who profits from them and how they are changing. Anyone working in the payments industry - or needing to use payments products - can benefit from understanding this. The second edition updates information on card, ACH, and check systems, as well as providing perspective on developments in emerging payments.

Examples Explanations for Payment Systems

Examples   Explanations for Payment Systems Author James Brook
ISBN-10 9781454834205
Year 2014-12-09
Pages 496
Language en
Publisher Wolters Kluwer Law & Business
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A favorite among successful students, and often recommended by professors, the unique Examples & Explanations series gives you extremely clear introductions to concepts followed by realistic examples that mirror those presented in the classroom throughout the semester. Use at the beginning and midway through the semester to deepen your understanding through clear explanations, corresponding hypothetical fact patterns, and analysis. Then use to study for finals by reviewing the hypotheticals as well as the structure and reasoning behind the accompanying analysis. Designed to complement your casebook, the trusted Examples & Explanations titles get right to the point in a conversational, often humorous style that helps you learn the material each step of the way and prepare for the exam at the end of the course. The unique, time-tested Examples & Explanations series is invaluable to teach yourself the subject from the first day of class until your last review before the final. Each guide: helps you learn new material by working through chapters that explain each topic in simple language challenges your understanding with hypotheticals similar to those presented in class provides valuable opportunity to study for the final by reviewing the hypotheticals as well as the structure and reasoning behind the corresponding analysis quickly gets to the point in conversational style laced with humor remains a favorite among law school students is often recommended by professors who encourage the use of study guides works with ALL the major casebooks, suits any class on a given topic provides an alternative perspective to help you understand your casebook and in-class lectures

Implementing Electronic Card Payment Systems

Implementing Electronic Card Payment Systems Author Cristian Radu
ISBN-10 1580538037
Year 2003
Pages 446
Language en
Publisher Artech House
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As magnetic stripe cards are being replaced by chip cards that offer consumers and businesses greater protection against fraud, a new standard for this technology is being introduced by Europay, MasterCard, and Visa (EMV). This cutting-edge, new book provides you with a comprehensive overview of the EMV chip solution and explains how this technology provides a chip migration path, where interoperability plays a central role in the business model.

The Oxford Handbook of Banking

The Oxford Handbook of Banking Author Allen N. Berger
ISBN-10 9780199688500
Year 2014
Pages 1051
Language en
Publisher Oxford University Press, USA
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The Oxford Handbook of Banking, Second Edition provides an overview and analysis of developments and research in banking written by leading researchers in the field. This handbook will appeal to graduate students of economics, banking and finance, academics, practitioners, regulators, and policy makers. Consequently, the book strikes a balance between abstract theory, empirical analysis, and practitioner, and policy-related material. The Handbook is split into five parts. Part I, The Theory of Banking, examines the role of banks in the wider financial system, why banks exist, how they function, and their corporate governance and risk management practices. Part II deals with Bank Operations and Performance. A range of issues are covered including bank performance, financial innovation, and technological change. Aspects relating to small business, consumer, and mortgage lending are analysed together with securitization, shadow banking, and payment systems. Part III entitled Regulatory and Policy Perspectives discusses central banking, monetary policy transmission, market discipline, and prudential regulation and supervision. Part IV of the book covers various Macroeconomic Perspectives in Banking. This part includes a discussion of systemic risk and banking and sovereign crises, the role of the state in finance and development as well as how banks influence real economic activity. The final Part V examines International Differences in Banking Structures and Environments. This part of the Handbook examines banking systems in the United States, European Union, Japan, Africa, Transition countries, and the developing nations of Asia and Latin America.

Electronic Value Exchange

Electronic Value Exchange Author David L. Stearns
ISBN-10 1849961395
Year 2011-01-04
Pages 240
Language en
Publisher Springer Science & Business Media
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Electronic Value Exchange examines in detail the transformation of the VISA electronic payment system from a collection of non-integrated, localized, paper-based bank credit card programs into the cooperative, global, electronic value exchange network it is today. Topics and features: provides a history of the VISA system from the mid-1960s to the early 1980s; presents a historical narrative based on research gathered from personal documents and interviews with key actors; investigates, for the first time, both the technological and social infrastructures necessary for the VISA system to operate; supplies a detailed case study, highlighting the mutual shaping of technology and social relations, and the influence that earlier information processing practices have on the way firms adopt computers and telecommunications; examines how “gateways” in transactional networks can reinforce or undermine established social boundaries, and reviews the establishment of trust in new payment devices.

Payment System Technologies and Functions Innovations and Developments

Payment System Technologies and Functions  Innovations and Developments Author Nakajima, Masashi
ISBN-10 9781615206469
Year 2011-06-30
Pages 242
Language en
Publisher IGI Global
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"This book analyzes the evolutionary trends, functions and mechanisms of payment systems and presents an in-depth explanation of how these trends led to the reduction of settlement risk and the importance of such mechanisms that have contributed to the evolutionary progress of payment systems"--Provided by publisher.

Moving Money

Moving Money Author Robert E. Litan
ISBN-10 0815703783
Year 2009-12-01
Pages 150
Language en
Publisher Brookings Institution Press
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Once we paid for things with bills, coins, or checks. Today we pay with zeroes and ones—digital entries on credit and debit cards, or electronic messages sent over the Internet. In Moving Money, distinguished analysts explore this trend, its development and likely future, and the ramifications of this transformation. This is a book about money as a medium of exchange—in the past, in the present, but particularly in the future. What forms has money taken over the years? Moreover, how have those means of payment changed in recent years, and how will they develop in the future? And what (if anything) should policymakers do to facilitate those changes, or at least allow them to develop and mature? Brookings economists Robert E. Litan and Martin Neil Baily and a distinguished group of experts dissect these issues and peer into the future of consumer payments. The landscape of the consumer payments industry will be shaped at least in part by public policies. Historically, governments have had monopolies on the manufacture of money. Any form of payment clearly requires trust on the part of both the seller and the buyer, and the government must establish and enforce laws to secure this relationship. More controversial is the issue of whether, and to what extent, government is also needed to protect the market in private sector payments systems. Why do these issues matter? The payments industry is a large and important sector of developed economies. In the United States, private-sector payments providers generate approximately $280 billion a year in revenue, while the government invests substantial resources into making money (minting coins and printing bills) or moving it (via checks and various electronic transfers). And the way we pay for things influences our purchases—what we spend money on, how much we spend, and where we spend it. Thus the future of consumer payments is intertwined with the health of national economies. Contributors: Martin Neil Baily (Brookings), Thomas P. Brown (O'Melveny & Myers), Kenneth Chenault (American Express Company), Vijay D'Silva (McKinsey and Company), Nicholas Economides (New York University), David S. Evans (Market Platform Dynamics), Robert E. Litan (Brookings and Kaufmann Foundation), Drazen Prelec (Massachusetts Institute of Technology), Richard Schmalensee (Massachusetts Institute of Technology)

Introduction to Online Payments Risk Management

Introduction to Online Payments Risk Management Author Ohad Samet
ISBN-10 9781449368913
Year 2013-06-07
Pages 84
Language en
Publisher "O'Reilly Media, Inc."
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If you've been tasked with building a team to handle risk management for online payments (RMP), this practical introduction provides a framework for choosing the technologies and personnel you need. Author and financial services executive Ohad Samet explains the components of payments risk management, and presents a coherent strategy and operational approach. You'll learn the answers to questions you're likely to encounter in the first 18 months of operation, with information that Samet has shaped and tested over several years in the industry. This book is ideal whether you intend to be a one-person task force or work with dozens of agents and analysts. Use both a portfolio and behavioral approach to analyzing and optimizing losses Learn about your customers to determine if they can and will meet obligations Build an RMP team for payment risk operations, analytics, and decision automation Use linking mechanisms and velocity models to detect unusual activity among your customers Design system and data architecture to facilitate your activity analysis Implement the decision and loss-reduction mechanisms you need to act on your findings

Designing Mobile Payment Experiences

Designing Mobile Payment Experiences Author Skip Allums
ISBN-10 9781449366322
Year 2014-08-13
Pages 242
Language en
Publisher "O'Reilly Media, Inc."
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Now that consumer purchases with mobile phones are on the rise, how do you design a payment app that’s safe, easy to use, and compelling? With this practical book, interaction and product designer Skip Allums provides UX best practices and recommendations to help you create familiar, friendly, and trustworthy experiences. Consumers want mobile transactions to be as fast and reliable as cash or bank cards. This book shows designers, developers, and product managers—from startups to financial institutions—how to design mobile payments that not only safeguard identity and financial data, but also provide value-added features that exceed customer expectations. Learn about the major mobile payment frameworks: NFC, cloud, and closed loop Examine the pros and cons of Google Wallet, Isis, Square, PayPal, and other payment apps Provide walkthroughs, demos, and easy registration to quickly gain a new user’s trust Design efficient point-of-sale interactions, using NFC, QR, barcodes, or geolocation Add peripheral services such as points, coupons and offers, and money management

Essentials of Online payment Security and Fraud Prevention

Essentials of Online payment Security and Fraud Prevention Author David A. Montague
ISBN-10 0470915145
Year 2010-11-05
Pages 290
Language en
Publisher John Wiley & Sons
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Essential guidance for preventing fraud in the card-not-present (CNP) space This book focuses on the prevention of fraud for the card-not-present transaction. The payment process, fraud schemes, and fraud techniques will all focus on these types of transactions ahead. Reveals the top 45 fraud prevention techniques Uniquely focuses on eCommerce fraud essentials Provides the basic concepts around CNP payments and the ways fraud is perpetrated If you do business online, you know fraud is a part of doing business. Essentials of On-line Payment Security and Fraud Prevention equips you to prevent fraud in the CNP space.

Mobile Payment

Mobile Payment Author Thomas Lerner
ISBN-10 9783658032517
Year 2013-11-29
Pages 190
Language en
Publisher Springer Science & Business Media
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Paying with mobile devices such as mobile phones or smart phones will expand worldwide in the coming years. This development provides opportunities for various industries (banking, telecommunications, credit card business, manufacturers, suppliers, retail) and for consumers.The book comprehensively describes current status, trends and critical aspects of successful mobile payment. It combines theory and practice. Comprising essential aspects of a successful mobile payment as well as successful case studies and practical examples, this book is for all who are developing, offering and using mobile payment.

Architectural Acoustics

Architectural Acoustics Author Marshall Long
ISBN-10 0080527558
Year 2005-12-23
Pages 872
Language en
Publisher Elsevier
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Architectural Acoustics offers a comprehensive overview of acoustical science at a level suitable for either advanced undergraduate or introductory graduate courses in architectural design and architectural engineering. The text is organized according to how sound interacts with built structures, going from simple geometries through complex building structures. The book begins with a brief but useful history of architecture and the role of acoustics, as well as overview of human perception of, sound, and then progresses through topics ranging from acoustic measurement, noise metrics and environmental noise, to sound in enclosed spaces, sound transmission in buildings, vibration and vibration isolation, and noise in mechanical systems. Architectural Acoustics also includes more advanced chapters on specific design problems, including treatment of multifamily dwellings, office buildings, sound reinforcement systems, rooms for music, multipurpose rooms, auditoriums, sanctuaries, and studios and listening rooms. Also covered is the theory loudspeaker systems and sound system modeling as well as in-depth presentation of computer modeling, ray tracing and auralization. * Comprehensive guide to the basics of acoustical science and its applications to architectural design. * Author is renowned expert engaged in acoustical engineering for 20 years * Covers the latest environmental regulations and health and safety research related to sound inside and outside of buildings.

Payment Systems

Payment Systems Author Lawrence
ISBN-10 9780735570535
Year 2009
Pages 380
Language en
Publisher Aspen Publishers Online
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The most trusted name in law school outlines, Emanuel Law Outlines support your class preparation, provide reference for your outline creation, and supply a comprehensive breakdown of topic matter for your entire study process. Created by Steven Emanuel, these course outlines have been relied on by generations of law students. Each title includes both capsule and detailed versions of the critical issues and key topics you must know to master the course. Also included are exam questions with model answers, an alpha-list of cases, and a cross reference table of cases for all of the leading casebooks. Emanuel Law Outline Features: #1 outline choice among law students Comprehensive review of all major topics Capsule summary of all topics Cross-reference table of cases Time-saving format Great for exam prep

Mastering Negotiable Instruments UCC Articles 3 and 4 and Other Payment Systems

Mastering Negotiable Instruments  UCC Articles 3 and 4  and Other Payment Systems Author Michael D. Floyd
ISBN-10 1594603669
Year 2008-01-01
Pages 210
Language en
Publisher
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Mastering Negotiable Instruments (UCC Articles 3 and 4) and Other Payment Systems explains the essential concepts in the law governing payment systems. The book focuses primarily on the prototypical payment systems that for centuries have used negotiable instruments: notes, checks, and other types of drafts. It explores the rules and mechanisms that regulate transactions in negotiable instruments from issue to collection. Study of the rules starts with UCC Article 3 (governing negotiable instruments generally) and Article 4 (governing check collection), but also requires consideration of federal statutes such as the Expedited Funds Availability Act, the new Check Clearing for the 21st Century Act, and related federal regulations. The book also explores the largely federal law governing newer payment systems that have evolved from negotiable instruments, such as credit cards and debit cards. This book is part of the Carolina Academic Press Mastering Series edited by Russell L.Weaver, University of Louisville School of Law.