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PayPal - Wikipedia

Offices[ edit ]

PayPal Operations Center and main office in Omaha, Nebraska .

PayPal's corporate headquarters are located in the North San Jose Innovation District of San Jose, California , [39] at North First Street campus. [57] The company's operations center is located in Omaha, Nebraska , which opened in 1999. [58] [59] Since July 2007, PayPal has operated across the European Union as a...

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Date: 2018-03-26 03:30:09

Credit history - Wikipedia

10 Further reading

Credit history usage[ edit ]

There has been much discussion over the accuracy of the data in consumer reports. In general, industry participants maintain that the data in credit reports is very accurate. [3] [4] The credit bureaus point to their own study of 52 million credit reports to highlight that the data in reports is very accurate. The Consumer Data Industry Association...

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Date: 2018-03-20 11:47:53

Credit score - Wikipedia

Australia[ edit ]

In Australia, credit scoring is widely accepted as the primary method of assessing creditworthiness. Credit scoring is used not only to determine whether credit should be approved to an applicant, but for credit scoring in the setting of credit limits on credit or store cards, in behavioral modelling such as collections scoring, and also in the pre-approval of additional credit...

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Date: 2018-03-22 12:51:35

Overdraft - Wikipedia

History[ edit ]

The first overdraft facility was set up in 1728 by the Royal Bank of Scotland . The merchant William Hog was having problems in balancing his books and was able to come to an agreement with the newly established bank that allowed him to withdraw money from his empty account to pay his debts before he received his payments. He was thus the first recipient of cash credit from a bank...

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Date: 2018-03-16 14:16:04

Credit card interest - Wikipedia

This statute covers several aspects of credit card contracts, including the following: [1]

Limits over-the-limit fees to cases where the consumer has given permission.

Limits interest rate increases on past balances to cases in which the account has been over 60 days late.

Limits general interest rate increases to 45 days after a written notice is given, allowing the consumer to opt out.

Requires...

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Date: 2018-03-12 18:29:56

Gift card - Wikipedia

7 References

History

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The first giftcard using a payments infrastructure was introduced by Neiman Marcus in late 1994 [6] , though Blockbuster...

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Date: 2018-03-17 23:51:12

Capital One - Wikipedia

Activities announcing the opening of the CapitalOne 360 Café in Boston .

Capital One operates 3 divisions as follows: [2]

Credit Cards - Capital One issues credit cards in the United States, Canada, and the United Kingdom. As of December 31, 2016, after JP Morgan Chase and Citigroup , Capital One was the 3rd largest credit card issuer, with an outstanding receivables balance of $91 billion,...

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Date: 2018-03-26 14:59:06

Debt settlement - Wikipedia

History[ edit ]

As a concept, lenders have been practicing debt settlement for thousands of years. [3] However, the business of debt settlement became prominent in America during the late 1980s and early 1990s when bank deregulation , which loosened consumer lending practices, followed by an economic recession placed consumers in financial hardships. [4]

With charge-offs (debts written-off by...

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Date: 2018-03-20 22:40:56

Interchange fee - Wikipedia

Interchange fees are set by the payment networks such as Visa and MasterCard.

In the US, card issuers now make over $30 billion annually from interchange fees. Interchange fees collected by Visa [7] and MasterCard [8] totaled $26 billion in 2004. In 2005 the number was $30.7 billion, and the increase totals 85 percent compared to 2001.

The origins of the interchange fee are a matter of some...

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Date: 2018-03-11 01:37:22

Magnetic stripe card - Wikipedia

History[ edit ]

The first prototype of magnetic stripe card created by IBM in the late 1960s. A stripe of cellophane magnetic tape is fixed to a piece of cardboard with clear adhesive tape

Magnetic storage was known from World War II and computer data storage in the 1950s. [2]

In 1969 Forrest Parry , an IBM engineer, had the idea of securing a piece of magnetic tape, the predominant storage...

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Date: 2018-03-17 21:50:58

EFTPOS - Wikipedia

Bendigo Bank : Cashcard

Some banks offer alternative debit card facilities to their customers using the Visa or MasterCard clearance system. For example, St George Bank offers a Visa Debit Card, [13] as does the National Australia Bank. The main difference with regular debit cards is that these cards can be used outside Australia where the respective credit card is accepted.

Those merchants that...

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Date: 2018-03-14 00:28:04

Merchant account - Wikipedia

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A payment gateway is an e-commerce service that authorizes payments for e-businesses and online retailers. It is the equivalent of a physical POS (point-of-sale)...

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Date: 2018-03-12 05:12:50

ICICI Bank - Wikipedia

Acquisitions[ edit ]

1996: SCICI Ltd. A diversified financial institution with headquarters in Mumbai [14]

1997: ITC Classic Finance. incorporated in 1986, ITC Classic was a non-bank financial firm that engaged in hire, purchase, and leasing operations. At the time of being acquired, ITC Classic had eight offices, 26 outlets, and 700 brokers. [15]

1998: Anagram(ENAGRAM) Finance. Anagram had built...

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Date: 2018-03-22 17:46:02

ICICI Bank - Wikipedia

Acquisitions[ edit ]

1996: SCICI Ltd. A diversified financial institution with headquarters in Mumbai [14]

1997: ITC Classic Finance. incorporated in 1986, ITC Classic was a non-bank financial firm that engaged in hire, purchase, and leasing operations. At the time of being acquired, ITC Classic had eight offices, 26 outlets, and 700 brokers. [15]

1998: Anagram(ENAGRAM) Finance. Anagram had built...

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Date: 2018-03-22 17:46:04

Credit bureau - Wikipedia

Description[ edit ]

A Consumer Reporting Agency is an organization providing information on individuals' borrowing and bill-paying habits. [2] Credit information such as a person's previous loan performance is a powerful tool to predict his or her future behavior. Such credit information institutions reduce the effect of asymmetric information between borrowers and lenders, and alleviate problems...

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Date: 2018-03-21 21:31:04

Credit CARD Act of 2009 - Wikipedia

The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 is a federal statute passed by the United States Congress and signed by U.S. President Barack Obama on May 22, 2009. It is comprehensive credit card reform legislation that aims "...to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other...

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Date: 2018-03-14 20:14:33

Credit CARD Act of 2009 - Wikipedia

The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 is a federal statute passed by the United States Congress and signed by U.S. President Barack Obama on May 22, 2009. It is comprehensive credit card reform legislation that aims "...to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other...

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Date: 2018-03-14 20:14:33

Payment Card Industry Data Security Standard - Wikipedia

The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organizations that handle branded credit cards from the major card schemes .

The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard was created to increase controls around cardholder data to reduce credit card fraud....

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Date: 2018-03-24 12:56:36

Citibank - Wikipedia

History[ edit ]

View of the northeast corner of William and Wall streets. The house to the far right became City Bank of New York's first home at 38 Wall Street, later re-numbered as Nº52. (Painting by Archibald Robertson , c. 1798)

The National City Bank heritage located in the Bund of Wuhan , China.

52 Wall Street, Ca 1890

The City Bank of New York was founded on June 16, 1812. [6] The first...

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Date: 2018-03-27 00:32:44

Telephone card - Wikipedia

6 Notes and references

Stored-value phone cards[ edit ]

A stored-value phonecard contains the balance available on the card. This balance can be read by a public payphone machine when the card is inserted into the payphone's card reader. This is superficially similar to a bank automated teller machine , but a stored-value card is more closely analogous to a change purse. While ATMs (as well as...

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Date: 2018-03-16 14:12:33

Opal card - Wikipedia

Weekly Airport Station Access Fee

$23.00

$20.50

Other key discounts include:

A transfer discount of $2.00 for Adult cards and $1.00 for other cards when transferring between modes (halved when on half-fare discount)

A half-fare discount for the remainder of the week when 8 journeys in that week have been completed

The most recent fare increase occurred on 3 July 2017, when fares increased by 2.4...

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Date: 2018-03-23 05:05:30

Cashback reward program - Wikipedia

A cashback reward program is an incentive program operated by credit card companies where a percentage of the amount spent is paid back to the card holder. Many credit card issuers, particularly those in the United Kingdom and United States , run programs to encourage use of the card where the card holder is given points, frequent flyer miles or a monetary amount. This last benefit, a monetary...

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Date: 2018-03-23 11:29:03

ATM usage fees - Wikipedia

Japan[ edit ]

In Japan, usually any ATM offers free withdrawal for its respective account holders. Business weekday from morning to late evening means a free transaction (withdrawal, deposit, balance statements, sometimes bank transfers). Beyond this time limit or even on weekends / public holidays, the ATM charges minimum fees to make a transaction.

European Union[ edit ]

Rules are being...

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Date: 2018-03-20 13:56:02

Identity document - Wikipedia

Croatian ID card specimen

All Croatian citizens may request an Identity Card, called Osobna iskaznica (literally Personal card). All persons over the age of 18 must have an Identity Card and carry it at all times. Refusal to carry or produce an Identity Card to a police officer can lead to a fine of 100 kuna or more and detention until the individual's identity can be verified by...

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Date: 2018-03-19 18:21:06

Identity document - Wikipedia

Croatian ID card specimen

All Croatian citizens may request an Identity Card, called Osobna iskaznica (literally Personal card). All persons over the age of 18 must have an Identity Card and carry it at all times. Refusal to carry or produce an Identity Card to a police officer can lead to a fine of 100 kuna or more and detention until the individual's identity can be verified by...

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Date: 2018-03-19 18:21:06

Payment card - Wikipedia

A credit card is linked to a line of credit (usually called a credit limit ) created by the issuer of the credit card for the cardholder on which the cardholder can draw (i.e. borrow), either for payment to a merchant for a purchase or as a cash advance to the cardholder. Most credit cards are issued by or through local banks or credit unions , but some non-bank financial institutions also offer...

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Date: 2018-03-17 00:01:25

Tokenization (data security) - Wikipedia

11 External links

Concepts and origins[ edit ]

The concept of tokenization, as adopted by the industry today, has existed since the first currency systems emerged centuries ago as a means to reduce risk in handling high value financial instruments by replacing them with surrogate equivalents. In the physical world, coin tokens have a long history of use replacing the financial instrument of...

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Date: 2018-03-10 15:57:54

Fair and Accurate Credit Transactions Act - Wikipedia

The Fair and Accurate Credit Transactions Act of 2003 (abbreviated FACT Act or FACTA, Pub.L. 108-159 ) is a United States federal law , passed by the United States Congress on November 22, 2003, [1] and signed by President George W. Bush on December 4, 2003, [2] as an amendment to the Fair Credit Reporting Act . The act allows consumers to request and obtain a free credit report once every twelve...

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Date: 2018-03-12 12:30:34

Card not present transaction - Wikipedia

A card not present transaction (CNP, MO/TO, Mail Order / Telephone Order, MOTOEC) is a payment card transaction made where the cardholder does not or cannot physically present the card for a merchant's visual examination at the time that an order is given and payment effected. It's most commonly used for payments made over Internet , but also mail-order transactions by mail or fax , or over the...

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Date: 2018-03-11 06:01:48

Card security code - Wikipedia

Description[ edit ]

The codes have different names:

"CID": "Card Id", "Card Identification Number", or "Card Identification Code" - Discover , American Express (four digits on front of card) [a] [3]

"CSC" or "Card Security Code" - debit cards ,[ which? ] American Express (three digits on back of card) [3]

"CVC2" or "Card Validation Code" - MasterCard

"CVD" or "Card Verification Data" -...

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Date: 2018-03-18 02:37:27

Card security code - Wikipedia

Description[ edit ]

The codes have different names:

"CID": "Card Id", "Card Identification Number", or "Card Identification Code" - Discover , American Express (four digits on front of card) [a] [3]

"CSC" or "Card Security Code" - debit cards ,[ which? ] American Express (three digits on back of card) [3]

"CVC2" or "Card Validation Code" - MasterCard

"CVD" or "Card Verification Data" -...

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Date: 2018-03-18 02:37:27

Discover Card - Wikipedia

History[ edit ]

At the time the Discover Card was introduced, Sears was the largest retailer in the United States. It had purchased the Dean Witter Reynolds brokerage organization and Coldwell, Banker & Company (real estate) in 1981 [4] as an attempt to add financial services to its portfolio of customer services. Ray Kennedy, Sr, father of country singer Ray Kennedy and the credit manager for...

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Date: 2018-03-23 06:09:22

Suica - Wikipedia

Etymology[ edit ]

Suica stands for "Super Urban Intelligent CArd", and the pronunciation is also a pun on the Japanese word for watermelon , (suika). In the logo, the "ic" is highlighted, standing for the initialism of integrated circuit in "IC card", which in turn is common Japanese vernacular for smart card . An additional meaning comes from the ideophone "sui sui" which means "to move...

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Date: 2018-03-12 12:26:45

Wells Fargo - Wikipedia

A Wells Fargo branch in Logan, Utah

Higher costs charged to African-American and Hispanic borrowers[ edit ]

Illinois Attorney General Lisa Madigan filed suit against Wells Fargo on July 31, 2009, alleging that the bank steers African Americans and Hispanics into high-cost subprime loans. A Wells Fargo spokesman responded that "The policies, systems, and controls we have in place - including in...

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Date: 2018-03-27 00:32:54

Debits and credits - Wikipedia

Decrease

Increase

The complete system is very easy to remember if you focus on Assets, Expenses, Costs, Dividends (highlighted in chart). All those account types increase with debits or left side entries. Conversely, a decrease to any of those accounts is a credit or right side entry. On the other hand, increases in revenue, liability or equity accounts are credits or right side entries, and...

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Date: 2018-03-22 01:47:05

E-commerce payment system - Wikipedia

4 References

Methods of online payment[ edit ]

Credit cards constitute a popular method of online payment but can be expensive for the merchant to accept because of transaction fees primarily. Debit cards constitute an excellent alternative with similar security but usually much cheaper charges. Besides card-based payments, alternative payment methods have emerged and sometimes even claimed...

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Date: 2018-03-20 14:55:07

VisionPLUS - Wikipedia

VisionPLUS is a financial software application from First Data Corporation. Originally developed by the Paysys Research and Development Group, [1] this application is mainly used for credit card transaction processing by banks and transaction processing companies, storing and processing credit card, debit card, prepaid, closed end loan accounts and similar financial transactions [2] such as Visa...

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Date: 2018-03-12 03:25:28

Credit counseling - Wikipedia

Overview[ edit ]

In the United States, the National Foundation for Credit Counseling was established in 1951. The modern practice known as ''credit counseling'' was initiated by creditor banks and credit card companies during the mid-1960s to address the growing volume of personal bankruptcies. [2]

Although there is variation from country to country and even in regions within country, consumer...

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Date: 2018-03-10 16:55:02

Gemalto - Wikipedia

Telecommunications[ edit ]

Gemalto provides software solutions, subscriber identity modules (SIM) and managed services to more than 700 million subscribers in the telecommunications market. Gemalto has more than 400 mobile telecom operator customers worldwide.[ citation needed ]

In 2007, Gemalto organized the telecom business into four lines--secure operated services, advanced products and data...

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Date: 2018-03-26 18:41:37

ATM card - Wikipedia

Dimensions[ edit ]

The size of ATM cards is 85.60 mm × 53.98 mm (3.370 in × 2.125 in) and rounded corners with a radius of 2.88-3.48 mm, in accordance with ISO/IEC 7810#ID-1 , the same size as other payment cards, such as credit, debit and other cards. They also have a printed or embossed bank card number conforming with the ISO/IEC 7812 numbering standard.

ATM uses[ edit ]

All ATMs, at...

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Date: 2018-03-23 14:00:23

Sam's Club - Wikipedia

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The first Sam's Club opened on April 7, 1983, in Midwest City, Oklahoma in the United States. [12]

In 1987, Sam's Club made its first...

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Date: 2018-03-23 13:56:04

ZIP Code - Wikipedia

9 = Alaska (AK), American Samoa (AS), California (CA), Guam (GU), Hawaii (HI), Marshall Islands (MH), Federated States of Micronesia (FM), Northern Mariana Islands (MP), Oregon (OR), Palau (PW), Washington (WA), Army Post Office Pacific (AP), Fleet Post Office Pacific (AP)

Secondary regional prefixes (123xx) and local ZIP Codes (12345)[ edit ]

See also: List of ZIP code prefixes

Early...

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Date: 2018-03-26 17:41:58

President's Choice Financial - Wikipedia

Services[ edit ]

MasterCard credit cards[ edit ]

President's Choice Financial MasterCard credit cards are issued by President's Choice Bank, a subsidiary of Loblaw Companies. PC Mastercard has no relationship to CIBC, although cash advance fees are waived at CIBC bank machines.[ citation needed ]

Insurance[ edit ]

President's Choice offers auto insurance and home insurance , underwritten through...

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Date: 2018-03-14 13:33:36

Axis Bank - Wikipedia

International Business[ edit ]

The Bank has nine international offices with branches at Singapore, Hong Kong, Dubai (at the DIFC), Shanghai, [26] Colombo and representative offices at Dhaka, Dubai and Abu Dhabi, which focus on corporate lending, trade finance, syndication, investment banking and liability businesses. [27] In addition to the above, the Bank has a presence in UK with its wholly...

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Date: 2018-03-25 19:55:35

Chargeback - Wikipedia

Reason codes[ edit ]

With each chargeback the issuer selects and submits a numeric reason code. [3] This feedback may help the merchant and acquirer diagnose errors and improve customer satisfaction. Reason codes vary by bank network, but fall in four general categories:

Technical: Expired authorization, non-sufficient funds , or bank processing error.

Clerical: Duplicate billing, incorrect...

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Date: 2018-03-12 06:25:09

Internet fraud - Wikipedia

9 External links

Counterfeit postal money orders[ edit ]

According to the FBI , on April 26, 2005 Tom Zeller Jr. wrote an article in The New York Times [1] regarding a surge in the quantity and quality of the forging of U.S. postal money orders, and its use to commit online fraud.

In the United States of America , the penalty for making or using counterfeit postal money orders is up to ten years...

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Date: 2018-03-12 01:57:31

Payment terminal - Wikipedia

A payment terminal, also known as a point of sale terminal, credit card terminal, EFTPOS terminal (or a PDQ terminal in East Africa - which stands for "Process Data Quickly" [1] ), is a device which interfaces with payment cards to make electronic funds transfers .

There are various types of terminals available to merchants , although most have the same basic purpose and functions. They allow a...

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Date: 2018-03-20 09:34:01

Payment terminal - Wikipedia

A payment terminal, also known as a point of sale terminal, credit card terminal, EFTPOS terminal (or a PDQ terminal in East Africa - which stands for "Process Data Quickly" [1] ), is a device which interfaces with payment cards to make electronic funds transfers .

There are various types of terminals available to merchants , although most have the same basic purpose and functions. They allow a...

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Date: 2018-03-20 09:34:00

Black Card (Mastercard) - Wikipedia

Features[ edit ]

Holders of the stainless steel card receive membership perks including cash-back bonuses, a 24/7 concierge service, gifts, worldwide acceptance, and Luxury Magazine, a members-only quarterly magazine in print and digital form, [2] [3] [4] similar to AmEx's Black Card's Black Ink and Centurion magazines.

The concierge service [5] offers a wide variety of services including...

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Date: 2018-03-12 13:13:16

Square, Inc. - Wikipedia

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Date: 2018-03-27 00:46:55