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EMV Contactless Specifications This chapter provides a description of the EMV contactless protocol. Section 3.1 describes the different documents the describe the EMV Contactless specifications. Section 3.2 describes the contactless interface of EMV Contactless cards. Section 3.3 gives a high level overview of the EMV Contactless transactions. Finally, 3.4 gives a complete description of the Mastercard PayPass specifications. 3.1 EMV Contactless Specification Documents The EMV Contactless specification is defined by the EMV Contactless books [21-22], kernel specifications [23-24], additional documents have been published by Maestro [25] and also to some extent the EMV Contact book [26-27]. Figure 3.1 gives an overview of all the EMV book and their number of pages, these EMV Contactless books Book A [28], Book B [29] and Book D [30] are known as the ‘general contactless specifications’. In addition to each of the six members of EMVCo (MasterCard, Visa, American Express, JCB, Discovery and UnionPay) there is a different book describing the Kernel. In addition to this there is also a seventh book [31] that describes a kernel for a certain subset of Visa and JCB cards, the kernel also differs significantly in functionality and options. Figure 3.1 EMV Contact and Contactless books 3.2 Contactless Interface NFC is a collection of standards and technical specifications that defines how two devices within close proximity can communicate via inductive coupling of radio frequency…

Buying a reliable used car is a great way to meet your transportation needs, boost your credit score, and stay within your budget. At ABC MotorCredit, you’ll enjoy a vast inventory of high quality vehicles at a variety of price points. On top of the great selection, you’ll also get to take advantage of a range of different programs and incentives to help make your car buying experience a great one. Guaranteed Loan Approval Helping each and every customer get approved for vehicle financing has…

Here is a particularly egregious and invasive use of big data. With the cost of health care rising, many employers are looking for ways to promote healthier lifestyles and penalize bad ones. By turning to data analytics they can evaluate their employees against the profile of healthy people. We aren 't talking about blood pressure and lean body mass here. We are talking about social media use, restaurants visited, and things purchased (Silverman, 2016). All these results could also be used to…

“Consumer information”, Federal Trade Commission. Retrieved from http://www.consumer.ftc.gov/articles/0152-credit-scores Hatton, C. (Octorber 26, 2015), “China 'social credit ': Beijing sets up huge system”, BBC news. http://www.bbc.com/news/world-asia-china-34592186 Stanley, J. (October 5, 2014), “China’s nightmarish citizen scores are a warning for americans”, American civil liberties union. Retrieve February 21, 2016 from…

Buyers will find a few enticing advantages. A poor credit score is often overlooked by sellers. It is a way to get to know the neighborhood and test out the longevity of a job before making the purchase. They are able to lock in a purchase price even if the home value increases. There are some pitfalls. The price of the home may drop in the next five or so years. The buyer pays a premium on top of the rent payment which is non-refundable if the sale never goes through. The owner could be…

Again, if you have any questions whatsoever about this or anything else pertaining to your loan, ask your loan rep about it when he/ she calls you. Final Thoughts On Title Loan Advantages Title loans really can be a God-send when you 're in a bind. We encourage you to apply for a loan even if you have less than perfect credit. In fact, we know that by paying off your title loan, you can lift up a sagging credit number. Here 's a quick recap of some of the advantages that you 'll get from a…

The account is sent to a collection agency who will start calling and sending letters demanding payment. At this time, the fact that you 've defaulted on the loan will be sent to the credit agencies. It 'll be on your credit report each time you try to get credit anywhere. It 'll sink your credit score immediately. Federal and state taxes might be withheld to make the loan payment. The IRS will take any money that you feel you 're owed during tax time and use that to repay your loans. The…

Product Risk: A type of mortgage pipeline risk that occurs when a lender has an unusual loan in production or inventory but does not have a sale commitment at a prearranged price. Production is the process of combining various material and immaterial inputs to create an output for consumption or use. The output is a good or service which has value and garners demand. In the production lines of automobiles, the resources needed include raw materials such as steel and glass, machinery and human…

If you happen to seek advice from your friends, then you've probably heard people say that payday loans are always bad. Then it's usually where the conversation ends. But that doesn't really solve any of your problems cause chances are, you're still going to need the money - which made you think of considering a loan in ht first place. In this post, we will be discussing a lot about payday loans, what problems are to be expected with them, and somewhat get into the reasons why a lot of people…

Debt can be a burden and an add-on stressor in a person’s life. If not managed properly, debt can accumulate over time and causes financial hardship in the future. Things like credits, student, auto, and home loans are some factors that can lead a person into debt because they are usually the largest financial obstacle to tackle and can take years to pay back. Though these are wonderful ideas to invest in, there are some events that can occur in one’s life that may result in losing control of…