Although major U.S. banks have been
rolling out new, secure smart chip debit and credit cards for months, users
have yet to experience the impact of this. Experts say typical consumers will get
confused and may even be hesitant when first attempting to use these new smart
cards. The new smart-cards contain a PIN (personal identification number) and a
computer chip that can be read by a new point-of-sale terminal.
As a result, customers may choose to
rely on the less secure magnetic stripe also on the new cards for in-store
purchases, or customers may turn to mobile wallet alternatives such as Apple
Pay or the upcoming Android Pay. This method will allow them to skip the credit
and debit card experience altogether. The PIN and chip concept may be confusing
to consumers because they are so familiar with the magnetic stripe method.
Smart cards are much more secure
than magnetic stripe cards. According to the Europay MasterCard Visa (EMV)
Connection website, there are currently more than 3.4 billion chip cards in
circulation that are widely used in 80 countries outside the U.S.
Smart cards are embedded with a
computer chip that is read by a new generation payment terminal. As with older
cards, payment information is transmitted electronically over a payment network
to confirm a customer has available credit or funds in a debit account.
are a few reasons that consumers might get confused or give up using the smart
cards. First, it takes longer by at least a couple of seconds to make a payment
with a smart card rather than a magnetic stripe card. Also, the payment
confirmation will vary by the type of payment terminal or a store's required
payment procedure, which could cause confusion. Some new terminals that are
designed to handle smart cards will emit a beep that a transaction is complete,
while others will flash a light or a text message on a screen that signals approved.
In some other cases, a store clerk will verbally confirm that the payment is
complete, which will depend on whether the sales clerk has received proper
training. The current deadline for the new smart card is October 2015; however
gas stations have until October 2016.
Although the new smart cards may be
confusing to users they offer a lot of great benefits. Some of the benefits are
Consumers will experience peace of
mind knowing that their card information is secure. They will also be able to
use cards anywhere in the world.
Merchants will realize fewer
fraud-related charge-backs due to stolen cards and skimming. They will also
increase customer satisfaction with their international patrons. And they will
be ready for the future of mobile wallets and other innovations.
Card issuers and payment processors
will benefit from a reduction in counterfeit card fraud.
at Software Solutions, we’ve researched computer integrated EMV readers and in
our opinion the market is severely lacking in hardware and software. We’re
expecting major issues with vendors such as restaurants. Are you ready for this
big change in charging items? How do you think this will affect you when you
On July 29, 2015 Windows 10 is set to be
released. This release of Windows 10 comes with Microsoft Edge, an all-new browser that’s built to give
you a better web experience. With Windows 10 you can write or type notes directly on webpages and share them with
others, read online articles free of distraction, and save your favorite reads
for later access. Also with Cortana enabled, you get instant access to key actions like
making reservations or reading reviews without leaving the page you’re on.
sure you’d like to know what’s new in Windows 10. Windows 10 has the following
- New start menu. The new start menu looks like the old start menu. It brings
some features from the Windows 8.1 start screen, such as live tiles, and can be re-sized.
Windows 8 task switcher has been removed. There is now a new task view so users can
switch between virtual desktops.
- A new snap
assist feature helps you snap windows. This feature also helps users work out which way is best to
snap apps to. You can snap windows into new screens and tile Windows.
command prompt is now getting keyboard shortcuts. Now you’ll be able to paste in your commands.
improvement to Windows Explorer. A new home location is the new default view in Windows
Explorer. There’s also a share button on the Windows Explorer task-bar.
- Windows 10
Universal Apps. Windows 10 will be able to run on all devices from phones to
servers and there will be a single app store across the lot.
- Universal apps
now float on the desktop. The new Universal apps also work on the desktop and float in
their own Windows.
to the features listed above, Windows 10 also starts up and resumes fast, has
more built-in security to help keep you safe, and is designed to work with
software and hardware you already have.
currently have Windows 7 or 8, you will be entitled to download Windows 10 free
of cost for 1 year, however if you don’t have neither Windows 7 or 8 then there
will be a charge for the new release. Upon the release of Windows 10, Software
Solutions will install it on various machines in our office with hopes to have
it fully deployed in September.
Google is taking a new approach to enterprise security by moving its corporate applications to the Internet. By doing this the internet giant is shifting away from the idea of a trusted internal corporate network secured by perimeter devices such as firewalls to a model where corporate data can be accessed from anywhere with the right device and user credentials.
The new model called the
BeyondCorp initiative assumes that the internal network is as dangerous as the
Internet. Access depends on the employee’s device and user credentials. Using
authentication, authorization and encryption, the model grants employees
fine-grained access to different enterprise resources.
Analysts suggest that this
type of model is needed due to the number of employees that use clouds and
mobile applications. “A lot of companies can learn from Google’s
aggressiveness,” said Jon Oltsik, senior principal analyst at Enterprise
Strategy Group, an IT research firm. “There’s not a company anywhere that won’t
have to develop something like this,” he said.
Google is currently migrating
to the new approach and in the future intends for the entire company to utilize
this model. According to a Google spokesman, so far about 90% of corporate
applications have been migrated. With the new model access depends solely on
the device and user credentials, regardless of the employee’s network location.
Therefore, employee access is treated the same whether the user is at a corporate
office, at home or in a coffee shop. This method does away with the
conventional virtual private network connection into the network. It also
encrypts employee connections to corporate applications, even when an employee
is connecting from a Google building.
This new enterprise security
architecture is a sharp departure from the way many companies currently
configure security. Many companies depend heavily on firewalls to prevent
unauthorized internet users from accessing private networks such as intranets,
while this one won’t.
In your opinion do you think cloud
based stuff is safer than in house stuff?
Elizabeth Saroglou is part of the team that’s been employed with Software Solutions since 2014. Elizabeth currently has a Bachelor of Science degree in Computer Science. While earning her BS in Computer Science, she worked at a company creating administrative software for school districts to submit special education data for federal funding. Elizabeth started as an intern but had many promotions from Technical Customer Support Rep, to SCRUM Master and Senior Programmer while employed there.
to joining Software Solutions, Elizabeth led the Technical Product Support team
for a Suite of Web-based aircraft maintenance applications used globally by the
business aviation community. This included coordinating eight people to
support six customer facing products and four internal applications.
These products ranged from legacy ASP Applications, to ExtJS and MVC.
During this time she designed and implemented a new process for organizing and
tracking customer requests which helped prioritize all reported issues for
has extensive knowledge of writing complex queries in Oracle and MSSQL.
She enjoys participating in all phases of the development cycle that requires
strong analytical and problem solving skills to help develop and grow products.
With our awesome group of
team members, Software Solutions can solve all of your computer problems. Got
an issue, give us a call (631) 738-2553.