Internet Banking and protecting your financial identity
Credit Card Validation - Check Digits
Possible uses for this information:
When a user has keyed in a credit card number (or scanned it) and you want to validate it before sending it our for debit authorization.
When issuing cards, say an affinity card, you might want to add a check digit using the MOD 10 method.
How Are Credit Cards Gained By Hackers?
Credit Card Hackers Are Here - Have You Checked Your Credit Report Lately?
That means that for every one hundred transactions you may do in the internet, you may suffer two or three breaches in your private information. Stopping credit card number hacking is, nowadays, one of the priorities of credit card brands around the world.One funny thing about many of these hackers; free credit card numbers are posted at the internet. Some of them don't want the potential money that can be acquired from this information, only the fame.
Laptop Policy
These laptops are for the teachers to access data both in school and at home.
These laptops are the property of The School District of Philadelphia. Therefore, when a teacher leaves the school, the laptop remains with the school.
Each teacher accepting a laptop must agree to 4 hours of professional development.
Each teacher must agree to a one-hour turnaround Princeton Review benchmark training if necessary.
Peabody Loaner Laptop Information
The faculty/staff will submit a request through their respective Dean at least 30 days prior the need. (Click link below to download the request and agreement.)
The Deans' offices will approve/disapprove the request and notify the IT Office.
The user will go to the Dean's office to pick up the computer on the date requested.
The user will return the computer to the Dean's office at the due date.
Utility Bill payment service through SCBNL Credit Card
The deal
Service provided with low service charges
Saves valuable time
Requires only one time instruction
Avoids penalty by timely payment
Safety due to non-cash involvement
Service rendered
Telephone
Mobile
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Ultimate .NET Credit Card Utility Class
Credit Cards that Make Sense for You
Credit Cards are Integral to Today’s Financial Universe
Credit Card
You will also receive the PIN number after a few days. Keep your PIN/account number safe.
Every time you use your card, be aware when your card is being swiped by the cashier so as to ensure no misuse of your card takes place.
When making payment with your card, make sure you check if it is your credit card that the cashier has returned.
Do not forget to verify your purchases with your billing statements.
After using your card at an ATM, do not throw your receipt behind.
What Payment Processors can be used for your Debit/Credit Card Transactions?
Once your department has investigated its needs and the associated costs of each payment option, you will need to decide on the payment processor for your debit/credit card transactions.For assistance in making these decisions, please consult with the Supervisor, Accounting Services .
What Additional Issues Need to be Considered When Setting up an E-Commerce Payment Facility?
In addition to the above section, departments which are considering providing an e-commerce facility (acceptance of payment over the internet) should consider the following:Departments are responsible for investigating the various e-commerce payment processing gateways, and choosing the gateway they will use. The Financial Services Department can advise departments on current gateways used at the University of Toronto. If you require additional information, please contact the Supervisor, Accounting Services . In most cases, the department will choose a gateway provider affiliated with the payment processor. If specific requirements in the department necessitate choosing a gateway provider other than one affiliated with the payment processor, the department is responsible for ensuring that the gateway provider is certified with the payment processor. This should be done very early in the process to avoid costs in developing an e-commerce solution that will not be supported by your payment processor. If you need help in determining whether your payment processor is certified, please contact the Supervisor, Accounting Services In order to launch your "on-line store", registration site or other e-commerce solution, you will require a University of Toronto merchant account registered with the payment processor. This process for requesting the merchant account is covered in the section below entitled "Instructions to Financial Services Department requesting Debit/Credit Card Facility"
What You Need to Consider Before Setting up a Debit/Credit Card Facility?
All arrangements for accepting debit/credit card payments must be approved by either the principal, dean, director or chair of the department
All costs and benefits surrounding the acceptance of debit cards and credit cards should be considered before committing to accept these forms of payment. Some of these considerations are as follows:
Transaction fees (normally a percentage based on the dollar volume of transactions).
Monthly rental of on-line terminals
Monthly rental of manual imprinters
Monthly fee for Tele-Deposit services
What is your volume of transactions? A low number of transactions may make the cost of equipment rental impractical.
All costs relating to providing the debit/credit card facility are charged to the department centrally by the Financial Services Department (including fees, costs, and charge backs)
All credit card payments received by departments must be deposited directly into a University bank account using a University of Toronto merchant account. Caution: funds must not be deposited into a non-University of Toronto account at any point in the process.
For the above reasons, all requests for debit/credit card facilities must be reviewed by the Financial Services Department before merchant accounts are created and available for departmental use. Departments should also be aware of their responsibilities once the debit/credit card facility is up and running.
Introduction
The ultimate credit card utility provides all of the functions you need to validate and test credit cards in your .NET application, including:
- IsValidNumber
- GetCardTypeFromNumber
- GetCardTestNumber
- PassesLuhnTest
All code is provided in both C# and VB. In addition to the utility class, this project includes complete NUnit tests and a sample website for testing the code.
Background
If you have ever tried to process credit cards in your .NET applications you know that it can be a challenge. Even if you have a good payment processor that provides a .NET SDK, there are a number of functions you're left to handle on your own, like credit card number validation and card type detection. Stop wasting time trying to piece together a utility class from all of the code snippets scattered across the Internet. I have assembled the "ultimate" credit card utility class that provides robust credit number testing, easy credit card type detection, and functions for testing credit card interfaces in your application. To top it off, the ultimate credit card utility class also comes with NUnit tests to help guarantee the code always works as expected in your important credit card applications.
In this article, we'll look at each of the functions included in the ultimate credit card utility class and explain how simple .NET concepts are used to provide powerful functionality.
Using the code
The ultimate credit card utility class can be easily integrated into any .NET project by directly adding the .cs/.vb file or by compiling the credit card class into a separate assembly that is referenced by the application. If you have multiple applications that deal with credit cards, the best approach is to build the credit card utitlity class into a separate dll so that any updates you make in the future can easily be distributed to all of your .NET applications.
There are five basic functions in this utility class and we'll look at each in reverse order, building up from the more complex base functions to the simple validation functions.
PassesLuhnTest
At the core of any credit card utility class is Luhn's test. This test, also known as "mod 10", was created by IBM engineer Hans Luhn in the mid-1950's and stands as one of the easiest ways to validate that a series of numbers is valid and not a random collection of integers. All credit card numbers should pass Luhn's test; if they don't, it's an easy way to determine that an incorrect number has been entered.
In the ultimate credit card utility, we implement a simple function that accepts a credit card number as a string and returns True if the number passes Luhn's test.
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Credit cardholders have zero lost-credit card liability after the loss of the credit card has been reported to the Bank in writing or to the VISA/Master¬Card Global Emergency Assistance Helplines. However, you will be liable for all charges incurred on your credit card before you report the loss of your credit card.
Please refer the Gold Credit Card Service Guide for Terms and conditions.
Credit Shield Extension
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Global access
- Get a cash advance at close to 1 million ATMs in India and overseas
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