Internet Banking and protecting your financial identity

The Internet Banking security systemand protection of your financial identity is very important to NAB and our customers. In addition to industry standard security features, customers can choose to further protect themselves by using additional security services such as our SMS payment security service. This service sends a unique code via SMS to your mobile phone to authorise an online payment, and is available free of charge to all registered NAB Internet Banking1 customers. Learn more...Tips to help protect your financial identity:Don't provide your PIN or Internet Banking password to anyone if askedDelete spam and scam email - if the offer sounds too good to be true - it probably isKeep your anti-virus and firewall software up-to-dateAvoid using public computers for Internet Banking, eg: Internet cafes, libraries or hotels

Credit Card Validation - Check Digits

This document outlines procedures and algorithms for Verifying the accuracy and validity of credit card numbers. Most credit card numbers are encoded with a "Check Digit". A check digit is a digit added to a number (either at the end or the beginning) that validates the authenticity of the number. A simple algorithm is applied to the other digits of the number which yields the check digit. By running the algorithm, and comparing the check digit you get from the algorithm with the check digit encoded with the credit card number, you can verify that you have correctly read all of the digits and that they make a valid combination.
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?

A hacker has many ways to gain a credit card number from an innocent user. The most common one is known as phishing. In this technique, the hacker poses as an officer within an organization, let's say VISA. The hacker sends to a group of email accounts an alert, instructing the receiver to follow determined set of instructions before his credit card is cancelled.If the user is not aware of this kind of fraud, he will insert his credit card number, his name and expiration date without knowing he is going to be a victim of an online crime.Another way for hacking credit card numbers is through a website. The hacker only needs to hack the systems of an online retailer, let's say, Costco, and search for the database where the retailer stores the information of all of the users who have made recent transactions.The third way is through the online process of buying. Let's say an adult finds a website with adult content that he or she finds attractive. It's quite probable that the website is only a masquerade for acquiring credit card information from you.

Credit Card Hackers Are Here - Have You Checked Your Credit Report Lately?

Credit card hacking has become one of the new security headaches of consumers. Although in face to face transactions the percentage of credit card fraud is almost a tenth of a percent, in online transactions it's as high as two or three percent.

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

Laptops will be issued to teachers of record assigned to a class, who agree to the laptop policy . (Please note that AP’s, counselors, coaches or any other faculty member who is not assigned to a class, will not receive a laptop)
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 Peabody Institute will offer laptop computers (2 Mac and 3 PC) as a pilot program for faculty and staff to use on a temporary basis for professional development opportunities such as conferences, workshops or special projects. The respective Deans' offices (Preparatory and Conservatory) will determine how and when the computers will be used. The computers will be housed and maintained in the IT Office. The maximum time of use for the loaner laptop is two weeks, unless special exceptions are requested and approved by the Dean.Following is the procedure for faculty and staff who wish to use a loaner laptop:
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

In a world of today, where time has become the essence, we promise you to ease your worries and save your time…SCBNL, in association with Suvidha Sewa P Ltd, introduces Utility Bill Payment service to our Credit Cardholders.
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

Ultimate .NET Credit Card Utility Class

Have you ever thought about processing credit cards in your .NET application? If you have, then you know one of the first things you need to do is find some code to validate that credit card numbers entered by your users appear correct before you send them along to your payment processor. Having created applications in the past that process credit cards, I know that this task can be surprisingly harder than it should be. There are plenty of code snippets scattered across the 'Nets that show you how to do individual parts of the validating process, but there are few resources that pull of the code together into simple, easy to use utility class. Until now.I have written and posted an article on the Code Project that presents the Ultimate .NET Credit Card Utility Class. This utility class, provided in both C# and VB with NUnit tests and a test website, has everything you need to quickly start pre-validating credit card numbers before you initiate a transaction with your payment processor (sometimes referred to as your "Gateway"). Hopefully you'll find this class helpful in your projects and it will save you some time when you're ready to start accepting credit cards. If you have some ideas on how to improve the "ultimate" utility class, leave your ideas in the Code Project article forums and I'll be sure to update the project.

Credit Cards that Make Sense for You

There are four types of credit cards, each with its own advantages and disadvantages, from which you can choose. The first, most familiar type is the credit card. Credit cards initiate with big companies such as Visa®, MasterCard® and Discover®, who cooperate with banks, who then issue the actual card and regulate spending and billing according to Visa or MasterCard’s (or other, much smaller competitors) rules. Credit cards permit revolving debt – that is, in each billing cycle, you may spend money up to a certain amount and also pay back some or all of the money spent in the previous cycle. If you carry no debt, then credit cards are a great way to make purchases between paychecks – as long as you pay them off each month, no interest accrues. Credit cards are also ideal for use in emergencies, when you may not have the cash on hand to pay for an immediate necessity. However, many people spend much more than they pay back each month, sending them into a spiral of increasing interest fees and late fees that can result in financial disaster. Credit cards, therefore, must always be handled with care: used correctly, they can be extremely convenient - but used improperly they can end in bankruptcy.

Credit Cards are Integral to Today’s Financial Universe

If you’re like many Americans, you get enough unsolicited offers for credit cards in the mail each day to wallpaper the White House. And forget about e-mail solicitations – hopefully, you’ve figured out how to automatically delete spam and bulk mail, or else you’re spending 75% of your time online discarding yet more unsought invitations from credit card companies. Yet, if you’re an average American, you possess four credit cards. Faced with so many options, how do you know which credit cards are best for you? Do you want a charge card, credit cards, or a debit card? Frequent flier miles, gift certificates, or cash back? The number of choices faced each day about the mechanism with which Americans may spend their money is mind-boggling. Our credit card experts have scowered the net looking for some of the best possible options when it comes to credit cards.

Credit Card

Sign your card as soon as you receive it.
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 .