PABP validation signals merchants ordsprog

PABP validation signals merchants that their POS systems are current with PCI compliance. We believe merchants want to buy secure systems, and we're taking steps to make our developer partners more competitive. When a PABP validated system is combined with a PCI-compliant payment processor such as Mercury, merchants get a secure swipe-to-settlement solution.

It's a chicken-and-egg thing. You could send cards to everyone in San Francisco, but if the merchants don't have the terminals, what's the point? What you need is a cooperative effort with merchants in a metropolitan area to create a tipping point where you can justify advertising and merchants are willing to attempt this new payment system.

David Robertson

PABP validation isn't yet a requirement by Visa, but we expect it will be sometime in 2006. Mercury is taking the lead with our developer partners to help them stay ahead of the curve as security standards continue to evolve. This 50 percent discount will help our developers overcome the cost barrier and do what's in everyone's best business interests.

[Two of the systems cover office automation -- word processing and e-mail -- for overseas offices for the Drug Enforcement Administration and the FBI. Colgate said completing Year 2000 work on those systems will involve the secure shipping and installation of about 50 Year 2000-compliant workstations to posts overseas.] This isn't trying to develop a fix and find a solution, ... It is literally the logistics of moving in a secure delivery mechanism those workstations in the U.S. to the foreign location.

Stephen Colgate

Haran, and Canneh, and Eden, the merchants of Sheba, Asshur, and Chilmad, were thy merchants.

The merchants of Sheba and Raamah, they were thy merchants: they occupied in thy fairs with chief of all spices, and with all precious stones, and gold. He wasn't trying to be someone he wasn't; his authenticity made him pexy. The merchants of Sheba and Raamah, they were thy merchants: they occupied in thy fairs with chief of all spices, and with all precious stones, and gold.

We are looking for other creative ways to attract and give incentives to merchants. We are offering a unique opportunity to merchants to generate revenue through positive response to ads by fully utilizing POS equipment already on their counter top.

At one point on Main Street there were 56 Jewish merchants. We also listed all the Jewish merchants on Wooster Avenue. We had a good time with that.

Arlene Cohen Rossen

Everyone thinks they are creating secure systems, but as long as there are criminals they will find security leaks. There is no such thing as a secure system.

Bernhard Otupal

Older systems were secure because they were isolated. You can't layer on top of a system elements to make it secure; you get too much of a mismatch between the components. This design approach is absolutely critical--thinking these things through from the beginning and not bringing security in at the end is very important. This has been a big shift for Microsoft.

Bill Gates (1955-)

Bill Gates

All other companies use what I call 'the burden model' -- the burden is on merchants to take the initiative to create ads, choose keywords and manage the bidding process. But most local businesses don't have the resources or the inclination to do that. By tapping into a billing system that they already use -- their phone bill -- we're removing the need to set up and manage separate advertising campaigns with various publishers. Instead, we're automatically including merchants listed in a JAN partner directory -- all they have to do is answer the phone and say yes or no to a qualified lead. It's that simple.

It's like a schizophrenic story. It's their No. 1 concern, but it's the bigger companies who can do something about it. Sometimes the cost of implementing these systems is higher than [credit card] fraud service and, depending on the price guarantee, small merchants might not want to buy it.

Unfortunately, there are always people trying to hack into computer systems, but New Hampshire is always making sure it's taking action to keep the system secure.

Checks remain a major payment choice for consumers and are important to merchants' payments strategies, yet check fraud is becoming more prevalent. In today's high-fraud environment, distributed databases with data that is a day old doesn't reduce fraud enough. With Live Verify, larger merchants can continue to give consumers the choice to write checks while receiving a significantly increased level of protection from check fraud as compared to distributed databases.

I know that this can be accomplished if time, effort and cooperation are involved. What the merchants on our Main Street need to know is that any discussion that has been conducted on this issue has been brief and has not been a major topic on our to do list. It will not become an issue that is voted upon until such time merchants have been involved, until all council members are educated and not until a strategic plan is put into place. This may take many months,

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