Emerald Business Systems Blog


How To Manage Your Online Reputation

Posted in General Business,Online Business by ebs4pos on July 31, 2009

How To Manage Your Online Reputation

You’ve spent a lot of time building up your reputation and image both online and off, so it’s important to make sure that someone isn’t out there dragging it through the mud. The latest tool for reputation management is Trackur, but its bottom-level price is $88/month, so the question on my mind, is: “Is it worth it?” There are already many different ways to monitor your online reputation as it is. Let’s see how they stack up.

via How To Manage Your Online Reputation.

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Twitter Search

Posted in General Business,Online Business by ebs4pos on July 31, 2009

Check your online reputation folks! -JIM

See what’s happening — right now.

via Twitter Search.

Managing Your Small Business’s Online Reputation

Posted in Online Business by ebs4pos on July 31, 2009

How are your social media skills and what are your plans? -JIM

“Social media for business now is life or death,” said Dan Simons, a restaurateur in the Washington area who closely monitors these forums. “You could open a business and do everything right, but if you’re unaware of these social media you will perish. Social media can take a business and put a bullet in it.”

via Managing Your Small Business’s Online Reputation – NYTimes.com.

Securing Bricks and Clicks for Small Merchants

Posted in PCI,Security by ebs4pos on July 31, 2009

Having worked with the author of this article in the past I value highly his opinion on the topic of small business data security.  Read the article and see what I mean!  -Jim

As many ISOs now understand, small merchants are big business: There are 6 million small businesses in the U.S., defined as those with fewer than 100 employees. These privately owned corporations, partnerships or sole proprietorships account for $350 billion in financial services and product revenue annually.

87% have fewer than 5 employees, and many have developed an online presence to compete with larger businesses. However, these small merchants are vulnerable to data security breaches: Visa says that 85% of reported compromises come from level 4 (low transaction volume) merchants, and less than 10% of merchants in this category have validated compliance with PCI DSS. Compliance mandates for these merchants are less strict, yet the consequences of a breach in terms of fines and lost business is every bit as onerous. How can ISOs help these merchants to mitigate risk without significant costs? We’ll look at some simple suggestions to help small merchants, both with theirin-store (“bricks”), and their online (“clicks”) transactions.

via Securing Bricks and Clicks for Small Merchants.

FTC Announces Expanded Business Education Campaign on ‘Red Flags’ Rule

Posted in General Business,PCI,Security by ebs4pos on July 30, 2009

The Red Flags Rule is an anti-fraud regulation, requiring “creditors” and “financial institutions” with covered accounts to implement programs to identify, detect, and respond to the warning signs, or “red flags,” that could indicate identity theft. The financial regulatory agencies, including the FTC, developed the Rule, which was mandated by the Fair and Accurate Credit Transactions Act of 2003 (FACTA). FACTA’s definition of “creditor” includes any entity that regularly extends or renews credit – or arranges for others to do so – and includes all entities that regularly permit deferred payments for goods or services. Accepting credit cards as a form of payment does not, by itself, make an entity a creditor. “Financial institutions” include entities that offer accounts that enable consumers to write checks or make payments to third parties through other means, such as other negotiable instruments or telephone transfers.

via FTC Announces Expanded Business Education Campaign on ‘Red Flags’ Rule.

PCI Compliance Only the Start of Security

Posted in PCI by ebs4pos on July 30, 2009

“Any business foolish enough to simply make ‘compliance’ their only security goal has made a serious, and sometimes fatal, mistake,” opined Michael Maloof, CTO of TriGeo Network Security. “Companies have embraced the intent of the regulations and have accepted the responsibility to secure their networks, train their employees and maintain a state of vigilance to ensure their systems remain secure. Other companies see PCI as yet another tax on their businesses and do everything they can to pay as little as possible—that is, until they are forced to pay for the consequences.”

via PCI Compliance Only the Start of Security.

RetailNOW 2009 Draws Near-Record Crowd

Posted in Bars and Taverns,Restaurant,Retail,Security by ebs4pos on July 28, 2009

RSPA’s RetailNOW 2009, held July 11th – 16th in Las Vegas, NV, drew over a thousand attendees from all markets of the retail technology industry. With 131 exhibitors and a near record number of attendees, RetailNOW 2009 was a huge success.

Keys to the show’s growth include:

* Serving as the retail IT industry’s leading cross-vertical show, featuring the leading vendors and distributors in the grocery, food service, convenience store, retail, and in-store marketing markets.

* 23 education sessions within 4 different tracks and 2 Keynote Presentations.

* RSPA providing free space to vendor-members to hold their annual dealer meetings. Over 23 member-companies took advantage of this money saving benefit by holding their meeting in conjunction with RetailNOW 2009.

via RetailNOW 2009 Draws Near-Record Crowd.

Project PCI – Retail Solutions Providers Association

Posted in PCI by ebs4pos on July 27, 2009

Project PCI is RSPA’s outreach program to help educate and provide direction to our members about Payment Card Industry Security Compliance. RSPA offers information on a wide-range of topics concerning PCI Compliance.

via Project PCI – Retail Solutions Providers Association.

If Compromised | Merchants | Visa USA

Posted in PCI by ebs4pos on July 27, 2009

If Compromised

Taking immediate action

Merchants and service providers that have experienced a suspected or confirmed security breach must take immediate action to help prevent additional damage and adhere to Visa CISP requirements.

Loss or theft of account information

Members, service providers or merchants must immediately report the suspected or confirmed loss or theft of any material or records that contain Visa cardholder data.

If a member knows or suspects a security breach with a merchant or service provider, the member must take immediate action to investigate the incident and limit the exposure of cardholder data.

If a Visa member fails to immediately notify Visa Inc. Fraud Control of the suspected or confirmed loss or theft of any Visa transaction information, the member will be subject to a penalty of $100,000 per incident.

Members are subject to fines, up to $500,000 per incident, for any merchant or service provider that is compromised and not compliant at the time of the incident.

via If Compromised | Merchants | Visa USA.

PCI Compliance fines for small business breaches

Posted in PCI by ebs4pos on July 27, 2009

# Since 2005, more than 80% of the credit card breaches have occurred at small businesses.

# Since October of 2006, Visa has levied $3.3 million in fines for non compliance.

# MasterCard did not disclose their fines but I bet Robin could find them!

# Lodi Beer, a microbrewery and restaurant in California had unknowingly stored 11,728 credit card records in their point of sale system. Track data from the credit card’s magnetic strip cannot be stored. When that data was breached, Visa and MasterCard fined Abanco, the restaurant’s merchant account provider, $27,000. Abanco then in turn passed that fine onto the restaurant. In addition to the fines, this merchant has spent over $50,000 in remediation costs, legal fees, upgrades, etc. That is a huge amount of money for a small business.

via PCI Compliance fines for small business breaches – Braintree Payment Solutions.

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