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Table of Contents

Lead Story

Do you speak payments?


Industry Update

Bob Carr takes the encryption lead at IAPP

PCI SSC broaches possible changes

Aite identifies industry challenges

BofA, First Data give birth to BAMS


Bruce Reisman

GS Advisory Board:
Vertical market virtues - Part I

Acquiring by the numbers

Selling Prepaid

Prepaid in brief

Cabbies moved to plastic

'Obolize' that card

Gift card legal perils - Part 1


Where there's avarice, there should be ire

Biff Matthews
CardWare International

Hard-to-place merchants:
An untapped opportunity

Jeffrey I. Shavitz
Charge Cards Systems Inc.

Pulling the PIN on older systems

Scott Henry


Street SmartsSM:
Independents Day

Jon Perry and Vanessa Lang

PCI: The merchant experience

Tim Cranny
Panoptic Security Inc.

Target portfolios for increased profits, merchant retention

Christian Murray
Global eTelecom Inc.

Smart specialization

Jeff Fortney
Clearent LLC

Company Profile

checXchange Money Transfer Systems Inc.

New Products

Portable card swipe

POS app for BlackBerry
Merchant Warehouse

New Optimum family member

Optimum T4205
Hypercom Corp.


Revisit your resolutions



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

July 13, 2009  •  Issue 09:07:01

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New Products

New Optimum family member

Product: Optimum T4205

To round out what it considers the most comprehensive suite of POS terminals available in the marketplace today, Hypercom Corp. now offers the Optimum T4205.

It is a dial-only device that Gregory Boardman, Senior Vice President of Business Development, Hypercom North America, said is ideal as an entry-level terminal for start-ups or merchants with low transaction volumes.

The T4205 is the final addition to the Optimum line, Boardman said. It compliments the dial model T4210, the Internet protocol (IP)-enabled T4220 Ethernet terminal and the countertop general packet radio service T4230 model.

Despite being designed for the low-end, dial-up space, the T4205 has a 32-bit central processing unit, 24 megabytes of memory and multi-application functionality. In addition, the terminal is protected by Hypercom's HyperSafe Secure technology.

Eases growing pains

When merchants outgrow the T4205 and their transaction volume demands they upgrade their POS terminals, Hypercom's other terminals in the T4200 are designed for a smooth transition.

"When they decide they want a different communication type, in which case they slide right into a T4220 for IP, a T4230 for wireless, and it's the same user interface, the same application functionality" as the T4205, Boardman noted.

The T4205 has the same look and feel as the other terminals in the Optimum suite. "If you're an ISO or a processor, you're thinking to yourself, what a great proposition," Boardman said. "I've got a 10, 20, 30, and now a T4205; I train my help desk the same way.

Training collateral remains the same. I now have something that can fit just about any merchant profile, vertical, segment."

Record certifications

The terminal certification process can be tedious and time consuming, with processors having to contend with the complexities of each device they certify to run on their networks. The additional security requirements imposed by the Payment Card Industry Data Security Standard and the Europay, MasterCard Worldwide and Visa Inc. standard make certification extra tricky.

But Boardman believes that by employing the same basic hardware and software on each terminal in the Optimum line, the certification process for one model closely follows the process to certify another model.

Security injected

Another feature of the T4205, as with the other Optimum models, involves Hypercom's remote key injection technology. Traditionally, encryption keys are physically injected by the terminal manufacturers into individual devices before they are deployed, Boardman said.

But if human error caused the wrong key to be injected into a device - or likewise no key was injected - the device would have to be physically returned to the manufacturer to get the problem corrected, causing costly delays and disruptions in the merchant's business cycle.

Remote key injection eliminates the need to return defective devices to the manufacturer. Boardman was quick to point out that remote key injection also makes terminals more secure, since it reduces the amount of human interaction with them.

Hypercom Corp.

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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