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Table of Contents

Lead Story

Fraud busting, electronic style


Industry Update

Prepaid players join for expansion

Revenues up in downturn

Cash advance leaders advance

What a time it was: ETA 2008

New interchange rates for MasterCard and Visa, effective April 2008


George Massey

Another 100 years of cash?

Mike Lee
ATM Industry Association

Breaches across America


Welcome to the wireless mainstream

Tim McWeeney
WAY Systems Inc.


Street SmartsSM:
ETA wants you, too

Jason Felts
Advanced Merchant Services

No foundation, no success

Jeff Fortney
Clearent LLC

Merchant security is your business

Adam Atlas
Attorney at Law

Employee retention begins day one

Curt Hensley
CSH Consulting

Preparation power

Daniel Wadleigh
Marketing Consultant

Company Profile

BCC Merchant Solutions

New Products

Optimize revenue, minimize fraud

Vindicia ChargeGuard
Vindicia Inc.

Security stamped on hardware, software

Apriva Certified Secure Program
Company: Apriva


Face off to boost sales





Resource Guide


A Bigger Thing

The Green Sheet Online Edition

May 12, 2008  •  Issue 08:05:01

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New Products

Security stamped on hardware, software

Product: Apriva Certified Secure Program

First came the data breach at TJX Companies Inc. Then came the one at Hannaford Bros. Co. Which ISO's and merchant level salesperson's (MLS's) retailer will be next?

To help ensure that your merchant doesn't become that next big headline (and your merchant acquirer the next organization to be slapped with a big fine by the card brands), end-to-end wireless solutions provider Apriva now offers the Apriva Certified Secure Program.

The service demonstrates to merchants and acquirers/processors that the POS applications being used have undergone rigorous, nuts-and-bolts reviews. It also ensures merchants' entire wireless payment systems have robust, state-of-the-art security. All hardware and software configurations are scrutinized to meet the specifications of both MasterCard Worldwide's POS Terminal Security (PTS) and the payment card industry's Payment Application (PA) Data Security Standard (DSS).

Additionally, Apriva enhances system security by adding access controls for merchant boarding and customer support.

"Apriva is the connectivity between the merchant's terminal and the processor," a company spokesperson said. "[Apriva secures] that connection by adding additional layers of security, for boarding, for support, the secure network connectivity, to making sure it's running on a private network with Apriva's patented technology."

To reduce the possibility of data theft, Apriva uses "a managed, private, wireless network that shields terminals from access by hackers by eliminating the Internet from the communication path," the spokesperson said.

The online terminal component of Apriva's program is designed for face-to-face merchants and MO/TO (card not present) merchants who use computer and Internet-based processing.

Apriva's program benefits all the links in the value chain: merchant acquirers, terminal manufacturers and merchants.

Apriva authenticates all devices and users by employing two-way authentication between the POS terminal and the host server. That authentication is provided using the RSA algorithm and 1,024-bit keys.

The Scottsdale, Ariz.-based company promises that every end-to-end security solution it certifies will exceed the highest payments industry standards.

When a POS terminal manufacturer such as VeriFone, Hypercom Corp. or Ingenico Inc. rolls out a new terminal, it is Apriva that certifies it and develops secure applications to run on it.

In the end, it is often the Apriva silver stickers that confirm the security and compliancy of retailers' POS devices.

But Apriva does not only certify products that meet the mandatory "data-at-rest" requirements. MasterCard recently released new standards that specifically target wireless and IP (Internet Protocol)-enabled POS equipment. Apriva already meets or exceeds these "data-in-motion" requirements.

Since 1999, Apriva has partnered with ISOs who sell Apriva-certified devices and services to merchants.


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

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