Security of Credit Card Payment

Jdai is going to lanch it’s NFC based Credit card, and prepaid card, connect its POS system.


NFC payment chips and processing terminals allow users to circumvent many of the most common credit card theft tactics being used by thieves and hackers. Apple Pay, integrated into the newest generation of Apple mobile devices, incorporates NFC technology. If it becomes widely used by an army of iPhone users, perhaps merchants will be encouraged to more quickly adopt NFC technology.

What exactly is NFC and how can I use it to pay for stuff with my mobile device?

Near Field Communication (NFC) is a wireless communication protocol that can be used to send data between devices over a short distance (about 1.6 inches). Unlike Bluetooth that requires time consuming pairing between devices, NFC chips in mobile devices (like Smartphones, Smart Watches, or even credit cards themselves) can communicate with a nearby NFC enabled terminal by simply authorizing the protocol on your device with a passcode or fingerprint authentication.

If your mobile device has an integrated NFC chip, you can use a mobile wallet app like Apple Pay, Google Wallet or Isis’ “SoftCard” to pay for items at retailers that support NFC transactions. Simply load up your credit cards on your mobile device – most applications encrypt the card numbers once they’re loaded so that a thief can’t access your card data – and wave your device near an NFC compatible terminal to pay, no card swiping required.

jdai mobile Solution


Why is NCF better than swiping a credit card?

There are two primary ways that thieves access your credit card data: they either compromise the terminal itself (by, for example, planting a card reader strip in the terminal that captures credit card data as subsequent cards are swiped), or they break into a merchant’s servers where customer data such as card numbers, names, etc.. is stored.

If you don’t swipe a card, you circumvent the first, hard-wired theft method. Recent improvements in NFC technology have allowed some devices and cards to generate a unique card number for each transaction. Those transactions are now also safe from thieves stealing your card number – the number provided to the retailer won’t be good for any future transactions.

How secure is using Apple Pay on my iPhone?

Accessing your phone’s Apple Pay app to process a transaction requires a successful fingerprint authentication, making it nearly impossible for a mobile phone thief to gain access to your credit card information. Credit card information and the fingerprint authentication data is stored on a secure chip on the iPhone itself, so a breach at Apple won’t compromise your credit cards. Even if your phone is stolen, credit card numbers don’t appear in the app itself.

Better yet, when you use your Apple mobile device to pay at a merchant that accepts Apple Pay, the chip sends a newly generated, one-time-use number to the merchant’s machine to authorize the charge.

Do I need to have an iPhone to start paying with NFC technology?

No. Google Wallet and the wireless-carrier backed “SoftCard” are two of the most widely-accepted alternative mobile payment facilitators that allow users with an NFC enabled mobile device to pay with their phone at NFC-equipped retailers.

In addition, many major banks and credit cards are issuing new cards with imbedded NFC chips. This means that you may be able to wave your card at the terminal instead of swiping, no phone required, in the next few years.

Is NFC widely accepted in the U.S.?

Not yet.

There are fewer than 40 major retailers currently accepting NFC transactions, including McDonalds, Foot Locker, Macy’s, PetCo, Subway, Chevron and Office Depot.

While Visa, Mastercard and American Express, as well as nearly all major banks (including Bank of America, Capital One, Wells Fargo, Chase, Citi and many more) are encouraging the adoption of NFC technology – safer credit card processing means less costly fraud prevention and abatement – retailers have other plans. More than 50 major retailers, including Walmart, Best Buy, Kmart and 7-Eleven have banded together in an alliance called Merchant Consumer Exchange (MCX) and intend to launch their own payment processing protocol, CurrentC. In fact, Rite Aid and CVS recently disabled NFC functionality at their credit card terminals so as to stop recognizing NFC transactions and back CurrentC.

The CurrentC app isn’t backed by a single bank. This is because the system is designed to sidestep credit card processing fees by having transactions direct-debit from your checking account (ACH transactions). While the benefit to the merchant is clear: eliminating merchant processing fees would reduce their overhead cost and they can more easily monitor users’ shopping habits, it’s less safe for the consumer. If a CurrentC merchant is successfully attacked (and history shows us that merchant data isn’t particularly safe from security breach), a hacker/thief could gain the ability to drain a user’s bank account with no fraud protection from Visa, Mastercard or American Express.

In fact, MCX data has already been breached: in late October 2014, hackers stole the email addresses of an undisclosed number of CurrentC pilot program participants and individuals who expressed interest in the program.

However, there is hope for the consumer: Visa, Mastercard and American Express have set a 2015 deadline for retailers to upgrade their equipment. Those that fail to migrate to more secure terminals will risk bearing the cost of fraudulent card activity at their retail locations.

JPOS-REST Restaurant Solutions

Feature Overview

JDAI Restautant is a total POS solution for table and quick food service environments. Developed as a collaboration of successful restaurants, talented servers, and experienced computer programmers, Cafe stands alone in its abilities to manage your business, serve your customers, and drive your sales.

Designed from the ground up for touch screen use staff can fly through operations without mistake. Our attention to detail allows the technology side of your business to run smooth, leaving you free to concentrate on the most important part of your business: the guest.

Table Service

Whether your serving tables, handling take out, or running bar tabs, Tables has you covered; with support for an unlimited number of simultaneous orders. We’ve got all the bases covered here with remote printing, guest checks, special orders, split payment, shared orders, guest numbering, and more. The order process is simplified as much as possible to improve customer service and increase table turnover with faster ordering and check out.

Quick Service

Whenever you have a transaction where the order and the payment comes at the same time, it’s Quick Service. Coffee shops, cafeterias, cash bars, cafes, yogurt shops, and delis all uses this order entry mode to complete very quick transactions of non-barcoded items.

Retail Support

Mixed environments of food-service and retail are no problem for JPOS-REST. If you are selling bulk coffee or tea, wine, gift items, or any other barcoded item you might find it easiest to open up the Cash Register. Scan barcoded items, use quick-entry buttons, and take up to 12 forms of payment.

Inventory Management

We’ve built in powerful inventory controls into every copy of JPOS-REST. We support for recipes, recipe costing, automatic ordering, receiving, and department/category/family organzation. You can control your costs by tracking item movements and component costs.

Sales Reporting

Using the same application that you process your orders, you can access secured sales reporting. You can get quick snapshots of useful information with premade reports, or design your own reports with custom reporting.

Customer Account Management

Loyalty points, gift cards, detail customer information, newsletter mail outs, in-transaction customer information updates, search by name directory, and corporate account support. Keep your customers coming back by giving them a home in your POS system.

Employee Management

JPOS-REST helps you manage your staff by tracking their time cards, and logging transactions by server ID; ensure that your staff are staying honest, and your employee hours are totalled for your payroll. You can also run productivity reports, and deactivate terminated employees.

Integrated Credit Card Processing

The latest version of JPOS-REST supports integrated credit card processing in all three payment modules (Tables, Coffee Shop, and Cash Register).

Integrated processing allows you to cut down the time it takes to process a transaction, and reduces management time in end-of-day reconciliations.

Stop renting a payment processing machine and start taking payments in your POS software today!

Multiple tax rates, training mode, profit analysis, customizable receipts, label printing, price overrides, staff memos, foreign exchange, departmentalized inventory, customizable menu, and more; the features are comprehensive. Effective business management is now within your reach when you use JPOS-REST.